Gavop's guide to buying homeowners insurance in Gaston 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.
| Gaston 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 | |
| Tea Olive Dr, Archwood Dr, Kentwood Dr, Country Way Dr, E Carroll St, Woodhurst Ct, Chronicle Ave, E Maine Ave, Lowland Dairy Rd, Ferguson Estates Rd | $202,500 | $170,000 | $150,000-$175,000 | $175,000 | $140,000 | $175,000-$200,000 |
| Richard Dr, State Rd 2446, N Poplar St, Arc St, 17th St, Clay Ct, Copeland Park, S Lincoln St, Lincoln St, Old Knobbley Oak Dr | $179,500 | $160,000 | $125,000-$150,000 | $74,500 | $60,000 | $75,000-$100,000 |
| Bess Cir, Azalea Trl, State Rd 1658, Sycamore Ave, Ballard St, Marie Dr, Venn Dr, Eastway Dr, Prancer Ln, Lamar Ave | $135,500 | $120,000 | $150,000-$175,000 | $65,500 | $50,000 | $50,000-$75,000 |
| State Rd 1304, Rhyne Springs Rd, State Rd 1848, Flanagans Ln, Old Wagon Rd, Ollis Ln, Beechbrook Dr, E Texas Ave, Armstrong Ford Rd, W Walnut Ave | $76,000 | $70,000 | $75,000-$100,000 | $90,500 | $80,000 | $75,000-$100,000 |
| State Rd 2444, Vernon St, Lamar Dr, Malcolm St, Mary Ave, Aprilia Ln, State Rd 1104, State Rd 2635, 2742, Hummingbird Ln | $134,500 | $110,000 | $125,000-$150,000 | $128,500 | $120,000 | $100,000-$125,000 |
| Sandy Ford Rd, 2863, Meadow St, 2519, 1530, Cove Ave, Marvin St, Hillcrest Rd, Jefferson Ave, Mystic Point Ct | $73,000 | $60,000 | $50,000-$75,000 | $57,000 | $50,000 | $25,000-$50,000 |
| State Rd 2080, State Rd 1890, Timberlane St, N Morris St, Grace St, Trenton Ave, State Rd 2107, State Rd 2837, Amber Crest Dr, Kyle Ct | $156,000 | $130,000 | $150,000-$175,000 | $136,000 | $110,000 | $150,000-$175,000 |
| Sellerstown Rd, Pintail Way, Sarvis Heights Rd, Maggie Lee Ln, Kent St, W Hudson Blvd, 2099, Tarheel Dr, Lochness Dr, Burt Ave | $145,000 | $120,000 | $125,000-$150,000 | $189,000 | $160,000 | $200,000-$250,000 |
| Fords Aly, N Pear St, Oak Dr, Biggerstaff Landfill Rd, W Academy St, S 10th St, Rebel Dr, Alexis Church Rd, Thoroughbred Ct, N Church St | $96,500 | $80,000 | $75,000-$100,000 | $84,500 | $80,000 | $75,000-$100,000 |
| Glenway St, Raby Rd, Candlewick Trl, Holiday Rd, W Woodrow Ave, Houston St, State Rd 2099, Johnston Dr, Ed Wilson Rd, Bentley Ct | $137,500 | $130,000 | $100,000-$125,000 | $85,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $643 |
| Superior Protection Discount | -$67 | $681 |
| Fire & Security Discount | -$60 | $688 |
| Hail Resistant Roof Discount | -$22 | $725 |
| Newly Constructed Home Discount | -$157 | $591 |
| 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 |
| Gaston County | $2,500 | $739 | $3,239 | $537 | $3,037 | $202 |
| Gaston County, NC | $2,000 | $739 | $2,739 | $537 | $2,537 | $202 |
| Huntersville, NC | $200 | $1,132 | $1,332 | $823 | $1,023 | $309 |
| Fallston, NC | $1,500 | $766 | $2,266 | $556 | $2,056 | $209 |
| Casar, NC | $500 | $482 | $982 | $350 | $850 | $132 |
| Kannapolis, NC | $2,500 | $737 | $3,237 | $536 | $3,036 | $201 |
| Hemby Bridge, NC | $400 | $809 | $1,209 | $588 | $988 | $221 |
| Bethlehem, NC | $2,500 | $942 | $3,442 | $684 | $3,184 | $257 |
| China Grove, NC | $500 | $662 | $1,162 | $481 | $981 | $181 |
| Logan Store, NC | $2,000 | $653 | $2,653 | $475 | $2,475 | $178 |
| Salisbury, NC | $500 | $711 | $1,211 | $517 | $1,017 | $194 |
| Spartanburg, SC | $700 | $795 | $1,495 | $578 | $1,278 | $217 |
| Home Insurance Company Gaston County, NC | Homeowners Insurance Agency Gaston County, NC | Address | Popularity Score | Distance from Gaston County (miles) |
|---|---|---|---|---|
| State Farm | Anthony Gallant | 1002 Union Rd Ste 1, Gastonia, NC, 28054-5525 | 3.0 | |
| State Farm | Sarah Harris | 7845 Colony Road Ste C5, Charlotte, NC, 28226-7678 | 24.6 | |
| Erie | Robert D Black Insurance Services | 108 West Catawba Avenue, Mount Holly, NC, 28120 | 9.1 | |
| State Farm | Happy Mullen | 2201 South Blvd Suite 420, Charlotte, NC, 28203-4263 | 18.8 | |
| Travelers | L & L Insurance Agency | 365 N New Hope Rd Ste 2, Gastonia, NC, 28054 | 2.4 | |
| State Farm | Juan Rubio | 9401 Statesville Rd Ste E, Charlotte, NC, 28269-7681 | 19.4 | |
| Travelers | Pegram & Noyes | 4317 A Wilkinson Blvd, Gastonia, NC, 28056 | 4.8 | |
| Allstate | Pat Fogle | 9107 S Tryon St Ste C, Charlotte, NC, 28273 | 17.4 | |
| State Farm | Tom Harman | 7825 Ballantyne Commons, Charlotte, NC, 28277-3175 | 26.3 | |
| Travelers | Baker-Pegram Insurance | 3039 S Blvd Ste D, Charlotte, NC, 28209 | 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 | $610 | $1,260 | $650 |
| Gaston County, NC | $130,700 | $748 | $540 | $1,060 | $520 |
| Gaston County, NC | $130,700 | $748 | $520 | $1,060 | $540 |
| Huntersville, NC | $270,100 | $1,146 | $780 | $1,620 | $840 |
| Fallston, NC | $131,700 | $775 | $520 | $1,090 | $570 |
| Casar, NC | $75,800 | $488 | $360 | $670 | $310 |
| Kannapolis, NC | $130,300 | $746 | $510 | $1,020 | $510 |
| Hemby Bridge, NC | $142,100 | $819 | $550 | $1,140 | $590 |
| Bethlehem, NC | $177,600 | $953 | $700 | $1,350 | $650 |
| China Grove, NC | $119,700 | $671 | $460 | $930 | $470 |
| Logan Store, NC | $107,400 | $661 | $440 | $920 | $480 |
| Salisbury, NC | $124,300 | $720 | $510 | $1,010 | $500 |
| Spartanburg, SC | $121,300 | $805 | $550 | $1,110 | $560 |