Gavop's guide to buying homeowners insurance in Masonboro, 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 |
|---|---|---|---|
| 1 Bedroom | $89,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $231,000 | $190,000 | $250,000-$300,000 |
| 3 Bedroom | $156,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $334,000 | $320,000 | $350,000-$400,000 |
| 5 Bedroom | $264,500 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$142 | $747 |
| Superior Protection Discount | -$89 | $801 |
| Fire & Security Discount | -$89 | $801 |
| Hail Resistant Roof Discount | -$27 | $863 |
| Newly Constructed Home Discount | -$249 | $640 |
| 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 |
| New Hanover County | $2,500 | $1,015 | $3,515 | $738 | $3,238 | $277 |
| Masonboro, NC | $2,000 | $879 | $2,879 | $639 | $2,639 | $240 |
| Northchase, NC | $400 | $910 | $1,310 | $661 | $1,061 | $249 |
| Skippers Corner, NC | $1,000 | $1,033 | $2,033 | $751 | $1,751 | $282 |
| Topsail, NC | $500 | $813 | $1,313 | $591 | $1,091 | $222 |
| St. James, NC | $2,500 | $1,932 | $4,432 | $1,404 | $3,904 | $528 |
| Long Creek, NC | $200 | $900 | $1,100 | $654 | $854 | $246 |
| Pender County, NC | $1,000 | $869 | $1,869 | $631 | $1,631 | $237 |
| Holden Beach, NC | $400 | $1,648 | $2,048 | $1,198 | $1,598 | $450 |
| Waccamaw, NC | $2,500 | $656 | $3,156 | $477 | $2,977 | $179 |
| Sunset Beach, NC | $200 | $1,198 | $1,398 | $871 | $1,071 | $328 |
| Calabash, NC | $1,000 | $722 | $1,722 | $525 | $1,525 | $197 |
| Home Insurance Company Masonboro, NC | Homeowners Insurance Agency Masonboro, NC | Address | Popularity Score | Distance from Masonboro (miles) |
|---|---|---|---|---|
| State Farm | Chrystal Fray | 2547 S 17th St Ste C, Wilmington, NC, 28401-7864 | 5.6 | |
| Allstate | David Ager | 4837 Carolina Beach Rd Ste 101, Wilmington, NC, 28412 | 3.7 | |
| Liberty Mutual Independent | Jwb Insurance Group | 4010 Oleander Dr Ste 11, Wilmington, NC, 28403 | 5.5 | |
| Travelers | Coastal Insurance | 4625 Main St Hwy17 Business, Shallotte, NC, 28470 | 33.0 | |
| Liberty Mutual Independent | James E Moore Insurance Agency | 1508 Military Cutoff Rd Ste 104, Wilmington, NC, 28403 | 5.4 | |
| State Farm | Lisa Jones Johnson | 504 S Norwood St, Wallace, NC, 28466-1620 | 41.2 | |
| State Farm | Greg Ochipa | 1039 S College Rd Ste 105, Wilmington, NC, 28403-4434 | 5.4 | |
| State Farm | Kristin Dowdy | 5011 Northside Dr, Shallotte, NC, 28470-4461 | 33.1 | |
| State Farm | David Ward | 4818 New Centre Dr, Wilmington, NC, 28403-1618 | 7.0 | |
| Allstate | Randy Gibson | 413 S College Rd, Wilmington, NC, 28403 | 6.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $600 | $1,230 | $630 |
| New Hanover County, NC | $225,600 | $1,028 | $750 | $1,470 | $720 |
| Masonboro, NC | $210,100 | $890 | $610 | $1,230 | $620 |
| Northchase, NC | $168,400 | $921 | $650 | $1,280 | $630 |
| Skippers Corner, NC | $206,000 | $1,046 | $710 | $1,430 | $720 |
| Topsail, NC | $244,100 | $823 | $550 | $1,140 | $590 |
| St. James, NC | $450,200 | $1,955 | $1,430 | $2,680 | $1,250 |
| Long Creek, NC | $165,600 | $911 | $650 | $1,290 | $640 |
| Pender County, NC | $167,200 | $879 | $620 | $1,220 | $600 |
| Holden Beach, NC | $396,500 | $1,668 | $1,200 | $2,350 | $1,150 |
| Waccamaw, NC | $108,000 | $664 | $480 | $910 | $430 |
| Sunset Beach, NC | $263,300 | $1,213 | $820 | $1,690 | $870 |
| Calabash, NC | $121,900 | $731 | $490 | $1,040 | $550 |