Gavop's guide to buying homeowners insurance in Mecklenburg 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.
| Mecklenburg 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 | |
| Andros Ln, Four Seasons Ln, Plaza Meadow Dr, Crown Colony Dr, Donatello Ave, Gold Metal Cir, Middletown Rd, Tarby Ct, Little Stream Ct, Gamesford Dr | $142,000 | $110,000 | $125,000-$150,000 | $195,000 | $160,000 | $175,000-$200,000 |
| Cochrane Woods Ln, Lakeview Ln, State Rd 1341, Six Point Ln, Knight Crest Ct, Derrydowne Dr, Knightsdale Dr, Royal Portrush Dr, Palace Dr, Wismar Ct | $269,500 | $250,000 | $200,000-$250,000 | $224,500 | $200,000 | $250,000-$300,000 |
| Pheasant Glen Rd, Wolf Creek Trl, Cloisters Club Dr, Chatham Oaks Trl, Cedar Hollow Ln, Palestrina Rd, Lion Cub Ln, Kempsford Dr, Benridge Ln, Arbor Glen Ln | $169,500 | $150,000 | $175,000-$200,000 | $139,500 | $130,000 | $100,000-$125,000 |
| N Brevard St, Andiron Dr, Ginkgo Ln, Sultana Cir, Garden District Dr, Cordial Ln, Seabrook Dr, Niagara Cir, Emory Ln, Rowan Way | $121,000 | $110,000 | $100,000-$125,000 | $106,000 | $90,000 | $125,000-$150,000 |
| Pocono Ln, Willow Branch Dr, Carrollton Ln, Sagewood Pl, Kennewick Rd, Old Dowd Rd, Redfern Ct, State Rd 1138, Kayce Ln, Tanners Creek Dr | $225,000 | $190,000 | $200,000-$250,000 | $170,500 | $150,000 | $200,000-$250,000 |
| Blake Port Ct, Wellhouse Ct, Anthony Creek, Saddleview Ct, Brockbank Rd, Gallant Fox Way, Newgrass Ln, Carmel Oaks Ct, Underwood Ave, E 26th St | $295,500 | $250,000 | $300,000-$350,000 | $232,000 | $190,000 | $175,000-$200,000 |
| Belmont Stables Dr, S Torrence St, Settlers Trail Ct, Watson Dr, River Dr, Laurel Grove Ln, Milton Rd, Glenlea Commons Dr, Sequoia Grove Ln, State Rd 2625 | $179,000 | $160,000 | $150,000-$175,000 | $142,000 | $130,000 | $150,000-$175,000 |
| Kirkgard Trl, Bilmark Ave, Dartford Ln, Ashland Ave, Gossomer Bay Dr, State Rd 2025, Reid Alexander Ln, Willard Farrow Dr, Long Needles Dr, Southampton Commons Dr | $263,500 | $230,000 | $250,000-$300,000 | $308,000 | $270,000 | $250,000-$300,000 |
| Harvey St, Two Moons Dr, Reno Ave, Buffton Ct, Clendon Ct, Towne Centre Blvd, Ilex Ct, Westminster Pl, Meadowdale Ln, Rosy Mound Ln | $99,000 | $90,000 | $75,000-$100,000 | $109,500 | $100,000 | $100,000-$125,000 |
| Dexter St, Glenbrook Dr, Havencrest Dr, Amrita Ct, Germander St, Rittenhouse Cir, Berkeley Commons Dr, S Hampton Dr, Greenleaf Ave, Echodale Dr | $272,500 | $230,000 | $250,000-$300,000 | $253,000 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $849 |
| Superior Protection Discount | -$90 | $909 |
| Fire & Security Discount | -$110 | $889 |
| Hail Resistant Roof Discount | -$30 | $968 |
| Newly Constructed Home Discount | -$280 | $719 |
| 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 |
| Mecklenburg County | $2,500 | $986 | $3,486 | $717 | $3,217 | $270 |
| Mecklenburg County, NC | $700 | $986 | $1,686 | $717 | $1,417 | $270 |
| Cornelius, NC | $100 | $883 | $983 | $642 | $742 | $241 |
| Sandy Ridge, NC | $1,500 | $927 | $2,427 | $674 | $2,174 | $253 |
| Coddle Creek, NC | $300 | $824 | $1,124 | $599 | $899 | $225 |
| Rock Hill, SC | $700 | $968 | $1,668 | $704 | $1,404 | $265 |
| Tradesville, SC | $100 | $982 | $1,082 | $714 | $814 | $268 |
| Fallston, NC | $1,000 | $766 | $1,766 | $556 | $1,556 | $209 |
| Stony Point, NC | $100 | $493 | $593 | $358 | $458 | $135 |
| Mount Gilead, NC | $1,500 | $544 | $2,044 | $396 | $1,896 | $149 |
| Silver Hill, NC | $500 | $691 | $1,191 | $502 | $1,002 | $189 |
| Home Insurance Company Mecklenburg County, NC | Homeowners Insurance Agency Mecklenburg County, NC | Address | Popularity Score | Distance from Mecklenburg County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Swimmer Insurance Agency | 725 Providence Rd, Charlotte, NC, 28207 | 3.3 | |
| State Farm | Jeremy Fulkerson | 4805 Park Rd Ste 103, Charlotte, NC, 28209-3676 | 5.7 | |
| State Farm | Denis Wilson | 1850 E 3rd St Ste 360, Charlotte, NC, 28204-3299 | 2.6 | |
| Travelers | Pegram Mitchell Insurance Agency | 4456-B The Plaza, Charlotte, NC, 28215 | 3.1 | |
| Allstate | Kim Fewell | 1037 Providence Rd Ste C, Charlotte, NC, 28207 | 3.6 | |
| State Farm | Maeghan Mckenzie | 819 Central Ave, Charlotte, NC, 28204-2025 | 1.9 | |
| State Farm | Darrick Embry | 8124 S Tryon St Unit A3, Charlotte, NC, 28273-3379 | 9.0 | |
| State Farm | Russ Levinton | 2520 Sardis Rd N Ste 114, Charlotte, NC, 28227-6744 | 9.3 | |
| State Farm | Mark Husmillo | 10400 Mallard Creek Rd Ste 250, Charlotte, NC, 28262-5202 | 7.5 | |
| Allstate | Stephanie Washington | 4801 E Indep Blvd Ste 903, Charlotte, NC, 28212 | 6.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $610 | $1,230 | $620 |
| Mecklenburg County, NC | $203,900 | $998 | $690 | $1,390 | $700 |
| Mecklenburg County, NC | $203,900 | $998 | $720 | $1,420 | $700 |
| Cornelius, NC | $279,000 | $894 | $600 | $1,240 | $640 |
| Sandy Ridge, NC | $391,700 | $939 | $630 | $1,320 | $690 |
| Coddle Creek, NC | $189,500 | $834 | $580 | $1,180 | $600 |
| Rock Hill, SC | $154,700 | $980 | $660 | $1,390 | $730 |
| Tradesville, SC | $149,600 | $994 | $670 | $1,360 | $690 |
| Fallston, NC | $131,700 | $775 | $570 | $1,080 | $510 |
| Stony Point, NC | $77,700 | $499 | $340 | $680 | $340 |
| Mount Gilead, NC | $86,700 | $551 | $390 | $780 | $390 |
| Silver Hill, NC | $145,400 | $700 | $480 | $1,000 | $520 |