Gavop shows you how to buy homeowners insurance in Harris, 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $153,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $176,000 | $150,000 | $200,000-$250,000 |
| 4 Bedroom | $194,500 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $210,500 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $595 |
| Superior Protection Discount | -$72 | $646 |
| Fire & Security Discount | -$72 | $646 |
| Hail Resistant Roof Discount | -$14 | $703 |
| Newly Constructed Home Discount | -$187 | $531 |
| 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 |
| Franklin County | $1,500 | $778 | $2,278 | $566 | $2,066 | $213 |
| Harris, NC | $700 | $709 | $1,409 | $515 | $1,215 | $194 |
| Wake County, NC | $500 | $1,081 | $1,581 | $786 | $1,286 | $296 |
| St. Marys, NC | $1,000 | $723 | $1,723 | $525 | $1,525 | $198 |
| Cedar Fork, NC | $200 | $1,006 | $1,206 | $731 | $931 | $275 |
| Wilson, NC | $1,500 | $756 | $2,256 | $550 | $2,050 | $207 |
| Great Swamp, NC | $200 | $568 | $768 | $413 | $613 | $155 |
| Enfield, NC | $500 | $846 | $1,346 | $615 | $1,115 | $231 |
| Chapel Hill, NC | $1,500 | $1,385 | $2,885 | $1,007 | $2,507 | $379 |
| Roanoke Rapids, NC | $200 | $609 | $809 | $443 | $643 | $166 |
| Mecklenburg County, VA | $2,000 | $636 | $2,636 | $462 | $2,462 | $174 |
| Home Insurance Company Harris, NC | Homeowners Insurance Agency Harris, NC | Address | Popularity Score | Distance from Harris (miles) |
|---|---|---|---|---|
| Nationwide | Craig Insurance Group Inc | 1125 W Nc Highway 54 Ste 204, Durham, NC, 27707 | 35.1 | |
| Travelers | Durfey-Hoover-Bowden Insurance | 3741 Benson Drive, Raleigh, NC, 27609 | 19.0 | |
| State Farm | Mike Mckeown | 350 S White St, Wake Forest, NC, 27587-3013 | 9.6 | |
| State Farm | Sam Djeniah | 4229 Louisburg Rd Ste 117, Raleigh, NC, 27604-4345 | 16.8 | |
| State Farm | David Hunter | 260 New Fidelity Ct, Garner, NC, 27529-2896 | 25.1 | |
| State Farm | Christi Spencer | 3625 Rogers Rd Ste 103, Wake Forest, NC, 27587-7634 | 9.7 | |
| Allstate | Peter Birkner | 133 E Main St Ste 200, Youngsville, NC, 27596 | 8.0 | |
| State Farm | Wesley Wilder | 100 W Main St Ste C, Youngsville, NC, 27596-9101 | 8.1 | |
| Allstate | Robert Fleming | 504 S Main St, Rolesville, NC, 27571 | 8.8 | |
| Travelers | Michael A Brown | 262 Southtown Cir Ste A, Rolesville, NC, 27571 | 9.0 |
| 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 |
| Franklin County, NC | $140,300 | $788 | $570 | $1,120 | $550 |
| Harris, NC | $150,800 | $717 | $520 | $1,000 | $480 |
| Wake County, NC | $250,700 | $1,095 | $760 | $1,540 | $780 |
| St. Marys, NC | $155,000 | $732 | $500 | $1,020 | $520 |
| Cedar Fork, NC | $336,200 | $1,018 | $740 | $1,450 | $710 |
| Wilson, NC | $134,800 | $765 | $510 | $1,080 | $570 |
| Great Swamp, NC | $90,900 | $575 | $400 | $810 | $410 |
| Enfield, NC | $70,200 | $856 | $570 | $1,220 | $650 |
| Chapel Hill, NC | $370,700 | $1,402 | $1,020 | $1,980 | $960 |
| Roanoke Rapids, NC | $107,700 | $617 | $440 | $850 | $410 |
| Mecklenburg County, VA | $125,300 | $644 | $440 | $880 | $440 |