Gavop shows you how to buy homeowners insurance in Oak Island, 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 | $84,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $232,500 | $200,000 | $200,000-$250,000 |
| 3 Bedroom | $246,000 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $507,500 | $480,000 | $400,000-$500,000 |
| 5 Bedroom | $454,500 | $420,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $732 |
| Superior Protection Discount | -$85 | $766 |
| Fire & Security Discount | -$77 | $774 |
| Hail Resistant Roof Discount | -$17 | $834 |
| Newly Constructed Home Discount | -$247 | $604 |
| 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 |
| Brunswick County | $1,000 | $958 | $1,958 | $696 | $1,696 | $262 |
| Oak Island, NC | $1,000 | $841 | $1,841 | $611 | $1,611 | $230 |
| Caswell Beach, NC | $100 | $1,646 | $1,746 | $1,196 | $1,296 | $450 |
| Southport, NC | $2,000 | $1,164 | $3,164 | $846 | $2,846 | $318 |
| Bolivia, NC | $500 | $853 | $1,353 | $620 | $1,120 | $233 |
| Kings Grant, NC | $1,000 | $739 | $1,739 | $537 | $1,537 | $202 |
| Ogden, NC | $300 | $903 | $1,203 | $656 | $956 | $247 |
| Bug Hill, NC | $1,500 | $521 | $2,021 | $378 | $1,878 | $142 |
| Lees, NC | $400 | $501 | $901 | $364 | $764 | $137 |
| Columbus County, NC | $1,000 | $967 | $1,967 | $702 | $1,702 | $264 |
| Hallsboro, NC | $500 | $597 | $1,097 | $434 | $934 | $163 |
| Whiteville, NC | $700 | $589 | $1,289 | $428 | $1,128 | $161 |
| Home Insurance Company Oak Island, NC | Homeowners Insurance Agency Oak Island, NC | Address | Popularity Score | Distance from Oak Island (miles) |
|---|---|---|---|---|
| State Farm | Jonathan Calhoun | 432 Landmark Drive, Wilmington, NC, 28412-6310 | 21.5 | |
| State Farm | Chrystal Fray | 2547 S 17th St Ste C, Wilmington, NC, 28401-7864 | 22.5 | |
| State Farm | Rob Cutting | 432 Eastwood Rd Ste 100, Wilmington, NC, 28403-1873 | 27.2 | |
| Allstate | David Ager | 4837 Carolina Beach Rd Ste 101, Wilmington, NC, 28412 | 20.6 | |
| Travelers | Coastal Insurance | 4625 Main St Hwy17 Business, Shallotte, NC, 28470 | 15.6 | |
| Travelers | Coastal Insurance | 4625 Main St, Shallotte, NC, 28470 | 15.6 | |
| Allstate | Rusty Russ | 4746 Main St, Shallotte, NC, 28459 | 15.8 | |
| State Farm | Kristin Dowdy | 5011 Northside Dr, Shallotte, NC, 28470-4461 | 16.2 | |
| Allstate | Randy Gibson | 413 S College Rd, Wilmington, NC, 28403 | 26.2 | |
| State Farm | Thomas Murphy | 5525 Crlna Bch Rd, Wilmington, NC, 28412-2607 | 18.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $620 | $1,220 | $600 |
| Brunswick County, NC | $194,700 | $970 | $660 | $1,380 | $720 |
| Oak Island, NC | $257,600 | $851 | $620 | $1,170 | $550 |
| Caswell Beach, NC | $396,200 | $1,666 | $1,130 | $2,380 | $1,250 |
| Southport, NC | $251,000 | $1,178 | $840 | $1,640 | $800 |
| Bolivia, NC | $153,100 | $863 | $610 | $1,220 | $610 |
| Kings Grant, NC | $160,000 | $748 | $500 | $1,070 | $570 |
| Ogden, NC | $289,000 | $914 | $630 | $1,310 | $680 |
| Bug Hill, NC | $82,400 | $527 | $360 | $730 | $370 |
| Lees, NC | $79,100 | $507 | $370 | $700 | $330 |
| Columbus County, NC | $85,200 | $978 | $660 | $1,380 | $720 |
| Hallsboro, NC | $96,300 | $604 | $430 | $840 | $410 |
| Whiteville, NC | $103,400 | $596 | $400 | $830 | $430 |