Gavop's guide to buying homeowners insurance in Falling Creek, 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 |
|---|---|---|---|
| 2 Bedroom | $86,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $166,000 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $173,500 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $264,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $549 |
| Superior Protection Discount | -$68 | $610 |
| Fire & Security Discount | -$47 | $630 |
| Hail Resistant Roof Discount | -$20 | $658 |
| Newly Constructed Home Discount | -$176 | $502 |
| 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 |
| Lenoir County | $2,000 | $984 | $2,984 | $715 | $2,715 | $269 |
| Falling Creek, NC | $1,000 | $670 | $1,670 | $487 | $1,487 | $183 |
| Albertson, NC | $200 | $355 | $555 | $258 | $458 | $97 |
| Shine, NC | $2,000 | $512 | $2,512 | $372 | $2,372 | $140 |
| Mount Olive, NC | $500 | $557 | $1,057 | $405 | $905 | $152 |
| Grimesland, NC | $1,000 | $764 | $1,764 | $555 | $1,555 | $209 |
| Elm City, NC | $100 | $537 | $637 | $391 | $491 | $147 |
| Conetoe, NC | $2,000 | $416 | $2,416 | $302 | $2,302 | $114 |
| Clinton, NC | $200 | $662 | $862 | $481 | $681 | $181 |
| Vann Crossroads, NC | $2,000 | $827 | $2,827 | $601 | $2,601 | $226 |
| Four Oaks, NC | $300 | $681 | $981 | $495 | $795 | $186 |
| Benson, NC | $2,000 | $679 | $2,679 | $493 | $2,493 | $185 |
| Home Insurance Company Falling Creek, NC | Homeowners Insurance Agency Falling Creek, NC | Address | Popularity Score | Distance from Falling Creek (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Conway & Co. Insurers | 2914 N Herritage St, Kinston, NC, 28501 | 5.8 | |
| Travelers | The Insurance Center | 1320 Commerce Drive New Bern, New Bern, NC, 28562 | 35.2 | |
| Travelers | Jake A Parrott Insurance Agency Inc | 2508 North Herritage St, Kinston, NC, 28501 | 5.5 | |
| State Farm | Philip Thomas | 3024 Zebulon Rd, Rocky Mount, NC, 27804-2421 | 49.0 | |
| Nationwide | Brian Jenkins Agency | 113 Oleander Dr, Clayton, NC, 27527 | 48.2 | |
| Erie | Barefoot Insurance Agency | 102 S Railroad Street, Benson, NC, 27504 | 49.6 | |
| Allstate | Tyson Wooten | 2515 Airport Blvd Nw Ste F, Wilson, NC, 27896 | 36.9 | |
| State Farm | Dyrke Maricle | 13024 Us Hwy Bus 70w, Clayton, NC, 27520-2529 | 49.8 | |
| State Farm | Jimmie Holmes | 1407 E Ash Street, Goldsboro, NC, 27530-5201 | 18.4 | |
| Allstate | Tom Medlin | 324 N Brightleaf Blvd, Smithfield, NC, 27577 | 40.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,220 | $570 |
| Lenoir County, NC | $93,500 | $996 | $720 | $1,360 | $640 |
| Falling Creek, NC | $139,100 | $678 | $450 | $930 | $480 |
| Albertson, NC | $55,600 | $359 | $240 | $490 | $250 |
| Shine, NC | $80,900 | $518 | $360 | $740 | $380 |
| Mount Olive, NC | $88,900 | $564 | $380 | $800 | $420 |
| Grimesland, NC | $168,300 | $773 | $560 | $1,060 | $500 |
| Elm City, NC | $85,500 | $544 | $380 | $750 | $370 |
| Conetoe, NC | $65,000 | $421 | $300 | $580 | $280 |
| Clinton, NC | $119,400 | $670 | $480 | $960 | $480 |
| Vann Crossroads, NC | $146,500 | $837 | $570 | $1,160 | $590 |
| Four Oaks, NC | $113,000 | $689 | $500 | $970 | $470 |
| Benson, NC | $112,500 | $687 | $490 | $950 | $460 |