Gavop shows you how to buy homeowners insurance in Cool Spring, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Cool Spring, 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 | |
| Brooks Rd Exd, Hidden Valley Ln, Pointer Rd, Pain Rd, State Rd 1615, State Rd 2163, State Rd 1738, Red Wing Dr, Ranger Dr, Old Ross Rd | $149,000 | $130,000 | $125,000-$150,000 | $103,500 | $100,000 | $75,000-$100,000 |
| Pine St, State Rd 1921, State Rd 2125, State Rd 1944, York St, Brooklyn Rd, Running Creek Dr, Providence Rd, Middle St, Harrill Dairy Rd | $121,000 | $100,000 | $125,000-$150,000 | $69,500 | $60,000 | $50,000-$75,000 |
| Byers St, Kelly Rd, Park St, Manford Dr, Lake Way Dr, Kanaan Dr, Greenlee Hollow Dr, Campbell Springs Rd, Hillcrest Ave, Holland Hollar | $116,000 | $100,000 | $100,000-$125,000 | $90,000 | $70,000 | $75,000-$100,000 |
| Ridgecrest Dr, Old Mooresboro Rd, State Rd 2172, Hudlow Rd, Hilltop Farm Ln, Golf St, Martin St, Tatum Way, Tonex St, Olde Cobblestone Dr | $173,500 | $140,000 | $150,000-$175,000 | $121,500 | $110,000 | $125,000-$150,000 |
| Old Wagy Rd, Plymouth Ln, Mayse Rd, Marlboro Dr, Wilderness Dr, Jack Martin Rd, Harriett Rd, Chandler Dr, Neighbors St, Dewitt Owens Rd | $124,000 | $100,000 | $100,000-$125,000 | $86,000 | $80,000 | $75,000-$100,000 |
| Clements Rd, Shakespeare Dr, State Rd 1777, Pine St, Nottingham Dr, Blanton Rd, Freewill Baptist Church Rd, Bethany Church Rd, Birdie Watson Rd, Jack Moore Mountain Rd | $93,500 | $80,000 | $75,000-$100,000 | $83,500 | $70,000 | $75,000-$100,000 |
| State Rd 1778, J J Blvd, Switzer Dr, Hillside St, Goode Grove Rd, State Rd 1757, Biggerstaff Rd, State Rd 1946, State Rd 1930, State Rd 1987 | $152,500 | $140,000 | $150,000-$175,000 | $104,500 | $100,000 | $100,000-$125,000 |
| Mosswood Ln, Parmer St, Keeter Rd, Pixie Ln, W Main St, Spear St, State Rd 1712, Farmington Dr, Frog Creek Rd, State Rd 1745 | $111,000 | $100,000 | $100,000-$125,000 | $67,500 | $50,000 | $50,000-$75,000 |
| Tool Dr, Ramsey Rd, Seaboard Rd, Midway Trl, Seitz Dr Exd, Country Home Dr, Hazelhurst Ln, Robertson Creek Church Rd, England Dr, Morgan St | $210,000 | $170,000 | $175,000-$200,000 | $142,500 | $120,000 | $125,000-$150,000 |
| Canaday Ln, Academy St, Upper Ridge Rd, Health Care Dr, Waters Rd, Georgia Ave, State Rd 1724, Spencer Aly, Horseshoe Dr, E Trade St | $149,000 | $130,000 | $150,000-$175,000 | $87,500 | $70,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $503 |
| Superior Protection Discount | -$62 | $559 |
| Fire & Security Discount | -$43 | $578 |
| Hail Resistant Roof Discount | -$19 | $603 |
| Newly Constructed Home Discount | -$168 | $454 |
| 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 |
| Rutherford County | $2,500 | $641 | $3,141 | $466 | $2,966 | $175 |
| Cool Spring, NC | $1,500 | $614 | $2,114 | $446 | $1,946 | $168 |
| Camp Creek, NC | $400 | $428 | $828 | $311 | $711 | $117 |
| Kingstown, NC | $2,500 | $505 | $3,005 | $367 | $2,867 | $138 |
| Inman Mills, SC | $100 | $527 | $627 | $383 | $483 | $144 |
| Tigerville, SC | $1,500 | $761 | $2,261 | $553 | $2,053 | $208 |
| Long View, NC | $300 | $550 | $850 | $400 | $700 | $150 |
| Grassy Creek, NC | $2,500 | $695 | $3,195 | $505 | $3,005 | $190 |
| Ranlo, NC | $400 | $693 | $1,093 | $503 | $903 | $189 |
| Mills River, NC | $1,000 | $855 | $1,855 | $621 | $1,621 | $234 |
| Enoree, SC | $200 | $492 | $692 | $358 | $558 | $134 |
| Lake Wylie, SC | $700 | $970 | $1,670 | $705 | $1,405 | $265 |
| Home Insurance Company Cool Spring, NC | Homeowners Insurance Agency Cool Spring, NC | Address | Popularity Score | Distance from Cool Spring (miles) |
|---|---|---|---|---|
| Travelers | Lincoln Insurance Agency Inc | 510 East Main Street, Lincolnton, NC, 28092 | 35.8 | |
| Allstate | Joseph Taylor | 2170 Hendersonville Rd, Arden, NC, 28704 | 38.8 | |
| Allstate | Randy Mckinney | 1639 Us Hwy 74a Byp Ste 160, Spindale, NC, 28160 | 2.7 | |
| Erie | Terry Knight Insurance Service Inc. | 3816-09 S New Hope Road, Gastonia, NC, 28056 | 43.9 | |
| Erie | Brooks Insurance Agency Llc | 607 West Trade Street, Dallas, NC, 28034 | 38.3 | |
| State Farm | Mike Gibson | 2940 Union Rd, Gastonia, NC, 28054-6022 | 40.0 | |
| Travelers | Mace Insurance Agency Llc | 1119 Shiloh Church Rd Ste K, Hickory, NC, 28601 | 45.6 | |
| Travelers | Cornerstone Insurance & Financial Services | 2395 E Main St, Lincolnton, NC, 28092 | 37.9 | |
| Nationwide | Jorhetta E. Cash | 2906 Union Rd, Gastonia, NC, 28054-6022 | 39.9 | |
| Liberty Mutual Independent | George W Stowe Ins | 508 Park St, Belmont, NC, 28012 | 47.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $610 | $1,240 | $630 |
| Rutherford County, NC | $109,000 | $649 | $430 | $890 | $460 |
| Cool Spring, NC | $108,700 | $621 | $440 | $880 | $440 |
| Camp Creek, NC | $66,900 | $433 | $310 | $600 | $290 |
| Kingstown, NC | $79,700 | $511 | $350 | $730 | $380 |
| Inman Mills, SC | $78,300 | $533 | $360 | $730 | $370 |
| Tigerville, SC | $135,700 | $770 | $520 | $1,100 | $580 |
| Long View, NC | $87,800 | $557 | $380 | $800 | $420 |
| Grassy Creek, NC | $146,600 | $704 | $510 | $1,010 | $500 |
| Ranlo, NC | $115,500 | $701 | $510 | $990 | $480 |
| Mills River, NC | $201,000 | $865 | $590 | $1,230 | $640 |
| Enoree, SC | $73,800 | $498 | $360 | $700 | $340 |
| Lake Wylie, SC | $293,900 | $982 | $710 | $1,390 | $680 |