Gavop shows you how to buy homeowners insurance in James City, 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 | $55,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $161,000 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $146,500 | $130,000 | $100,000-$125,000 |
| 4 Bedroom | $201,500 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $245,500 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $587 |
| Superior Protection Discount | -$72 | $644 |
| Fire & Security Discount | -$50 | $666 |
| Hail Resistant Roof Discount | -$14 | $701 |
| Newly Constructed Home Discount | -$208 | $508 |
| 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 |
| Craven County | $2,000 | $840 | $2,840 | $611 | $2,611 | $230 |
| James City, NC | $2,000 | $707 | $2,707 | $514 | $2,514 | $193 |
| New Bern, NC | $100 | $710 | $810 | $516 | $616 | $194 |
| Craven County, NC | $2,000 | $840 | $2,840 | $611 | $2,611 | $230 |
| Arapahoe, NC | $300 | $594 | $894 | $432 | $732 | $162 |
| Pine Knoll Shores, NC | $2,500 | $1,515 | $4,015 | $1,101 | $3,601 | $414 |
| Straits, NC | $400 | $919 | $1,319 | $668 | $1,068 | $251 |
| Harkers Island, NC | $1,000 | $1,043 | $2,043 | $758 | $1,758 | $285 |
| Ayden, NC | $200 | $861 | $1,061 | $625 | $825 | $235 |
| Belhaven, NC | $2,500 | $505 | $3,005 | $367 | $2,867 | $138 |
| Beulaville, NC | $300 | $783 | $1,083 | $569 | $869 | $214 |
| Home Insurance Company James City, NC | Homeowners Insurance Agency James City, NC | Address | Popularity Score | Distance from James City (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Conway & Co. Insurers | 2914 N Herritage St, Kinston, NC, 28501 | 36.4 | |
| Travelers | The Insurance Center | 1320 Commerce Dr, New Bern, NC, 28562 | 5.6 | |
| Nationwide | Ashlie Fortune Insurance | 445 Western Blvd Ste H, Jacksonville, NC, 28546-6852 | 29.1 | |
| Travelers | Robinson And Stith Insurance | 513 Pollock Street, New Bern, NC, 28562 | 3.9 | |
| State Farm | Jennifer Dufore | 1368 Piney Green Road Suite 3, Jacksonville, NC, 28546-4577 | 27.8 | |
| Allstate | David Cook | 2129 S Glenburnie Rd, New Bern, NC, 28562 | 5.6 | |
| Liberty Mutual Independent | Lancaster Mcaden Willis Smith | 1320 Commerce Dr, New Bern, NC, 28562 | 5.6 | |
| Nationwide | The Cowey Insurance Group Inc. | 1335 S Glenburnie Rd, New Bern, NC, 28562 | 6.3 | |
| Allstate | Cindy Challender | 2115a Se Greenville Blvd, Greenville, NC, 27858 | 41.7 | |
| Liberty Mutual Independent | W A Moore & Company | 510 Plaza Blvd, Kinston, NC, 28501 | 36.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $630 | $1,230 | $600 |
| Craven County, NC | $156,500 | $851 | $610 | $1,210 | $600 |
| James City, NC | $150,300 | $716 | $480 | $990 | $510 |
| New Bern, NC | $151,200 | $719 | $500 | $1,020 | $520 |
| Craven County, NC | $156,500 | $851 | $620 | $1,220 | $600 |
| Arapahoe, NC | $95,800 | $601 | $430 | $840 | $410 |
| Pine Knoll Shores, NC | $364,200 | $1,533 | $1,090 | $2,160 | $1,070 |
| Straits, NC | $171,000 | $930 | $670 | $1,310 | $640 |
| Harkers Island, NC | $209,200 | $1,056 | $710 | $1,510 | $800 |
| Ayden, NC | $98,000 | $871 | $640 | $1,240 | $600 |
| Belhaven, NC | $79,700 | $511 | $370 | $710 | $340 |
| Beulaville, NC | $135,800 | $793 | $570 | $1,090 | $520 |