Gavop shows you how to buy homeowners insurance in Howards Creek, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Howards Creek, 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 | |
| Sain Milling Rd, Gaston Webbs Chapel Rd, Blairwise Ln, Dan Rhyne Rd, W Main St, Fairview School Rd, Confederate Rd, State Rd 1583, State Rd 1186, State Rd 1193 | $130,000 | $110,000 | $100,000-$125,000 | $94,500 | $90,000 | $75,000-$100,000 |
| State Rd 1243, Saint Marks Church Rd, Keener Acres St, State Rd 1423, Rockwood Trl, Hill Gates Trl, Gastonia Hwy, State Rd 1134, Audubon Trl, Pine Forest Ct | $157,500 | $140,000 | $125,000-$150,000 | $128,500 | $110,000 | $150,000-$175,000 |
| State Rd 1159, Doyle Beam Memorial Rd, Breezewood Ln, State Rd 1226, Zur Leonard Rd, State Rd 1104, State Rd 1244, Fred Smith Ln, State Rd 1306, State Rd 1127 | $112,500 | $90,000 | $125,000-$150,000 | $77,000 | $70,000 | $50,000-$75,000 |
| State Rd 1431, Overlook Ln, Duffy Powel Ln, Dorset Ln, State Rd 1141, Lee Bess Rd, State Rd 1188, Sam Houser Rd, Ed Hallman Trl, Meridian Way | $202,500 | $170,000 | $200,000-$250,000 | $116,000 | $100,000 | $125,000-$150,000 |
| Sandburg Trl, Sandhill Ln, Killian Rd, State Rd 1147, Rock Ola Ln, State Rd 1438, Arrowood Ln, George Brown Rd, Branchview Trl, State Rd 274 | $139,000 | $120,000 | $150,000-$175,000 | $93,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $548 |
| Superior Protection Discount | -$65 | $587 |
| Fire & Security Discount | -$72 | $581 |
| Hail Resistant Roof Discount | -$13 | $640 |
| Newly Constructed Home Discount | -$150 | $503 |
| 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 |
| Lincoln County | $1,500 | $848 | $2,348 | $616 | $2,116 | $232 |
| Howards Creek, NC | $2,000 | $645 | $2,645 | $469 | $2,469 | $176 |
| Ironton, NC | $200 | $690 | $890 | $501 | $701 | $188 |
| Conover, NC | $2,000 | $694 | $2,694 | $504 | $2,504 | $190 |
| Ranlo, NC | $300 | $693 | $993 | $503 | $803 | $189 |
| Gastonia, NC | $2,500 | $708 | $3,208 | $515 | $3,015 | $194 |
| Mount Holly, NC | $300 | $729 | $1,029 | $530 | $830 | $199 |
| Clover, SC | $700 | $1,109 | $1,809 | $806 | $1,506 | $303 |
| Huntersville, NC | $500 | $1,132 | $1,632 | $823 | $1,323 | $309 |
| Gaffney, SC | $2,500 | $656 | $3,156 | $477 | $2,977 | $179 |
| Harrisburg, NC | $500 | $834 | $1,334 | $606 | $1,106 | $228 |
| Midland, NC | $1,000 | $895 | $1,895 | $651 | $1,651 | $245 |
| Home Insurance Company Howards Creek, NC | Homeowners Insurance Agency Howards Creek, NC | Address | Popularity Score | Distance from Howards Creek (miles) |
|---|---|---|---|---|
| State Farm | Anthony Gallant | 1002 Union Rd Ste 1, Gastonia, NC, 28054-5525 | 19.4 | |
| State Farm | Jessica Ross | 7903 Providence Rd Ste 170, Charlotte, NC, 28277-9745 | 42.2 | |
| State Farm | Melanie Stone | 8811 Blakny Prof Dr Ste 110, Charlotte, NC, 28277-6599 | 44.2 | |
| Travelers | Pruitt Keener Insurance Services Inc | 8832 Blakeney Professional Dr Ste 203, Charlotte, NC, 28277 | 44.2 | |
| State Farm | Paul Parker | 1203 E Main St, Lincolnton, NC, 28092-3839 | 6.3 | |
| State Farm | Jack English | 6853 Fairview Rd Ste 100 A, Charlotte, NC, 28210-3662 | 38.0 | |
| State Farm | Van Nguyen | 6400 South Blvd Ste C, Charlotte, NC, 28217-4400 | 35.8 | |
| Nationwide | Hammond Insurance & Financial Services Inc. | 8916 S Tryon St, Charlotte, NC, 28273-3304 | 33.9 | |
| Allstate | Alan Carpenter | 479 N Generals Blvd, Lincolnton, NC, 28092 | 6.1 | |
| Travelers | Aac Insurance Group | 4801 E Independence Blvd #102, Charlotte, NC, 28212 | 39.2 |
| 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 | $1,280 | $630 |
| Lincoln County, NC | $158,700 | $858 | $580 | $1,230 | $650 |
| Howards Creek, NC | $132,200 | $653 | $460 | $890 | $430 |
| Ironton, NC | $144,900 | $698 | $510 | $960 | $450 |
| Conover, NC | $146,100 | $702 | $510 | $1,000 | $490 |
| Ranlo, NC | $115,500 | $701 | $510 | $970 | $460 |
| Gastonia, NC | $123,600 | $717 | $520 | $980 | $460 |
| Mount Holly, NC | $157,200 | $738 | $510 | $1,020 | $510 |
| Clover, SC | $193,500 | $1,123 | $770 | $1,590 | $820 |
| Huntersville, NC | $270,100 | $1,146 | $810 | $1,590 | $780 |
| Gaffney, SC | $99,200 | $664 | $450 | $940 | $490 |
| Harrisburg, NC | $254,100 | $844 | $570 | $1,210 | $640 |
| Midland, NC | $164,200 | $906 | $650 | $1,290 | $640 |