Gavop shows you how to buy homeowners insurance in Smithville, 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 | $80,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $210,000 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $293,000 | $260,000 | $300,000-$350,000 |
| 4 Bedroom | $266,000 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $234,000 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $727 |
| Superior Protection Discount | -$76 | $769 |
| Fire & Security Discount | -$68 | $778 |
| Hail Resistant Roof Discount | -$17 | $828 |
| Newly Constructed Home Discount | -$220 | $626 |
| 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 |
| Brunswick County | $1,500 | $958 | $2,458 | $696 | $2,196 | $262 |
| Smithville, NC | $700 | $835 | $1,535 | $607 | $1,307 | $228 |
| St. James, NC | $300 | $1,932 | $2,232 | $1,404 | $1,704 | $528 |
| Federal Point, NC | $1,500 | $832 | $2,332 | $604 | $2,104 | $227 |
| Wrightsville Beach, NC | $100 | $729 | $829 | $529 | $629 | $199 |
| Harnett, NC | $2,500 | $810 | $3,310 | $589 | $3,089 | $221 |
| Murraysville, NC | $100 | $797 | $897 | $579 | $679 | $218 |
| Delco, NC | $2,500 | $658 | $3,158 | $478 | $2,978 | $180 |
| Rocky Point, NC | $200 | $633 | $833 | $460 | $660 | $173 |
| Bogue, NC | $700 | $590 | $1,290 | $429 | $1,129 | $161 |
| Longs, SC | $300 | $701 | $1,001 | $510 | $810 | $192 |
| Home Insurance Company Smithville, NC | Homeowners Insurance Agency Smithville, NC | Address | Popularity Score | Distance from Smithville (miles) |
|---|---|---|---|---|
| State Farm | Jonathan Calhoun | 432 Landmark Drive, Wilmington, NC, 28412-6310 | 20.5 | |
| Allstate | David Ager | 4837 Carolina Beach Rd Ste 101, Wilmington, NC, 28412 | 18.9 | |
| Allstate | Rusty Russ | 4746 Main St, Shallotte, NC, 28459 | 21.8 | |
| Travelers | Coastal Insurance | 4625 Main St Hwy17 Business, Shallotte, NC, 28470 | 21.6 | |
| State Farm | Greg Ochipa | 1039 S College Rd Ste 105, Wilmington, NC, 28403-4434 | 23.4 | |
| State Farm | Thomas Murphy | 5525 Crlna Bch Rd, Wilmington, NC, 28412-2607 | 16.9 | |
| Travelers | Homeinsurance Com | 4829 Carolina Beach Rd Ste. 110, Wilmington, NC, 28412 | 18.9 | |
| Travelers | Eia - David Li Insurance | 5315 S College Rd Ste F, Wilmington, NC, 28412 | 18.4 | |
| Nationwide | Doyle F. Dennis | 801 N Howe St Ste 6, Southport, NC, 28461-3351 | 2.2 | |
| Travelers | Tianliang Li | 5315 S College Rd Ste F, Wilmington, NC, 28412 | 18.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $630 | $1,230 | $600 |
| Brunswick County, NC | $194,700 | $970 | $650 | $1,390 | $740 |
| Smithville, NC | $254,900 | $845 | $570 | $1,210 | $640 |
| St. James, NC | $450,200 | $1,955 | $1,410 | $2,800 | $1,390 |
| Federal Point, NC | $253,100 | $842 | $570 | $1,160 | $590 |
| Wrightsville Beach, NC | $759,700 | $737 | $520 | $1,020 | $500 |
| Harnett, NC | $242,400 | $820 | $560 | $1,170 | $610 |
| Murraysville, NC | $179,400 | $806 | $590 | $1,150 | $560 |
| Delco, NC | $108,300 | $666 | $450 | $910 | $460 |
| Rocky Point, NC | $128,900 | $641 | $460 | $920 | $460 |
| Bogue, NC | $95,000 | $597 | $440 | $840 | $400 |
| Longs, SC | $123,700 | $710 | $480 | $1,020 | $540 |