Gavop's guide to buying homeowners insurance in Hudson, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $49,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $141,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $166,000 | $150,000 | $125,000-$150,000 |
| 4 Bedroom | $241,500 | $200,000 | $250,000-$300,000 |
| 5 Bedroom | $344,500 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $568 |
| Superior Protection Discount | -$60 | $608 |
| Fire & Security Discount | -$60 | $608 |
| Hail Resistant Roof Discount | -$20 | $649 |
| Newly Constructed Home Discount | -$167 | $502 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,513 |
| Hail Damage | $4,806 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $17,054 |
| Home Insurance Company Hudson, NC | Homeowners Insurance Agency Hudson, NC | Address | Popularity Score | Distance from Hudson (miles) |
|---|---|---|---|---|
| Nationwide | Jason Herman Insurance Agency Llc | 103 3rd St Se, Conover, NC, 28613 | 18.0 | |
| State Farm | Kevin Mcmillan | 55 Northwest Blvd, Newton, NC, 28658-3955 | 19.1 | |
| Travelers | Lincoln Insurance Agency Inc | 510 East Main St, Lincolnton, NC, 28092 | 29.1 | |
| State Farm | Andrea Mcdonough | 450 New Market Blvd Ste 1, Boone, NC, 28607-5501 | 27.6 | |
| State Farm | Roger O'Connell | 452 S Main St Ste 100, Davidson, NC, 28036-8095 | 43.2 | |
| Travelers | Parsons Insurance Group Inc | 2204 W Franklin Blvd, Gastonia, NC, 28052 | 43.3 | |
| State Farm | Paul Parker | 1203 E Main St, Lincolnton, NC, 28092-3839 | 29.2 | |
| Nationwide | William Viviano | 101 S Old Statesville Rd Ste B, Huntersville, NC, 28078 | 47.2 | |
| Erie | Turner Houser Insurance Group | 333c E Main Street, Lincolnton, NC, 28092 | 29.1 | |
| State Farm | Steve Owings | 1332 N Bridge St, Elkin, NC, 28621-2304 | 45.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $640 | $1,280 | $640 |
| Caldwell County, NC | $112,400 | $665 | $450 | $910 | $460 |
| Hudson, NC | $119,300 | $669 | $450 | $920 | $470 |
| Rhodhiss, NC | $80,200 | $514 | $380 | $720 | $340 |
| Smoky Creek, NC | $108,200 | $665 | $490 | $920 | $430 |
| Caldwell County, NC | $112,400 | $665 | $460 | $940 | $480 |
| McDowell County, NC | $110,400 | $656 | $480 | $940 | $460 |
| New Castle, NC | $134,100 | $786 | $530 | $1,090 | $560 |
| Bessemer City, NC | $99,000 | $879 | $600 | $1,200 | $600 |
| North Buck Shoals, NC | $116,800 | $707 | $490 | $980 | $490 |
| Eagle Mills, NC | $120,500 | $725 | $490 | $1,030 | $540 |
| Crowders Mountain, NC | $109,000 | $622 | $420 | $860 | $440 |
| Atwell, NC | $137,700 | $673 | $480 | $960 | $480 |