Gavop's guide to buying homeowners insurance in Bessemer City, 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 | $50,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $109,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $105,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $123,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $353,500 | $310,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $720 |
| Superior Protection Discount | -$79 | $800 |
| Fire & Security Discount | -$79 | $800 |
| Hail Resistant Roof Discount | -$26 | $852 |
| Newly Constructed Home Discount | -$202 | $677 |
| 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 |
| Gaston County | $700 | $739 | $1,439 | $537 | $1,237 | $202 |
| Bessemer City, NC | $2,000 | $868 | $2,868 | $631 | $2,631 | $237 |
| Shelby, NC | $300 | $651 | $951 | $473 | $773 | $178 |
| , NC | $1,500 | $649 | $2,149 | $472 | $1,972 | $177 |
| Mint Hill, NC | $200 | $795 | $995 | $578 | $778 | $217 |
| Barringer, NC | $2,000 | $679 | $2,679 | $493 | $2,493 | $186 |
| Brackett, NC | $500 | $378 | $878 | $275 | $775 | $103 |
| Stony Point, NC | $1,000 | $493 | $1,493 | $358 | $1,358 | $135 |
| Ellendale, NC | $400 | $863 | $1,263 | $627 | $1,027 | $236 |
| Bethany, NC | $1,000 | $695 | $1,695 | $505 | $1,505 | $190 |
| Spartanburg County, SC | $200 | $835 | $1,035 | $607 | $807 | $228 |
| Furr, NC | $1,500 | $715 | $2,215 | $519 | $2,019 | $195 |
| Home Insurance Company Bessemer City, NC | Homeowners Insurance Agency Bessemer City, NC | Address | Popularity Score | Distance from Bessemer City (miles) |
|---|---|---|---|---|
| Erie | Johnson Insurance Group Inc. | 1905 E Garrison Blvd, Gastonia, NC, 28054 | 8.0 | |
| State Farm | Melanie Stone | 8811 Blakny Prof Dr Ste 110, Charlotte, NC, 28277-6599 | 32.2 | |
| Erie | Trey W Siner Insurance & Investment Group | 247 Church Street N, Concord, NC, 28025 | 40.5 | |
| State Farm | Craig Berry | 9900 Poplar Tent Rd Ste 120, Concord, NC, 28027-9508 | 31.8 | |
| State Farm | Jack English | 6853 Fairview Rd Ste 100 A, Charlotte, NC, 28210-3662 | 27.6 | |
| Travelers | Pegram Mitchell Insurance Agency | 106 B W Arrowood Road, Charlotte, NC, 28217 | 24.5 | |
| Liberty Mutual Independent | Ecm Solutions | 4000 Park Rd, Charlotte, NC, 28209 | 25.7 | |
| State Farm | Art Shoemaker | 305 Belm Mnt Hly Rd, Belmont, NC, 28012-2606 | 14.0 | |
| State Farm | Jeff Butler | 1413 29th Avenue Dr Ne, Hickory, NC, 28601-7323 | 33.2 | |
| State Farm | Scott Good | 1752 Country Club Rd, Gastonia, NC, 28054-4800 | 7.9 |
| 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 |
| Gaston County, NC | $130,700 | $748 | $520 | $1,060 | $540 |
| Bessemer City, NC | $99,000 | $879 | $640 | $1,260 | $620 |
| Shelby, NC | $117,000 | $658 | $450 | $920 | $470 |
| , NC | $110,500 | $657 | $450 | $910 | $460 |
| Mint Hill, NC | $234,800 | $805 | $590 | $1,140 | $550 |
| Barringer, NC | $141,800 | $687 | $490 | $960 | $470 |
| Brackett, NC | $59,200 | $383 | $260 | $550 | $290 |
| Stony Point, NC | $77,700 | $499 | $360 | $690 | $330 |
| Ellendale, NC | $155,600 | $873 | $620 | $1,200 | $580 |
| Bethany, NC | $146,400 | $703 | $490 | $1,000 | $510 |
| Spartanburg County, SC | $128,000 | $845 | $580 | $1,210 | $630 |
| Furr, NC | $152,400 | $723 | $490 | $1,030 | $540 |