Gavop shows you how to buy homeowners insurance in Clay County, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $142,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $203,500 | $190,000 | $175,000-$200,000 |
| 4 Bedroom | $306,000 | $280,000 | $250,000-$300,000 |
| 5 Bedroom | $227,000 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $613 |
| Superior Protection Discount | -$66 | $664 |
| Fire & Security Discount | -$80 | $650 |
| Hail Resistant Roof Discount | -$15 | $715 |
| Newly Constructed Home Discount | -$153 | $577 |
| 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 |
| Clay County | $2,000 | $721 | $2,721 | $524 | $2,524 | $197 |
| Clay County, NC | $1,000 | $721 | $1,721 | $524 | $1,524 | $197 |
| Burningtown, NC | $400 | $601 | $1,001 | $437 | $837 | $164 |
| Notla, NC | $1,500 | $769 | $2,269 | $559 | $2,059 | $210 |
| Stecoah, NC | $400 | $886 | $1,286 | $644 | $1,044 | $242 |
| Clarkesville, GA | $700 | $844 | $1,544 | $613 | $1,313 | $231 |
| Clayton, GA | $200 | $797 | $997 | $579 | $779 | $218 |
| Cornelia, GA | $700 | $725 | $1,425 | $527 | $1,227 | $198 |
| Townsend, TN | $200 | $1,188 | $1,388 | $863 | $1,063 | $325 |
| West Union, SC | $1,500 | $666 | $2,166 | $484 | $1,984 | $182 |
| Maggie Valley, NC | $1,000 | $969 | $1,969 | $704 | $1,704 | $265 |
| Home Insurance Company Clay County, NC | Homeowners Insurance Agency Clay County, NC | Address | Popularity Score | Distance from Clay County (miles) |
|---|---|---|---|---|
| State Farm | Amy Manshack | 409 Georgia Rd, Franklin, NC, 28734-1921 | 22.0 | |
| Travelers | Wayah Insurance Group | 295 E Palmer St, Franklin, NC, 28744 | 22.9 | |
| State Farm | Jim Miller | 1504 Andrews Rd, Murphy, NC, 28906-5113 | 15.1 | |
| Travelers | Smith Insurance Services Inc | 60 Woody Hampton Rd, Sylva, NC, 28779 | 38.0 | |
| State Farm | John Hamlin | 129 Commons Dr, Franklin, NC, 28734-4798 | 23.2 | |
| State Farm | Cindy Rodgers | 1509 Highlands Rd, Franklin, NC, 28734-3502 | 24.0 | |
| Travelers | Carolina Insurance Group | 151 Everett St, Bryson City, NC, 28713 | 31.2 | |
| Allstate | Moore Insurance | 157 Highway 64 W, Hayesville, NC, 28904 | 4.2 | |
| Allstate | Myra Mente | 36 Marsh Lily Dr, Sylva, NC, 28779 | 36.2 | |
| Travelers | Wayah Insurance Group | 472 Carolina Way, Highlands, NC, 28741 | 31.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,220 | $570 |
| Clay County, NC | $154,600 | $730 | $520 | $1,010 | $490 |
| Clay County, NC | $154,600 | $730 | $530 | $1,030 | $500 |
| Burningtown, NC | $97,100 | $608 | $440 | $840 | $400 |
| Notla, NC | $132,300 | $778 | $540 | $1,100 | $560 |
| Stecoah, NC | $161,900 | $897 | $650 | $1,250 | $600 |
| Clarkesville, GA | $159,800 | $854 | $590 | $1,200 | $610 |
| Clayton, GA | $144,700 | $806 | $590 | $1,150 | $560 |
| Cornelia, GA | $124,700 | $734 | $490 | $1,010 | $520 |
| Townsend, TN | $220,000 | $1,202 | $830 | $1,720 | $890 |
| West Union, SC | $97,500 | $674 | $480 | $940 | $460 |
| Maggie Valley, NC | $185,800 | $981 | $720 | $1,390 | $670 |