Gavop shows you how to buy homeowners insurance in Sharpes, 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 | $36,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $69,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $81,000 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $185,000 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $105,000 | $100,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $708 |
| Superior Protection Discount | -$86 | $777 |
| Fire & Security Discount | -$95 | $769 |
| Hail Resistant Roof Discount | -$17 | $846 |
| Newly Constructed Home Discount | -$242 | $622 |
| 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 |
| Alexander County | $2,500 | $744 | $3,244 | $540 | $3,040 | $203 |
| Sharpes, NC | $1,500 | $853 | $2,353 | $620 | $2,120 | $233 |
| Alexander County, NC | $100 | $744 | $844 | $540 | $640 | $203 |
| Lower Creek, NC | $1,500 | $634 | $2,134 | $461 | $1,961 | $173 |
| Yadkin Valley, NC | $100 | $788 | $888 | $573 | $673 | $215 |
| Enochville, NC | $2,000 | $693 | $2,693 | $503 | $2,503 | $189 |
| Yadkin College, NC | $500 | $777 | $1,277 | $564 | $1,064 | $212 |
| Foscoe, NC | $2,500 | $1,133 | $3,633 | $824 | $3,324 | $310 |
| South Fork, NC | $300 | $808 | $1,108 | $587 | $887 | $221 |
| Sugar Mountain, NC | $1,000 | $1,183 | $2,183 | $859 | $1,859 | $323 |
| Clifton, NC | $200 | $724 | $924 | $526 | $726 | $198 |
| Helton, NC | $1,500 | $655 | $2,155 | $476 | $1,976 | $179 |
| Home Insurance Company Sharpes, NC | Homeowners Insurance Agency Sharpes, NC | Address | Popularity Score | Distance from Sharpes (miles) |
|---|---|---|---|---|
| State Farm | Happy Mullen | 2201 South Blvd Suite 420, Charlotte, NC, 28203-4263 | 49.9 | |
| Nationwide | Kevin Brewer & Associates Inc. | 8310 University Exec Park Ste 505, Charlotte, NC, 28262-3383 | 45.6 | |
| Erie | Morrow Insurance & Associates | 155a S Eastway Drive, Troutman, NC, 28166 | 17.9 | |
| Travelers | Pegram & Associates Insurance | 3599 South Ridge Ave, Concord, NC, 28025 | 41.6 | |
| Travelers | Davidson Insurance Agency | 1205 Shelby Rd, Kings Mountain, NC, 28086 | 48.8 | |
| State Farm | Lauren Mcdowell | 1933 Jake Alex Blvd W Ste 102, Salisbury, NC, 28147-1157 | 35.3 | |
| State Farm | Aprille Shaffer | 8210 Univ Exec Park Dr Ste 150, Charlotte, NC, 28262 | 45.8 | |
| Allstate | Justin Osborn | 107 Kilson Dr Ste 101, Mooresville, NC, 28117 | 26.4 | |
| State Farm | Mark Husmillo | 10400 Mallard Creek Rd Ste 250, Charlotte, NC, 28262-5202 | 42.8 | |
| Allstate | J C Alvarado | 112 South Tryon Street Suite 300, Charlotte, NC, 28202 | 48.8 |
| 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 | $1,240 | $610 |
| Alexander County, NC | $131,800 | $753 | $510 | $1,070 | $560 |
| Sharpes, NC | $87,200 | $864 | $590 | $1,200 | $610 |
| Alexander County, NC | $131,800 | $753 | $530 | $1,040 | $510 |
| Lower Creek, NC | $129,200 | $642 | $470 | $920 | $450 |
| Yadkin Valley, NC | $136,900 | $798 | $570 | $1,110 | $540 |
| Enochville, NC | $115,500 | $701 | $510 | $1,000 | $490 |
| Yadkin College, NC | $134,200 | $786 | $560 | $1,110 | $550 |
| Foscoe, NC | $240,000 | $1,147 | $790 | $1,620 | $830 |
| South Fork, NC | $141,700 | $818 | $560 | $1,170 | $610 |
| Sugar Mountain, NC | $257,700 | $1,197 | $870 | $1,640 | $770 |
| Clifton, NC | $122,200 | $733 | $500 | $1,020 | $520 |
| Helton, NC | $107,700 | $663 | $460 | $910 | $450 |