Gavop shows you how to buy homeowners insurance in Buncombe County, 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 | $49,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $106,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $134,000 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $209,500 | $200,000 | $175,000-$200,000 |
| 5 Bedroom | $317,000 | $280,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$177 | $807 |
| Superior Protection Discount | -$89 | $895 |
| Fire & Security Discount | -$79 | $905 |
| Hail Resistant Roof Discount | -$30 | $954 |
| Newly Constructed Home Discount | -$207 | $777 |
| 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 |
| Buncombe County, NC | $2,500 | $972 | $3,472 | $706 | $3,206 | $266 |
| Ivy, NC | $400 | $884 | $1,284 | $643 | $1,043 | $242 |
| Balfour, NC | $2,500 | $873 | $3,373 | $635 | $3,135 | $239 |
| Canton, NC | $200 | $844 | $1,044 | $613 | $813 | $231 |
| Hendersonville, NC | $2,500 | $977 | $3,477 | $710 | $3,210 | $267 |
| East Flat Rock, NC | $300 | $824 | $1,124 | $599 | $899 | $225 |
| Green Hill, NC | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| Spruce Pine, NC | $2,500 | $710 | $3,210 | $516 | $3,016 | $194 |
| Ingalls, NC | $200 | $786 | $986 | $572 | $772 | $215 |
| Forest City, NC | $2,500 | $846 | $3,346 | $615 | $3,115 | $231 |
| Home Insurance Company Buncombe County, NC | Homeowners Insurance Agency Buncombe County, NC | Address | Popularity Score | Distance from Buncombe County (miles) |
|---|---|---|---|---|
| Travelers | Morrow Insurance Agency | 246 South Main Street, Marion, NC, 28752 | 29.9 | |
| Travelers | Webb Insurance | 216 Asheland Ave, Asheville, NC, 28801 | 2.2 | |
| Travelers | Webb Insurance | 216 Asheland Avenue, Asheville, NC, 28801 | 2.2 | |
| State Farm | Dan Hyder | 356 W Main St, Spindale, NC, 28160-1594 | 37.9 | |
| State Farm | Jake Morse | 416 Charlotte Rd, Rutherfordton, NC, 28139-2918 | 37.1 | |
| Travelers | Math Insurance Service | 344 Merrimon Ave, Asheville, NC, 28801 | 1.4 | |
| State Farm | Wayne Smith | 268 New Leicester Hwy, Asheville, NC, 28806-2019 | 5.1 | |
| Allstate | Donnie Andrews | 255 Smokey Park Hwy, Asheville, NC, 28806 | 6.6 | |
| State Farm | Tammy Murphy | 135 Charlotte Highway, Asheville, NC, 28803-9602 | 4.7 | |
| Allstate | Terry L. Gahagan | 1070 Tunnel Rd Ste 20, Asheville, NC, 28805 | 2.7 |
| 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 | $1,260 | $660 |
| Buncombe County, NC | $209,800 | $984 | $700 | $1,410 | $710 |
| Buncombe County, NC | $209,800 | $984 | $720 | $1,370 | $650 |
| Ivy, NC | $161,300 | $895 | $620 | $1,240 | $620 |
| Balfour, NC | $158,400 | $884 | $590 | $1,260 | $670 |
| Canton, NC | $150,600 | $854 | $590 | $1,220 | $630 |
| Hendersonville, NC | $200,700 | $989 | $680 | $1,350 | $670 |
| East Flat Rock, NC | $145,600 | $834 | $560 | $1,180 | $620 |
| Green Hill, NC | $114,400 | $696 | $510 | $950 | $440 |
| Spruce Pine, NC | $119,300 | $719 | $520 | $1,000 | $480 |
| Ingalls, NC | $136,500 | $796 | $570 | $1,090 | $520 |
| Forest City, NC | $88,500 | $856 | $620 | $1,210 | $590 |