Gavop's guide to buying homeowners insurance in Locke, 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.
| Locke, 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 | |
| W Fisher St, State Rd 1476, Howell Rd, Maggie Ave, 2nd Ave, Deer Haven Dr, York Rd, State Rd 1730, Denmark, Shue Rd | $172,500 | $140,000 | $150,000-$175,000 | $105,000 | $100,000 | $75,000-$100,000 |
| W Horah St, Recovery Rd, State Rd 1724, Ethel Ln, Old Farm Rd, Alpha Dr, Creekwood Dr, Sellers Ct, French Belk Rd, State Rd 1211 | $104,500 | $90,000 | $100,000-$125,000 | $68,500 | $60,000 | $50,000-$75,000 |
| State Rd 1722, Rowan Mill Rd, S West St, Clyde Kress Rd, Camp Rd, Cindy Rd, Joy St, Balfour Dr, E Thom St, Outback Ln | $101,500 | $90,000 | $100,000-$125,000 | $96,000 | $90,000 | $100,000-$125,000 |
| Reid Farm Rd, State Rd 1552, Versailles Rd, Softwood Ln, N Harris St, Corriher Gravel Rd, Gold Branch Rd, Bridge Ct, State Rd 2590, Old Bradshaw Rd | $154,500 | $140,000 | $150,000-$175,000 | $184,500 | $170,000 | $200,000-$250,000 |
| Venture Dr, Tall Oaks Cir, Holly Lake Dr, S Franklin St, Ludwick Heights Ln, Short Cut Rd, Nesbitt Dr, Auction Dr, Vineyard Cir, Goodman Rd | $83,000 | $80,000 | $50,000-$75,000 | $63,500 | $60,000 | $50,000-$75,000 |
| Journey Ln, Strawberry Ln, Shinn Rd, Laurel Ln, Baines Dr, Neelytown Rd, Lillian St, Mandolin St, Cedar Cir, Duke Dr | $143,000 | $140,000 | $150,000-$175,000 | $98,000 | $80,000 | $75,000-$100,000 |
| Romans Rd, Wilson St, Fish House Rd, Daugherty Rd, Knoxridge Rd, Knox School Rd, State Rd 1337, W Kerr St, State Rd 1548, State Rd 1740 | $117,500 | $110,000 | $125,000-$150,000 | $121,000 | $110,000 | $125,000-$150,000 |
| E Ritchie Rd, John Rainey Rd, Kent Rd, Phillip St, Old Cress Rd, Jones Rd, Hopedale Dr, Forest Abbey Ln, Best St, Briarwood Lake Dr | $204,000 | $190,000 | $175,000-$200,000 | $109,000 | $100,000 | $75,000-$100,000 |
| Hinsdale Ave, Hallmark Estates Dr, State Rd 1507, Belle Ct, Ted Ln, State Rd 1558, Corliss St, State Rd 1547, Carlton Ridge Rd, Forest Glen Dr | $162,000 | $140,000 | $125,000-$150,000 | $154,000 | $150,000 | $175,000-$200,000 |
| State Rd 2621, Coventry Ln, Browns Farm Rd, State Rd 1594, State Rd 1772, Bear Poplar Rd, Valley Dr, Tarheel Farm Rd, Cooper Rd, Pineywood Dr | $177,500 | $170,000 | $175,000-$200,000 | $161,500 | $130,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $582 |
| Superior Protection Discount | -$68 | $609 |
| Fire & Security Discount | -$68 | $609 |
| Hail Resistant Roof Discount | -$20 | $656 |
| Newly Constructed Home Discount | -$183 | $494 |
| 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 |
| Rowan County | $2,500 | $737 | $3,237 | $536 | $3,036 | $201 |
| Locke, NC | $1,000 | $668 | $1,668 | $486 | $1,486 | $183 |
| Cool Springs, NC | $500 | $772 | $1,272 | $561 | $1,061 | $211 |
| Concord, NC | $1,000 | $910 | $1,910 | $661 | $1,661 | $249 |
| Misenheimer, NC | $300 | $666 | $966 | $484 | $784 | $182 |
| Locust, NC | $2,000 | $896 | $2,896 | $651 | $2,651 | $245 |
| South Albemarle, NC | $500 | $717 | $1,217 | $521 | $1,021 | $196 |
| Uwharrie, NC | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
| Asheboro, NC | $200 | $635 | $835 | $461 | $661 | $174 |
| King, NC | $2,000 | $702 | $2,702 | $510 | $2,510 | $192 |
| Marsh, NC | $300 | $678 | $978 | $493 | $793 | $185 |
| Cheek Creek, NC | $2,500 | $483 | $2,983 | $351 | $2,851 | $132 |
| Home Insurance Company Locke, NC | Homeowners Insurance Agency Locke, NC | Address | Popularity Score | Distance from Locke (miles) |
|---|---|---|---|---|
| State Farm | Jessica Ross | 7903 Providence Rd Ste 170, Charlotte, NC, 28277-9745 | 40.3 | |
| Nationwide | Michael J Morgan Agency | 2200 Silas Creek Pkwy Ste 4 A, Winston-Salem, NC, 27103 | 32.7 | |
| State Farm | Jim Burgin | 3391 Cloverleaf Pkwy, Kannapolis, NC, 28083-6991 | 14.4 | |
| Nationwide | William Viviano | 7008 E Wt Harris Blvd Suite 16, Charlotte, NC, 28215 | 31.2 | |
| Travelers | Pruitt Keener Insurance Services Inc | 8832 Blakeney Professional Dr Ste 203, Charlotte, NC, 28277 | 45.3 | |
| State Farm | Jack English | 6853 Fairview Rd Ste 100 A, Charlotte, NC, 28210-3662 | 38.2 | |
| Nationwide | Dray Insurance Services Inc. | 3445 Robinhood Rd Ste B, Winston Salem, NC, 27106 | 34.6 | |
| Allstate | Lindsay Nelson | 2903 Audrey Dr, Gastonia, NC, 28054 | 43.1 | |
| State Farm | Rick Kepler | 3912 Battlegrd Ave Ste 108, Greensboro, NC, 27410-8576 | 49.0 | |
| Travelers | Cosaint Insurance | 15720 Brixham Hill Ave Ste 130, Charlotte, NC, 28277 | 44.4 |
| 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 |
| Rowan County, NC | $130,400 | $746 | $540 | $1,020 | $480 |
| Locke, NC | $138,700 | $676 | $460 | $930 | $470 |
| Cool Springs, NC | $133,100 | $781 | $520 | $1,110 | $590 |
| Concord, NC | $179,200 | $921 | $650 | $1,310 | $660 |
| Misenheimer, NC | $110,000 | $674 | $490 | $960 | $470 |
| Locust, NC | $164,700 | $907 | $660 | $1,300 | $640 |
| South Albemarle, NC | $120,700 | $726 | $530 | $1,040 | $510 |
| Uwharrie, NC | $155,600 | $873 | $620 | $1,250 | $630 |
| Asheboro, NC | $113,500 | $643 | $460 | $920 | $460 |
| King, NC | $148,600 | $711 | $490 | $1,010 | $520 |
| Marsh, NC | $112,300 | $686 | $490 | $950 | $460 |
| Cheek Creek, NC | $76,000 | $489 | $350 | $680 | $330 |