Gavop's guide to buying homeowners insurance in New River, 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 | $58,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $134,500 | $110,000 | $150,000-$175,000 |
| 3 Bedroom | $212,000 | $200,000 | $200,000-$250,000 |
| 4 Bedroom | $352,000 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $432,500 | $390,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$154 | $700 |
| Superior Protection Discount | -$77 | $776 |
| Fire & Security Discount | -$60 | $793 |
| Hail Resistant Roof Discount | -$17 | $836 |
| Newly Constructed Home Discount | -$188 | $665 |
| 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 |
| Watauga County | $1,000 | $1,056 | $2,056 | $767 | $1,767 | $289 |
| New River, NC | $1,500 | $843 | $2,343 | $613 | $2,113 | $230 |
| Boone, NC | $400 | $861 | $1,261 | $626 | $1,026 | $235 |
| Clifton, NC | $700 | $724 | $1,424 | $526 | $1,226 | $198 |
| Walnut Hill, NC | $400 | $948 | $1,348 | $689 | $1,089 | $259 |
| Peak Creek, NC | $1,500 | $802 | $2,302 | $583 | $2,083 | $219 |
| Spruce Pine, NC | $500 | $710 | $1,210 | $516 | $1,016 | $194 |
| North Cove, NC | $2,000 | $535 | $2,535 | $389 | $2,389 | $146 |
| Crabtree, NC | $200 | $831 | $1,031 | $604 | $804 | $227 |
| Grayson County, VA | $1,500 | $901 | $2,401 | $655 | $2,155 | $246 |
| Adwolf, VA | $400 | $512 | $912 | $372 | $772 | $140 |
| South Buck Shoals, NC | $1,000 | $724 | $1,724 | $526 | $1,526 | $198 |
| Home Insurance Company New River, NC | Homeowners Insurance Agency New River, NC | Address | Popularity Score | Distance from New River (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Broome Associated Insurance | 630 4th St S W, Hickory, NC, 28603 | 38.4 | |
| Travelers | Morrow Insurance Agency | 246 S Main St, Marion, NC, 28752 | 42.0 | |
| Travelers | The Gardner Group | 2329 Springs Rd Ne, Hickory, NC, 28601 | 38.6 | |
| State Farm | Andrea Mcdonough | 450 New Market Blvd Ste 1, Boone, NC, 28607-5501 | 0.4 | |
| Travelers | Deal Insurance Group | 810 N Moravian Street, Wilkesboro, NC, 28697 | 28.0 | |
| State Farm | Stephanie Barker | 206 Southgate Drive Suite 21a, Boone, NC, 28607-6250 | 1.5 | |
| Travelers | Hendren Insurance Agency | 493 Nc Hwy 16 South, Taylorsville, NC, 28681 | 34.1 | |
| Erie | Kincaid Insurance Agency | 102 Mulberry St Nw, Lenoir, NC, 28645 | 22.1 | |
| Erie | Blue Ridge Insurance Service Inc. | 2208 Us Highway 421 N Suite 2, Boone, NC, 28607 | 2.9 | |
| State Farm | David Jernigan | 503 W Fleming Dr, Morganton, NC, 28655-3923 | 33.5 |
| 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 |
| Watauga County, NC | $240,700 | $1,069 | $770 | $1,460 | $690 |
| New River, NC | $258,900 | $853 | $610 | $1,180 | $570 |
| Boone, NC | $268,200 | $872 | $600 | $1,230 | $630 |
| Clifton, NC | $122,200 | $733 | $500 | $1,040 | $540 |
| Walnut Hill, NC | $179,600 | $960 | $640 | $1,330 | $690 |
| Peak Creek, NC | $140,400 | $812 | $540 | $1,160 | $620 |
| Spruce Pine, NC | $119,300 | $719 | $510 | $1,000 | $490 |
| North Cove, NC | $85,000 | $542 | $370 | $740 | $370 |
| Crabtree, NC | $147,300 | $841 | $570 | $1,200 | $630 |
| Grayson County, VA | $95,700 | $912 | $670 | $1,260 | $590 |
| Adwolf, VA | $93,000 | $518 | $350 | $730 | $380 |
| South Buck Shoals, NC | $122,300 | $733 | $510 | $1,010 | $500 |