Gavop's guide to buying homeowners insurance in Mitchell County, 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.
| Mitchell County, NC - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hoilman Cemetery Rd, Almalene Dr, State Rd 1115, Yellow Buckeye Trl, Timberlane Dr, Laughing Bird Hollow, Firetower Rd, White Pine Ln, Baker Ln, Riverside Dr | $209,500 | $190,000 | $200,000-$250,000 | $121,000 | $100,000 | $125,000-$150,000 |
| State Rd 1161, Highland Ave, Buchanan Dr, Peterson Ln, Broad St, Thompson Ln, Pine Tree Dr, Sweet Tea Dr, Monroe Garland Rd, E Peterson St | $125,500 | $100,000 | $100,000-$125,000 | $111,000 | $90,000 | $75,000-$100,000 |
| Harrell Hill Rd, Spring Hollow Rd, Dale Hill Rd, Hoyle Brothers Rd, Apple Ln, Buchanan St, Huntdale Rd, Roan Rd, Attorney John Peterson Rd, Hemlock Dr | $107,000 | $90,000 | $75,000-$100,000 | $111,000 | $100,000 | $100,000-$125,000 |
| E Tappan St, Creed Pitman Rd, Renfro Rd, Fox Den Ln, State Rd 1159, Big Crabtree Church Rd, Laurel Creek Ct, Snow Hill Rd, Pittman Way, Grassy Mountain Rd | $163,000 | $140,000 | $175,000-$200,000 | $147,500 | $130,000 | $125,000-$150,000 |
| State Rd 1198, State Rd 1128, Wilson Knob Rd, State Rd 1176, Silvers Hollow, State Rd 1139, Union Hill Ridge Rd, Wallace Ave, Ellis St, State Rd 1160 | $169,500 | $150,000 | $150,000-$175,000 | $135,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $587 |
| Superior Protection Discount | -$68 | $615 |
| Fire & Security Discount | -$55 | $628 |
| Hail Resistant Roof Discount | -$20 | $662 |
| 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 |
| Mitchell County | $700 | $675 | $1,375 | $490 | $1,190 | $184 |
| Mitchell County, NC | $2,500 | $675 | $3,175 | $490 | $2,990 | $184 |
| Bakersville, NC | $500 | $784 | $1,284 | $570 | $1,070 | $214 |
| Fork Mountain-Little Rock Creek, NC | $2,500 | $908 | $3,408 | $660 | $3,160 | $248 |
| Plumtree, NC | $300 | $624 | $924 | $454 | $754 | $171 |
| Minneapolis, NC | $700 | $623 | $1,323 | $453 | $1,153 | $170 |
| Washington County, TN | $100 | $962 | $1,062 | $699 | $799 | $263 |
| Creston, NC | $1,000 | $643 | $1,643 | $467 | $1,467 | $176 |
| Limestone, NC | $500 | $819 | $1,319 | $595 | $1,095 | $224 |
| Green Hill, NC | $2,500 | $688 | $3,188 | $500 | $3,000 | $188 |
| Rhodhiss, NC | $400 | $508 | $908 | $369 | $769 | $139 |
| Casar, NC | $700 | $482 | $1,182 | $350 | $1,050 | $132 |
| Home Insurance Company Mitchell County, NC | Homeowners Insurance Agency Mitchell County, NC | Address | Popularity Score | Distance from Mitchell County (miles) |
|---|---|---|---|---|
| Travelers | Farris Insurance Agency Inc | 1101 Us Highway 70, Connelly Springs, NC, 28612 | 41.7 | |
| Liberty Mutual Independent | Broome Associated Insurance | 630 4th St S W, Hickory, NC, 28603 | 50.1 | |
| Travelers | Webb Insurance | 216 Asheland Ave, Asheville, NC, 28801 | 36.8 | |
| Travelers | Morrow Insurance Agency | 246 S Main St, Marion, NC, 28752 | 24.5 | |
| Travelers | Webb Insurance | 216 Asheland Avenue, Asheville, NC, 28801 | 36.8 | |
| Allstate | Rona M. Church | 844 Haywood Rd, Asheville, NC, 28806 | 38.5 | |
| Nationwide | Fotheringham & Associates Inc. | 430 1st Ave Nw, Hickory, NC, 28601-6125 | 49.8 | |
| State Farm | Syna Lewis | 11899 Highway 226 South, Spruce Pine, NC, 28777 | 9.9 | |
| Nationwide | Rick Hamby Agency Inc | 423 4th St Sw, Hickory, NC, 28602 | 50.0 | |
| Allstate | Marty Blocker-Simmons | 33 4th St Nw, Hickory, NC, 28601 | 49.9 |
| 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 | $1,220 | $570 |
| Mitchell County, NC | $140,600 | $683 | $460 | $940 | $480 |
| Mitchell County, NC | $140,600 | $683 | $490 | $960 | $470 |
| Bakersville, NC | $136,000 | $794 | $540 | $1,100 | $560 |
| Fork Mountain-Little Rock Creek, NC | $167,800 | $919 | $620 | $1,310 | $690 |
| Plumtree, NC | $101,600 | $632 | $450 | $900 | $450 |
| Minneapolis, NC | $101,400 | $631 | $420 | $880 | $460 |
| Washington County, TN | $152,800 | $974 | $650 | $1,340 | $690 |
| Creston, NC | $105,400 | $651 | $440 | $900 | $460 |
| Limestone, NC | $246,700 | $829 | $600 | $1,180 | $580 |
| Green Hill, NC | $114,400 | $696 | $490 | $950 | $460 |
| Rhodhiss, NC | $80,200 | $514 | $370 | $710 | $340 |
| Casar, NC | $75,800 | $488 | $350 | $670 | $320 |