How Can I Make My Charleston, NC Home Insurance Cheaper

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.

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Estimate Appropriate Charleston, NC Home Insurance Coverage Levels | Back to Top

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

Choose the Best Charleston, NC Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job Up to 499 Credit Score $50 to $75,000 2 Pets, Smoker $120
Retired 650-699 Credit Score No Income 1 Pet, Non-Smoker $420
Freelancer 800-850 Credit Score $100 to $150,000 More than 3 Pets at home, Smoker $180

Choose the Right Deductible for your Charleston, NC Home | Back to Top

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
North Carolina $100 $720 $820 $620 $720 $100
Swain County, NC $700 $670 $1,170 $550 $1,250 $-80
Charleston, NC $700 $620 $1,120 $530 $1,230 $-110
Savannah, NC $500 $1,070 $1,570 $890 $1,390 $180
Mountain, NC $1,000 $850 $1,350 $720 $1,720 $-370
Franklin, NC $200 $790 $990 $650 $850 $140
Cecil, NC $2,000 $360 $860 $300 $2,300 $-1,440
Hamburg, NC $500 $980 $1,480 $860 $1,360 $120
East Fork, NC $2,000 $620 $1,120 $540 $2,540 $-1,420
Seymour, TN $300 $750 $1,050 $620 $920 $130
Eagleton Village, TN $1,000 $490 $990 $420 $1,420 $-430
Catheys Creek, NC $400 $740 $1,140 $630 $1,030 $110
Mascot, TN $2,500 $620 $1,120 $520 $3,020 $-1,900

Identify Top Home Insurance Agents near Charleston, NC | Back to Top

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

Compare Rates for Charleston, NC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $710 $520 $970 $450
Swain County, NC $123,900 $680 $460 $950 $490
Charleston, NC $114,700 $610 $410 $850 $440
Savannah, NC $220,600 $1,280 $920 $1,800 $880
Mountain, NC $173,000 $780 $550 $1,100 $550
Franklin, NC $145,700 $820 $580 $1,120 $540
Cecil, NC $89,700 $470 $340 $650 $310
Hamburg, NC $271,200 $1,600 $1,100 $2,260 $1,160
East Fork, NC $122,300 $680 $500 $950 $450
Seymour, TN $152,100 $680 $500 $960 $460
Eagleton Village, TN $113,600 $560 $390 $770 $380
Catheys Creek, NC $143,300 $700 $480 $990 $510
Mascot, TN $117,900 $700 $500 $1,000 $500