Gavop's guide to buying homeowners insurance in Chambersburg, 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.
| Chambersburg, NC - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 2611, W Haven Dr, Berta Dr, Martin Ln, Dunlap Gate Rd, Hidden Lakes Rd, Weatherstone Ln, State Rd 1746, Oak Haven Dr, Rainwood Dr | $159,000 | $140,000 | $125,000-$150,000 | $128,000 | $120,000 | $125,000-$150,000 |
| Grandview Dr, State Rd 2490, Hollingswood Rd, State Rd 2320, Florence Cir, Watermoss Dr, Eastover Dr, Taras Trace Dr, Pebblestone Ct, Randa Dr | $162,000 | $140,000 | $125,000-$150,000 | $73,000 | $70,000 | $75,000-$100,000 |
| Camelot Dr, Cobra Pl, Willards Way, Cotton Wood Rd, Jimmy Dr, Imes Ct, Phipps Ln, Broadmoor Dr, Clove Ln, Pom Ln | $135,500 | $120,000 | $150,000-$175,000 | $59,500 | $60,000 | $50,000-$75,000 |
| Carolinian Dr, Idaho Rd, Hidden Hills Ln, State Rd 2368, Sweet Gum Ln, Montgomery Dr, Scott Rd, Walton Dr, Garner Bagnal Blvd, Old Georgia Rd | $149,000 | $130,000 | $125,000-$150,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Old Hoover Farm Ln, Ebenezer Rd, E Page Hager Rd, E Broad St Exd, Edsel Way, Lindsey St, State Rd 1003, 2508, Scalybark Rd, Sorrell Ln | $215,500 | $180,000 | $200,000-$250,000 | $98,000 | $80,000 | $100,000-$125,000 |
| Stickbridge Ln, Somerset Pl, Vance Po Rd, Gray Barn Dr, State Rd 2468, Chatfield Loop, Bell Farm Rd, State Rd 2162, State Rd 2452, Glover St | $125,500 | $100,000 | $100,000-$125,000 | $78,000 | $70,000 | $50,000-$75,000 |
| White Oak Branch Rd, Hatfield Rd, Sagefield Dr, Shearer Dr, State Rd 1310, Cumberland Rd, Songbird Ln, Springfield Rd, State Rd 2497, Dallas Ln | $159,000 | $140,000 | $125,000-$150,000 | $77,000 | $70,000 | $50,000-$75,000 |
| Shinnville Rd, Mountaineer Dr, Creedmore Dr, Apple Valley Ln, Shelia Ln, Crouch St, Woodleaf Rd, Airborne Ln, State Rd 2454, Glen Eagles Rd | $190,000 | $170,000 | $175,000-$200,000 | $162,000 | $150,000 | $125,000-$150,000 |
| Crooked Ln, Knox Rd, 3117, State Rd 2204, Winding Arbor Cir, Beaver Farm Rd, 2520, McKinley Ave, McAllister Hill Ln, Gay St | $162,000 | $140,000 | $175,000-$200,000 | $106,500 | $90,000 | $100,000-$125,000 |
| Side Track Dr, State Rd 2358, State Rd 2320, Bowers Farm Ln, Roundabout Ln, Hollysprings Loop, 2430, Sedgefield Rd, State Rd 2309, 2573 | $82,000 | $70,000 | $75,000-$100,000 | $92,500 | $80,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $536 |
| Superior Protection Discount | -$58 | $588 |
| Fire & Security Discount | -$65 | $581 |
| Hail Resistant Roof Discount | -$19 | $627 |
| Newly Constructed Home Discount | -$149 | $497 |
| 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 |
| Iredell County | $1,000 | $891 | $1,891 | $647 | $1,647 | $243 |
| Chambersburg, NC | $2,500 | $638 | $3,138 | $464 | $2,964 | $174 |
| Enochville, NC | $400 | $693 | $1,093 | $503 | $903 | $189 |
| Catawba Springs, NC | $1,000 | $879 | $1,879 | $639 | $1,639 | $240 |
| Huntersville, NC | $200 | $1,132 | $1,332 | $823 | $1,023 | $309 |
| Lowesville, NC | $700 | $1,153 | $1,853 | $838 | $1,538 | $315 |
| Lincolnton, NC | $100 | $665 | $765 | $483 | $583 | $182 |
| North Knobs, NC | $2,500 | $580 | $3,080 | $421 | $2,921 | $158 |
| Hays, NC | $200 | $719 | $919 | $523 | $723 | $197 |
| Sawmills, NC | $2,500 | $868 | $3,368 | $631 | $3,131 | $237 |
| Forsyth County, NC | $400 | $821 | $1,221 | $597 | $997 | $224 |
| Pineville, NC | $1,500 | $807 | $2,307 | $586 | $2,086 | $220 |
| Home Insurance Company Chambersburg, NC | Homeowners Insurance Agency Chambersburg, NC | Address | Popularity Score | Distance from Chambersburg (miles) |
|---|---|---|---|---|
| Erie | Robert D Black Insurance Services | 108 West Catawba Avenue, Mount Holly, NC, 28120 | 34.0 | |
| Erie | Morrow Insurance & Associates | 155a S Eastway Drive, Troutman, NC, 28166 | 6.3 | |
| State Farm | Gary Kochman | 9539 Idlewild Rd, Mint Hill, NC, 28227-6015 | 40.4 | |
| Allstate | Alan Carpenter | 479 N Generals Blvd, Lincolnton, NC, 28092 | 31.1 | |
| Nationwide | Michael Y. Baucom | 300 E John St Suite 150, Matthews, NC, 28105-4939 | 44.4 | |
| State Farm | Mike Harris | 124 E Plaza Dr Ste B, Mooresville, NC, 28115-8102 | 11.7 | |
| Travelers | Triangle Insurance Agency | 275 S Main St, Troutman, NC, 28166 | 6.2 | |
| Liberty Mutual Independent | Central Carolina Ins Agcy Inc | 317 Jake Alexander Blvd S, Salisbury, NC, 28147 | 18.6 | |
| Travelers | American Auto Club Ins Agency L L C | 6600 Aaa Drive, Charlotte, NC, 28212 | 38.2 | |
| Travelers | American Auto Club Insurance Agency Llc | 620 N Main St, Kannapolis, NC, 28081 | 19.9 |
| 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 | $1,260 | $660 |
| Iredell County, NC | $173,600 | $901 | $610 | $1,290 | $680 |
| Chambersburg, NC | $130,300 | $646 | $430 | $900 | $470 |
| Enochville, NC | $115,500 | $701 | $480 | $970 | $490 |
| Catawba Springs, NC | $277,200 | $890 | $610 | $1,260 | $650 |
| Huntersville, NC | $270,100 | $1,146 | $780 | $1,590 | $810 |
| Lowesville, NC | $247,000 | $1,167 | $810 | $1,670 | $860 |
| Lincolnton, NC | $120,400 | $673 | $480 | $960 | $480 |
| North Knobs, NC | $101,500 | $587 | $420 | $800 | $380 |
| Hays, NC | $121,200 | $728 | $500 | $1,030 | $530 |
| Sawmills, NC | $99,100 | $879 | $600 | $1,220 | $620 |
| Forsyth County, NC | $151,400 | $831 | $590 | $1,190 | $600 |
| Pineville, NC | $183,100 | $816 | $560 | $1,160 | $600 |