Gavop's guide to buying homeowners insurance in Henderson County, 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.
| Henderson County, 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 | |
| Upward Hills Dr, N Carriage Walk Ln, Country Meadows Ln, Old US Hwy 64, Old Village Rd, Brandy Hollow Ln, Fir St, Meadowbrook Ter, Shadowlake Dr, N Park Pl | $206,000 | $190,000 | $175,000-$200,000 | $108,000 | $90,000 | $125,000-$150,000 |
| Berna Knoll Ct, Captains Cir, Co Rd 1346, Winding Way Ln, N Howard Ln, Waxwing Way, Timmie Ln, Edgehill Rd, Windsor Ct, Mill Ridge Dr | $288,500 | $240,000 | $250,000-$300,000 | $136,000 | $120,000 | $125,000-$150,000 |
| Co Rd 1810, Roper Rd, Barnes Ct, Co Rd 1361, Echo Ln, 9th Ave W, E Whisperwood Cir, Roberts Dr, Banks Mountain Dr, White Stone Dr | $312,500 | $280,000 | $250,000-$300,000 | $176,500 | $150,000 | $125,000-$150,000 |
| Carpenters Son Ln, E Pinecrest Dr, Brown Rd, Mallee Ln, Wayside Ln, Poplar Dr, Belvue Ln, Empire Ln, Jeromy Ln, Co Rd 1616 | $125,500 | $110,000 | $125,000-$150,000 | $137,000 | $130,000 | $125,000-$150,000 |
| Co Rd 1374, Forest Garden Dr, Co Rd 1858, Chowan Dr, Majestic View Ct, Tree Frog Ln, Co Rd 1452, Sleepy Creek Ln, Deerwood Ln, Meadowbrook Ct | $249,500 | $230,000 | $250,000-$300,000 | $192,000 | $180,000 | $175,000-$200,000 |
| Co Rd 1188, Allen Rd, Founders Dr, Bluebird Dr, Poplar Ct, Co Rd 1146, 1st Ave W, Haywood Knolls Dr, Briarwood Ln, Co Rd 1144 | $270,000 | $250,000 | $200,000-$250,000 | $209,500 | $180,000 | $200,000-$250,000 |
| Steve Ward St, Gap Creek Rd, Pheasant Run, Co Rd 1424, Co Rd 1381, Presbytery Pl, Co Rd 1629, Gilberts Way, Merry Oaks Ln, Jacobs Apple Ln | $179,000 | $150,000 | $150,000-$175,000 | $128,500 | $110,000 | $100,000-$125,000 |
| Wintry Dr, Greenville Hwy, Edney St, W King St, Co Rd 1249, Crossvine Trl, Daffodil Cove Ln, Lopez Ln, Carson Dr, Belmont Dr | $82,000 | $70,000 | $50,000-$75,000 | $68,500 | $60,000 | $50,000-$75,000 |
| Hoke Ave, Co Rd 1622, Climbing View Ln, Crystal Mountain Dr, N Aliette Ln, Allison Rd, Co Rd 1799, Karo Dr, Sugar Foot Rd, Laurel Cir | $131,500 | $120,000 | $100,000-$125,000 | $106,500 | $100,000 | $100,000-$125,000 |
| Half Way Tree Ln, Emmie Ln, S Sourwood Ln, Furniture Dr, N Mapleton Dr, Oak Path Ln, Pace St, Sky Vista Ln, Savage Ln, Old Mountain Page Rd | $200,000 | $160,000 | $175,000-$200,000 | $131,500 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$174 | $792 |
| Superior Protection Discount | -$87 | $879 |
| Fire & Security Discount | -$106 | $860 |
| Hail Resistant Roof Discount | -$29 | $937 |
| Newly Constructed Home Discount | -$251 | $715 |
| 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 |
| Henderson County | $2,000 | $954 | $2,954 | $693 | $2,693 | $261 |
| Henderson County, NC | $700 | $954 | $1,654 | $693 | $1,393 | $261 |
| East Fork, NC | $100 | $1,032 | $1,132 | $750 | $850 | $282 |
| Lake Junaluska, NC | $1,500 | $1,165 | $2,665 | $847 | $2,347 | $318 |
| Hogback, NC | $200 | $1,012 | $1,212 | $735 | $935 | $276 |
| Camp Creek, NC | $1,500 | $428 | $1,928 | $311 | $1,811 | $117 |
| Arcadia, SC | $400 | $120 | $520 | $87 | $487 | $33 |
| Hamburg, NC | $1,500 | $1,337 | $2,837 | $971 | $2,471 | $365 |
| Fines Creek, NC | $200 | $987 | $1,187 | $717 | $917 | $270 |
| Ellijay, NC | $1,500 | $725 | $2,225 | $527 | $2,027 | $198 |
| West Pelzer, SC | $300 | $571 | $871 | $415 | $715 | $156 |
| Home Insurance Company Henderson County, NC | Homeowners Insurance Agency Henderson County, NC | Address | Popularity Score | Distance from Henderson County (miles) |
|---|---|---|---|---|
| Erie | Pryor Insurance Associates Inc. | 224 S Grove Street Suite M, Hendersonville, NC, 28792 | 2.1 | |
| Travelers | Morrow Insurance Agency | 246 S Main St, Marion, NC, 28752 | 35.7 | |
| State Farm | Jake Morse | 416 Charlotte Rd, Rutherfordton, NC, 28139-2918 | 30.3 | |
| Liberty Mutual Independent | The Williams Company | 1008 Asheville Highway, Hendersonville, NC, 28791 | 1.2 | |
| Liberty Mutual Independent | Dan Gilbert Insurance | 3741 Hendersonville Road, Fletcher, NC, 28732 | 6.6 | |
| State Farm | Meredith Baldridge | 120 E Main St Ste 202, Brevard, NC, 28712 | 16.0 | |
| Nationwide | Hughes Insurance Group Llc | 901 Smokey Park Hwy Unit 65, Candler, NC, 28715 | 17.6 | |
| Erie | Earle Insurance Agency | 1913 Asheville Highway, Hendersonville, NC, 28791 | 0.4 | |
| Allstate | Timothy Hoffman | 155 W Mills St Ste 106, Columbus, NC, 28722 | 16.8 | |
| State Farm | Matt Gambrell | 806 Greenville Hwy, Hendersonvlle, NC, 28792-5725 | 2.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $630 | $1,260 | $630 |
| Henderson County, NC | $193,200 | $966 | $690 | $1,370 | $680 |
| Henderson County, NC | $193,200 | $966 | $650 | $1,380 | $730 |
| East Fork, NC | $205,500 | $1,045 | $720 | $1,450 | $730 |
| Lake Junaluska, NC | $251,400 | $1,179 | $850 | $1,620 | $770 |
| Hogback, NC | $199,100 | $1,024 | $730 | $1,400 | $670 |
| Camp Creek, NC | $66,900 | $433 | $310 | $590 | $280 |
| Arcadia, SC | $30,800 | $121 | $90 | $170 | $80 |
| Hamburg, NC | $311,500 | $1,353 | $920 | $1,850 | $930 |
| Fines Creek, NC | $191,200 | $999 | $710 | $1,430 | $720 |
| Ellijay, NC | $122,500 | $734 | $540 | $1,010 | $470 |
| West Pelzer, SC | $84,300 | $578 | $420 | $790 | $370 |