How Can I Make My Caldwell County, NC Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Caldwell County, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Caldwell County, NC Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $49,000 $50,000 $50,000-$75,000
2 Bedroom $104,500 $100,000 $75,000-$100,000
3 Bedroom $144,500 $130,000 $100,000-$125,000
4 Bedroom $149,500 $130,000 $150,000-$175,000
5 Bedroom $272,500 $230,000 $250,000-$300,000

Choose the Best Caldwell County, NC Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 650-699 Credit Score <$25,000 1 Pet, Smoker $50
Freelancer Up to 499 Credit Score $25 to 50,000 More than 3 Pets at home, Smoker $80
Full Time Job 800-850 Credit Score <$25,000 No Pets, Non-Smoker $290

Choose the Right Deductible for your Caldwell County, NC Home | Back to Top

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
North Carolina $200 $770 $970 $650 $850 $120
Caldwell County, NC $700 $410 $910 $330 $1,030 $-120
Caldwell County, NC $1,500 $450 $950 $370 $1,870 $-920
Hildebran, NC $100 $510 $610 $430 $530 $80
Taylorsville, NC $1,500 $440 $940 $360 $1,860 $-920
Valle Crucis, NC $300 $1,490 $1,790 $1,210 $1,510 $280
Sharpes, NC $2,500 $400 $900 $330 $2,830 $-1,930
Laurel Creek, NC $200 $850 $1,050 $710 $910 $140
North Wilkesboro, NC $700 $550 $1,050 $470 $1,170 $-120
Cane Creek, NC $200 $370 $570 $300 $500 $70
Waco, NC $1,500 $400 $900 $350 $1,850 $-950
Old Fort, NC $300 $380 $680 $320 $620 $60
Green Hill, NC $700 $410 $910 $340 $1,040 $-130

Identify Top Home Insurance Agents near Caldwell County, NC | Back to Top

Home Insurance Company Caldwell County, NC Homeowners Insurance Agency Caldwell County, NC Address Popularity Score Distance from Caldwell County (miles)
Travelers Lincoln Insurance Agency Inc 510 East Main St, Lincolnton, NC, 28092
36.9
State Farm Kevin Mcmillan 55 Northwest Blvd, Newton, NC, 28658-3955
26.2
State Farm Joe Ricci 20315 Knox Rd Ste A, Cornelius, NC, 28031-6586
49.0
Travelers The Gardner Group 2329 Springs Rd Ne, Hickory, NC, 28601
19.8
State Farm Joy Whitlatch 2743 B Nc Hwy 105 S, Boone, NC, 28607
19.6
Erie Kincaid Insurance Agency 102 Mulberry St Nw, Lenoir, NC, 28645
3.0
Erie Turner Houser Insurance Group 333c E Main Street, Lincolnton, NC, 28092
36.9
Erie Brooks Insurance Agency Llc 607 West Trade Street, Dallas, NC, 28034
48.3
State Farm Sally Brooks 491 Williamson Road, Mooresville, NC, 28117
45.6
Liberty Mutual Independent Langtree Insurance Group 229 Medical Park Rd Ste 201, Mooresville, NC, 28117
47.1

Compare Rates for Caldwell County, NC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $680 $480 $960 $480
Caldwell County, NC $107,100 $570 $390 $810 $420
Caldwell County, NC $107,100 $550 $380 $760 $380
Hildebran, NC $112,800 $670 $460 $930 $470
Taylorsville, NC $116,400 $690 $500 $980 $480
Valle Crucis, NC $369,000 $1,550 $1,050 $2,120 $1,070
Sharpes, NC $85,900 $510 $370 $700 $330
Laurel Creek, NC $154,400 $740 $530 $1,030 $500
North Wilkesboro, NC $112,800 $460 $310 $630 $320
Cane Creek, NC $95,900 $530 $370 $750 $380
Waco, NC $85,900 $370 $260 $510 $250
Old Fort, NC $96,500 $570 $420 $790 $370
Green Hill, NC $111,100 $510 $360 $700 $340

7 Ways to Get Discounts on Homeowners Insurance in Caldwell County, NC

What Makes Your Caldwell County, NC Home Insurance Cheap or Expensive