How Can I Make My Smithville, NC Home Insurance Cheaper

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.

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Select the Suitable Coverage Value for your Smithville, NC Home | Back to Top

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

Choose the Best Smithville, NC Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 550-599 Credit Score $25 to 50,000 No Pets, Non-Smoker $390
Freelancer 800-850 Credit Score >$150,000 1 Pet, Non-Smoker $860
Unemployed 600-649 Credit Score No Income 3 Pets, Smoker $260

Choose the Right Deductible for your Smithville, NC Home | Back to Top

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
North Carolina $500 $650 $1,150 $520 $1,020 $130
Brunswick County, NC $1,500 $850 $1,350 $720 $2,220 $-870
Smithville, NC $700 $1,200 $1,700 $980 $1,680 $20
St. James, NC $300 $1,520 $1,820 $1,230 $1,530 $290
Federal Point, NC $1,500 $1,060 $1,560 $900 $2,400 $-840
Wrightsville Beach, NC $100 $2,010 $2,110 $1,750 $1,850 $260
Harnett, NC $2,500 $1,240 $1,740 $1,060 $3,560 $-1,820
Murraysville, NC $100 $920 $1,020 $790 $890 $130
Delco, NC $2,500 $380 $880 $320 $2,820 $-1,940
Rocky Point, NC $200 $430 $630 $360 $560 $70
Bogue, NC $700 $440 $940 $370 $1,070 $-130
Longs, SC $300 $590 $890 $480 $780 $110
Ivanhoe, NC $2,000 $830 $1,330 $690 $2,690 $-1,360

Identify Top Home Insurance Agents near Smithville, NC | Back to Top

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

Compare Rates for Smithville, NC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $770 $520 $1,070 $550
Brunswick County, NC $187,000 $880 $590 $1,210 $620
Smithville, NC $257,900 $1,030 $700 $1,430 $730
St. James, NC $461,800 $2,030 $1,360 $2,860 $1,500
Federal Point, NC $242,700 $1,410 $1,030 $2,020 $990
Wrightsville Beach, NC $911,700 $2,010 $1,470 $2,750 $1,280
Harnett, NC $229,600 $1,100 $740 $1,520 $780
Murraysville, NC $187,600 $960 $700 $1,370 $670
Delco, NC $103,700 $610 $430 $850 $420
Rocky Point, NC $98,000 $560 $400 $800 $400
Bogue, NC $98,000 $540 $390 $760 $370
Longs, SC $117,000 $500 $370 $720 $350
Ivanhoe, NC $181,700 $800 $580 $1,100 $520