Gavop's guide to buying homeowners insurance in Vance County, 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 | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $61,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $90,000 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $119,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $216,500 | $200,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$188 | $799 |
| Superior Protection Discount | -$99 | $888 |
| Fire & Security Discount | -$109 | $878 |
| Hail Resistant Roof Discount | -$20 | $967 |
| Newly Constructed Home Discount | -$286 | $701 |
| 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 |
| Vance County | $1,000 | $975 | $1,975 | $709 | $1,709 | $266 |
| Vance County, NC | $1,000 | $975 | $1,975 | $709 | $1,709 | $266 |
| Henderson, NC | $500 | $861 | $1,361 | $625 | $1,125 | $235 |
| Hawtree, NC | $1,500 | $535 | $2,035 | $389 | $1,889 | $146 |
| Clarksville, VA | $200 | $780 | $980 | $567 | $767 | $213 |
| Brinkleyville, NC | $700 | $453 | $1,153 | $329 | $1,029 | $124 |
| Bacon, VA | $400 | $501 | $901 | $364 | $764 | $137 |
| Leesville, NC | $2,500 | $915 | $3,415 | $665 | $3,165 | $250 |
| Rocky Mount, NC | $100 | $621 | $721 | $451 | $551 | $170 |
| Halifax, NC | $700 | $535 | $1,235 | $388 | $1,088 | $146 |
| Sturgeon, VA | $500 | $494 | $994 | $359 | $859 | $135 |
| Toisnot, NC | $700 | $853 | $1,553 | $620 | $1,320 | $233 |
| Home Insurance Company Vance County, NC | Homeowners Insurance Agency Vance County, NC | Address | Popularity Score | Distance from Vance County (miles) |
|---|---|---|---|---|
| Erie | The Caldwell Insurance Agency | 125 W Chatham Street, Cary, NC, 27511 | 45.1 | |
| Nationwide | Craig Insurance Group Inc | 1125 W Nc Highway 54 Ste 204, Durham, NC, 27707 | 43.6 | |
| State Farm | Amanda Hagood | 3518 Wade Ave Ste B, Raleigh, NC, 27607-4068 | 41.9 | |
| State Farm | Courtney Gunnels | 807 E Main St Ste 180, Durham, NC, 27701-4074 | 37.5 | |
| State Farm | Margier White | 234 Raleigh Road, Henderson, NC, 27536-4978 | 3.3 | |
| State Farm | Collin Clarke | 2339 Timber Dr Ste 200, Garner, NC, 27529-2518 | 47.6 | |
| Nationwide | Michelle Keener & Associates Inc. | 101 New Fidelity Ct, Garner, NC, 27529 | 46.7 | |
| Erie | Matt Roberts Agency Inc. | 1151 Falls River Avenue Suite 105a, Raleigh, NC, 27614 | 33.2 | |
| State Farm | Leslie Miller | 105 W Nc Highway 54 Ste 255, Durham, NC, 27713-6648 | 43.2 | |
| Erie | The Sorgi Insurance Agency | 16 Consultant Pl Ste 102, Durham, NC, 27707 | 41.6 |
| 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 | $1,260 | $650 |
| Vance County, NC | $95,500 | $987 | $710 | $1,390 | $680 |
| Vance County, NC | $95,500 | $987 | $660 | $1,390 | $730 |
| Henderson, NC | $91,300 | $871 | $600 | $1,210 | $610 |
| Hawtree, NC | $85,100 | $542 | $400 | $780 | $380 |
| Clarksville, VA | $163,700 | $789 | $560 | $1,110 | $550 |
| Brinkleyville, NC | $70,900 | $458 | $330 | $630 | $300 |
| Bacon, VA | $90,900 | $507 | $340 | $720 | $380 |
| Leesville, NC | $295,000 | $926 | $670 | $1,320 | $650 |
| Rocky Mount, NC | $104,700 | $629 | $420 | $870 | $450 |
| Halifax, NC | $84,900 | $541 | $380 | $740 | $360 |
| Sturgeon, VA | $89,700 | $500 | $370 | $710 | $340 |
| Toisnot, NC | $96,800 | $864 | $610 | $1,200 | $590 |