Gavop tells you how to get the best homeowners insurance in Lower Creek, NC by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $96,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $147,500 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $149,000 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $308,000 | $290,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $545 |
| Superior Protection Discount | -$58 | $584 |
| Fire & Security Discount | -$58 | $584 |
| Hail Resistant Roof Discount | -$19 | $623 |
| Newly Constructed Home Discount | -$128 | $513 |
| 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 |
| Caldwell County | $1,500 | $657 | $2,157 | $478 | $1,978 | $180 |
| Lower Creek, NC | $2,500 | $634 | $3,134 | $461 | $2,961 | $173 |
| Caldwell County, NC | $300 | $657 | $957 | $478 | $778 | $180 |
| Smoky Creek, NC | $2,000 | $657 | $2,657 | $477 | $2,477 | $180 |
| Connelly Springs, NC | $100 | $605 | $705 | $439 | $539 | $165 |
| Moravian Falls, NC | $1,500 | $824 | $2,324 | $599 | $2,099 | $225 |
| Bald Mountain, NC | $400 | $1,213 | $1,613 | $882 | $1,282 | $332 |
| Beech Mountain, NC | $2,500 | $1,174 | $3,674 | $853 | $3,353 | $321 |
| Golden Valley, NC | $500 | $694 | $1,194 | $504 | $1,004 | $190 |
| Marion, NC | $700 | $614 | $1,314 | $446 | $1,146 | $168 |
| Traphill, NC | $300 | $561 | $861 | $408 | $708 | $153 |
| Crowders Mountain, NC | $700 | $615 | $1,315 | $447 | $1,147 | $168 |
| Home Insurance Company Lower Creek, NC | Homeowners Insurance Agency Lower Creek, NC | Address | Popularity Score | Distance from Lower Creek (miles) |
|---|---|---|---|---|
| Erie | Morrow Insurance & Associates | 155a S Eastway Drive, Troutman, NC, 28166 | 37.9 | |
| Allstate | Robert Chester | 610 Jetton St Ste 180, Davidson, NC, 28036 | 46.8 | |
| Nationwide | Carney Insurance Agency Inc | 190 Jackson St, Davidson, NC, 28036 | 47.4 | |
| Travelers | Mace Insurance Agency Llc | 1119 Shiloh Church Road Suite K, Hickory, NC, 28601 | 13.6 | |
| State Farm | Sheryl Hill | 110 Charleston Drive, Mooresville, NC, 28117-7703 | 42.5 | |
| State Farm | Steve Strange | 710 Blowing Rock Blvd, Lenoir, NC, 28645-3708 | 2.2 | |
| State Farm | David Jernigan | 503 W Fleming Dr, Morganton, NC, 28655-3923 | 17.9 | |
| State Farm | Marty Zirkle | 1429 E Marion St Ste 8, Shelby, NC, 28150-4946 | 44.9 | |
| State Farm | Jeff Butler | 1413 29th Avenue Dr Ne, Hickory, NC, 28601-7323 | 16.1 | |
| Allstate | Alan Carpenter | 110 W King St Ste 3, Kings Mountain, NC, 28086 | 49.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $610 | $1,270 | $660 |
| Caldwell County, NC | $112,400 | $665 | $470 | $940 | $470 |
| Lower Creek, NC | $129,200 | $642 | $440 | $900 | $460 |
| Caldwell County, NC | $112,400 | $665 | $470 | $910 | $440 |
| Smoky Creek, NC | $108,200 | $665 | $470 | $940 | $470 |
| Connelly Springs, NC | $97,900 | $612 | $420 | $860 | $440 |
| Moravian Falls, NC | $145,600 | $834 | $560 | $1,140 | $580 |
| Bald Mountain, NC | $268,600 | $1,228 | $900 | $1,760 | $860 |
| Beech Mountain, NC | $254,600 | $1,188 | $860 | $1,700 | $840 |
| Golden Valley, NC | $115,600 | $702 | $510 | $960 | $450 |
| Marion, NC | $108,700 | $621 | $430 | $860 | $430 |
| Traphill, NC | $89,700 | $568 | $390 | $780 | $390 |
| Crowders Mountain, NC | $109,000 | $622 | $420 | $860 | $440 |