Gavop's guide to buying homeowners insurance in Clines, NC covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $127,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $108,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $248,500 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $249,500 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $560 |
| Superior Protection Discount | -$61 | $621 |
| Fire & Security Discount | -$61 | $621 |
| Hail Resistant Roof Discount | -$14 | $669 |
| Newly Constructed Home Discount | -$143 | $540 |
| 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 |
| Catawba County | $1,500 | $776 | $2,276 | $564 | $2,064 | $212 |
| Clines, NC | $2,500 | $675 | $3,175 | $490 | $2,990 | $184 |
| Millers, NC | $500 | $719 | $1,219 | $523 | $1,023 | $197 |
| Mountain Creek, NC | $1,000 | $839 | $1,839 | $610 | $1,610 | $229 |
| Cricket, NC | $400 | $506 | $906 | $368 | $768 | $138 |
| Watauga, NC | $1,000 | $1,188 | $2,188 | $863 | $1,863 | $325 |
| Brushy Fork, NC | $100 | $1,101 | $1,201 | $800 | $900 | $301 |
| West Marion, NC | $2,500 | $648 | $3,148 | $471 | $2,971 | $177 |
| North Fall Creek, NC | $200 | $897 | $1,097 | $652 | $852 | $245 |
| Rutherford County, NC | $700 | $641 | $1,341 | $466 | $1,166 | $175 |
| McDowell County, NC | $300 | $648 | $948 | $471 | $771 | $177 |
| Rockford, NC | $1,000 | $642 | $1,642 | $467 | $1,467 | $176 |
| Home Insurance Company Clines, NC | Homeowners Insurance Agency Clines, NC | Address | Popularity Score | Distance from Clines (miles) |
|---|---|---|---|---|
| State Farm | Happy Mullen | 2201 South Blvd Suite 420, Charlotte, NC, 28203-4263 | 42.6 | |
| State Farm | Jim Burgin | 3391 Cloverleaf Pkwy, Kannapolis, NC, 28083-6991 | 39.7 | |
| Liberty Mutual Independent | Ecm Solutions | 4000 Park Rd, Charlotte, NC, 28209 | 44.8 | |
| State Farm | Kris Kozdras | 19425 Liverpool Pkwy Ste B, Cornelius, NC, 28031-6387 | 26.3 | |
| Allstate | Stephanie Washington | 4801 E Indep Blvd Ste 903, Charlotte, NC, 28212 | 47.0 | |
| Travelers | Aac Insurance Group | 4801 E Independence Blvd #102, Charlotte, NC, 28212 | 46.2 | |
| Nationwide | Rick Hamby Agency Inc | 423 4th St Sw, Hickory, NC, 28602 | 8.8 | |
| Allstate | Omar Hadi | 2801 S Cannon Blvd, Kannapolis, NC, 28083 | 39.1 | |
| State Farm | Tony Hefner | 10226 Couloak Dr Ste 200, Charlotte, NC, 28216-7677 | 33.2 | |
| Travelers | The Hoffman Agency Llc | 2015 Ayrsley Town Blvd Ste 202, Charlotte, NC, 28273 | 45.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $600 | $1,280 | $680 |
| Catawba County, NC | $139,900 | $786 | $540 | $1,110 | $570 |
| Clines, NC | $140,600 | $683 | $490 | $960 | $470 |
| Millers, NC | $121,300 | $728 | $500 | $1,000 | $500 |
| Mountain Creek, NC | $256,600 | $849 | $580 | $1,170 | $590 |
| Cricket, NC | $79,800 | $512 | $350 | $700 | $350 |
| Watauga, NC | $259,400 | $1,202 | $810 | $1,690 | $880 |
| Brushy Fork, NC | $228,600 | $1,114 | $800 | $1,590 | $790 |
| West Marion, NC | $106,300 | $656 | $470 | $910 | $440 |
| North Fall Creek, NC | $164,800 | $908 | $630 | $1,280 | $650 |
| Rutherford County, NC | $109,000 | $649 | $460 | $900 | $440 |
| McDowell County, NC | $110,400 | $656 | $470 | $900 | $430 |
| Rockford, NC | $105,200 | $650 | $440 | $890 | $450 |