Gavop shows you how to buy homeowners insurance in Blue Ridge, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $109,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $191,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $235,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $268,000 | $220,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $589 |
| Superior Protection Discount | -$72 | $646 |
| Fire & Security Discount | -$57 | $661 |
| Hail Resistant Roof Discount | -$22 | $697 |
| Newly Constructed Home Discount | -$201 | $517 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Henderson County | $2,000 | $954 | $2,954 | $693 | $2,693 | $261 |
| Blue Ridge, NC | $2,000 | $710 | $2,710 | $516 | $2,516 | $194 |
| East Flat Rock, NC | $400 | $824 | $1,224 | $599 | $999 | $225 |
| Camp Creek, NC | $1,000 | $428 | $1,428 | $311 | $1,311 | $117 |
| Reems Creek, NC | $100 | $797 | $897 | $579 | $679 | $218 |
| Bostic, NC | $700 | $548 | $1,248 | $398 | $1,098 | $150 |
| Cecil, NC | $500 | $905 | $1,405 | $658 | $1,158 | $247 |
| North Pickens, SC | $1,000 | $1,057 | $2,057 | $768 | $1,768 | $289 |
| Greenville, SC | $200 | $1,011 | $1,211 | $735 | $935 | $276 |
| Parker, SC | $1,500 | $799 | $2,299 | $581 | $2,081 | $218 |
| Cane River, NC | $400 | $920 | $1,320 | $668 | $1,068 | $251 |
| Grassy Creek, NC | $1,000 | $695 | $1,695 | $505 | $1,505 | $190 |
| Home Insurance Company Blue Ridge, NC | Homeowners Insurance Agency Blue Ridge, NC | Address | Popularity Score | Distance from Blue Ridge (miles) |
|---|---|---|---|---|
| Allstate | Mcdaniel-Scott Agency | 404 Cherryville Rd, Shelby, NC, 28150 | 48.3 | |
| Travelers | Brevard Insurance Agency Inc | 32 East Jordan St., Brevard, NC, 28712 | 22.0 | |
| Liberty Mutual Independent | The Williams Company | 1008 Asheville Highway, Hendersonville, NC, 28791 | 5.8 | |
| State Farm | Wesley Greene | 856 Sweeten Creek Rd Ste E, Asheville, NC, 28803-1548 | 18.3 | |
| Travelers | Iris Fox Insurance | 103 Carbon City Rd, Morganton, NC, 28655 | 46.3 | |
| State Farm | Robin Brackett | 941 E Marion St Ste 2, Shelby, NC, 28150-4740 | 47.5 | |
| Allstate | Eric Morris | 780 Hendersonville Rd Ste 18, Asheville, NC, 28803 | 18.2 | |
| State Farm | Marty Zirkle | 1429 E Marion St Ste 8, Shelby, NC, 28150-4946 | 48.8 | |
| State Farm | Bill Russell | 494 Hendersonville Rd, Asheville, NC, 28803-2757 | 18.9 | |
| State Farm | Jerry Ramsey | 1309 Smoky Park Hwy, Candler, NC, 28715-9296 | 23.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $610 | $1,220 | $610 |
| Henderson County, NC | $193,200 | $966 | $660 | $1,380 | $720 |
| Blue Ridge, NC | $151,000 | $718 | $510 | $1,030 | $520 |
| East Flat Rock, NC | $145,600 | $834 | $580 | $1,140 | $560 |
| Camp Creek, NC | $66,900 | $433 | $310 | $620 | $310 |
| Reems Creek, NC | $236,000 | $807 | $560 | $1,110 | $550 |
| Bostic, NC | $87,300 | $555 | $370 | $770 | $400 |
| Cecil, NC | $167,000 | $916 | $670 | $1,270 | $600 |
| North Pickens, SC | $164,200 | $1,070 | $780 | $1,510 | $730 |
| Greenville, SC | $170,300 | $1,023 | $750 | $1,460 | $710 |
| Parker, SC | $71,300 | $809 | $540 | $1,160 | $620 |
| Cane River, NC | $171,300 | $931 | $620 | $1,280 | $660 |
| Grassy Creek, NC | $146,600 | $704 | $500 | $1,010 | $510 |