Gavop shows you how to buy homeowners insurance in Black Mountain, 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 | $65,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $199,000 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $140,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $384,000 | $350,000 | $350,000-$400,000 |
| 5 Bedroom | $396,500 | $340,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $765 |
| Superior Protection Discount | -$89 | $801 |
| Fire & Security Discount | -$98 | $792 |
| Hail Resistant Roof Discount | -$27 | $863 |
| Newly Constructed Home Discount | -$249 | $640 |
| 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 |
| Buncombe County | $700 | $972 | $1,672 | $706 | $1,406 | $266 |
| Black Mountain, NC | $700 | $879 | $1,579 | $639 | $1,339 | $240 |
| Pensacola, NC | $500 | $918 | $1,418 | $667 | $1,167 | $251 |
| Biltmore Forest, NC | $1,000 | $784 | $1,784 | $570 | $1,570 | $214 |
| West Marion, NC | $300 | $648 | $948 | $471 | $771 | $177 |
| Cooper Gap, NC | $2,500 | $852 | $3,352 | $619 | $3,119 | $233 |
| Barker Heights, NC | $400 | $744 | $1,144 | $541 | $941 | $203 |
| Logan Store, NC | $1,500 | $653 | $2,153 | $475 | $1,975 | $178 |
| Gramling, SC | $200 | $751 | $951 | $546 | $746 | $205 |
| High Shoals, NC | $1,000 | $853 | $1,853 | $620 | $1,620 | $233 |
| Valdese, NC | $100 | $669 | $769 | $486 | $586 | $183 |
| Lyman, SC | $2,000 | $827 | $2,827 | $601 | $2,601 | $226 |
| Home Insurance Company Black Mountain, NC | Homeowners Insurance Agency Black Mountain, NC | Address | Popularity Score | Distance from Black Mountain (miles) |
|---|---|---|---|---|
| Travelers | Farris Insurance Agency Inc | 1101 Us Hwy 70 , Connelly Springs, NC, 28612 | 47.5 | |
| Travelers | Math Insurance Service | 344 Merrimon Ave, Asheville, NC, 28801 | 12.8 | |
| Travelers | Byrd Insurance Agency Inc | 2370 Us Hwy 221 N Business, Marion, NC, 28752 | 17.2 | |
| Allstate | Terry L. Gahagan | 1070 Tunnel Rd Ste 20, Asheville, NC, 28805 | 10.0 | |
| State Farm | Chad Toney | 70 N Main St Ste 1, Marion, NC, 28752-3945 | 18.4 | |
| Erie | Robert Ownbey Insurance Group | 9 Asbury Place Suite 101, Candler, NC, 28715 | 19.8 | |
| Allstate | Hope A Thomas | 901 S Sterling St, Morganton, NC, 28655 | 37.4 | |
| State Farm | Steve Strange | 710 Blowing Rock Blvd, Lenoir, NC, 28645-3708 | 49.1 | |
| State Farm | David Jernigan | 503 W Fleming Dr, Morganton, NC, 28655-3923 | 36.9 | |
| Allstate | Sandy Russ | 243 Mclean Dr Sw, Lenoir, NC, 28645 | 48.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,270 | $620 |
| Buncombe County, NC | $209,800 | $984 | $680 | $1,390 | $710 |
| Black Mountain, NC | $210,200 | $890 | $650 | $1,220 | $570 |
| Pensacola, NC | $170,800 | $929 | $620 | $1,290 | $670 |
| Biltmore Forest, NC | $848,700 | $794 | $540 | $1,130 | $590 |
| West Marion, NC | $106,300 | $656 | $450 | $900 | $450 |
| Cooper Gap, NC | $152,600 | $862 | $580 | $1,220 | $640 |
| Barker Heights, NC | $126,600 | $753 | $520 | $1,050 | $530 |
| Logan Store, NC | $107,400 | $661 | $470 | $920 | $450 |
| Gramling, SC | $133,700 | $760 | $520 | $1,060 | $540 |
| High Shoals, NC | $71,400 | $864 | $610 | $1,190 | $580 |
| Valdese, NC | $110,600 | $677 | $460 | $970 | $510 |
| Lyman, SC | $122,300 | $837 | $560 | $1,150 | $590 |