Gavop shows you how to buy homeowners insurance in Charleston, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Charleston, 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 | |
| Pine Meadows Rd, State Rd 1129, Slope St, Whittier School Rd, Bluebird Cir, Rose St, Lakeview Lodge Dr, Riverside Dr, Possum Holler, Fontana Trace | $159,000 | $140,000 | $150,000-$175,000 | $118,500 | $100,000 | $125,000-$150,000 |
| Swayney Rd, Georgia Ave, State Rd 1110, State Rd 1311, Sunset Cove, State Rd 1319, Ela Ln, Ball Hill, Grandview Dr, Emma Taylor Rd | $132,000 | $110,000 | $125,000-$150,000 | $113,500 | $100,000 | $125,000-$150,000 |
| Katie Little John Rd, Sunset View Ridge, State Rd 1190, Rte 363, State Rd 1355, Park Cir, Orchard St, Breedlove Dr, Becks Branch Rd, Albritton Ln | $151,000 | $130,000 | $125,000-$150,000 | $117,000 | $100,000 | $100,000-$125,000 |
| Whippoorwill Dr, Shook Rd, Whispering Pines Ridge, Plateau St, Back of Beyond, Monteith Rd, W Deep Creek Rd, Hipsher Cove Rd, State Rd 1136, BIA Hwy 1410 | $193,500 | $180,000 | $200,000-$250,000 | $103,000 | $90,000 | $100,000-$125,000 |
| Clingman View Rd, Rocky Ridge, Jp Grant Rd, Falls Branch Rd, Conard Cir, Chris Ln, Laurel Branch Rd, Walker Calhoun Rd, Dills Rd, Seven Clans Ln | $99,500 | $90,000 | $100,000-$125,000 | $94,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $562 |
| Superior Protection Discount | -$59 | $595 |
| Fire & Security Discount | -$46 | $608 |
| Hail Resistant Roof Discount | -$20 | $634 |
| Newly Constructed Home Discount | -$163 | $490 |
| 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 |
| Swain County | $700 | $674 | $1,374 | $489 | $1,189 | $184 |
| Charleston, NC | $700 | $646 | $1,346 | $469 | $1,169 | $177 |
| Savannah, NC | $500 | $866 | $1,366 | $630 | $1,130 | $237 |
| Mountain, NC | $1,000 | $1,136 | $2,136 | $826 | $1,826 | $311 |
| Franklin, NC | $200 | $681 | $881 | $495 | $695 | $186 |
| Cecil, NC | $2,000 | $905 | $2,905 | $658 | $2,658 | $247 |
| Hamburg, NC | $500 | $1,337 | $1,837 | $971 | $1,471 | $365 |
| East Fork, NC | $2,000 | $1,032 | $3,032 | $750 | $2,750 | $282 |
| Seymour, TN | $300 | $877 | $1,177 | $637 | $937 | $240 |
| Eagleton Village, TN | $1,000 | $924 | $1,924 | $671 | $1,671 | $252 |
| Catheys Creek, NC | $400 | $972 | $1,372 | $707 | $1,107 | $266 |
| Mascot, TN | $2,500 | $905 | $3,405 | $658 | $3,158 | $247 |
| Home Insurance Company Charleston, NC | Homeowners Insurance Agency Charleston, NC | Address | Popularity Score | Distance from Charleston (miles) |
|---|---|---|---|---|
| Travelers | Webb Insurance | 216 Asheland Avenue, Asheville, NC, 28801 | 44.6 | |
| Allstate | Bill Shytle | 2170 Hendersonville Rd, Arden, NC, 28704 | 46.6 | |
| Liberty Mutual Independent | Madison Insurance Group | 26 S Main St, Mars Hill, NC, 28754 | 48.8 | |
| Allstate | Myra Mente | 36 Marsh Lily Dr, Sylva, NC, 28779 | 13.5 | |
| State Farm | Wayne Smith | 268 New Leicester Hwy, Asheville, NC, 28806-2019 | 41.1 | |
| Nationwide | Titmus Agency Llc | 38 South Main Street, Marshall, NC, 28753 | 41.1 | |
| Allstate | Donnie Andrews | 255 Smokey Park Hwy, Asheville, NC, 28806 | 40.3 | |
| Travelers | Carolina Insurance Group | 151 Everett St, Bryson City, NC, 28713 | 9.9 | |
| State Farm | Augie Tammariello | 1334 Patton Ave Unit 130, Asheville, NC, 28806-2611 | 41.9 | |
| Travelers | Wayah Insurance Group | 472 Carolina Way, Highlands, NC, 28741 | 35.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $630 | $1,270 | $640 |
| Swain County, NC | $122,300 | $682 | $500 | $960 | $460 |
| Charleston, NC | $116,000 | $654 | $470 | $930 | $460 |
| Savannah, NC | $156,500 | $877 | $610 | $1,210 | $600 |
| Mountain, NC | $241,300 | $1,150 | $790 | $1,620 | $830 |
| Franklin, NC | $142,600 | $690 | $460 | $950 | $490 |
| Cecil, NC | $167,000 | $916 | $650 | $1,250 | $600 |
| Hamburg, NC | $311,500 | $1,353 | $960 | $1,850 | $890 |
| East Fork, NC | $205,500 | $1,045 | $700 | $1,490 | $790 |
| Seymour, TN | $156,600 | $888 | $640 | $1,230 | $590 |
| Eagleton Village, TN | $116,900 | $935 | $670 | $1,280 | $610 |
| Catheys Creek, NC | $186,600 | $984 | $700 | $1,390 | $690 |
| Mascot, TN | $111,800 | $916 | $630 | $1,290 | $660 |