Gavop's guide to buying homeowners insurance in Craven 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.
| Craven 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 | |
| Hinson Ln, Mile Rd, Marina Town Dr, Biddle Rd, Sunset Dr, State Rd 1274, Fort Place Ct, Williams St, State Rd 1485, W Railroad St | $124,000 | $120,000 | $100,000-$125,000 | $99,500 | $80,000 | $75,000-$100,000 |
| Kings Mill Ct, Eissel St, Craven Ct, State Rd 1632, Victory Cir, Gaston Pl, James St, Cabot Cir, Russell Rd, Lanyard Ln | $144,000 | $140,000 | $150,000-$175,000 | $73,000 | $60,000 | $50,000-$75,000 |
| Briarhill Rd, Morgan Swamp Rd, Indian Way, Egert Cir, E Grantham Rd, Helen Ave, Tryon Rd, Leaf Ct, Boros Rd, Teufen Rd | $183,500 | $170,000 | $175,000-$200,000 | $104,000 | $90,000 | $100,000-$125,000 |
| Innisbrook Ct, Butler Ford Rd, W Pleasant Hill Dr, Gracie Farms Rd, Sutton St, Havenwood Ln, Parkwood Ct, Murray St, W Grantham Rd, Cypress St | $94,500 | $90,000 | $75,000-$100,000 | $106,000 | $90,000 | $75,000-$100,000 |
| Pasteur St, Tenella Rd, Edwards Way, Trent Ave, State Rd 1702, Pirates Ln, John Patt Rd, State Rd 1230, Hunters Rd, Shannon Way | $247,000 | $210,000 | $250,000-$300,000 | $140,500 | $120,000 | $150,000-$175,000 |
| Sassafras Dr, State Rd 1249, Whitley St, 1st Ave, State Rd 1795, Hotel Dr, Clermont Rd, Creekside Dr, Norman Rd, Granville Cir | $125,500 | $110,000 | $125,000-$150,000 | $106,000 | $90,000 | $75,000-$100,000 |
| Red Sail Rd, State Rd 1213, Cindy Ln, Baron Point Rd, Bogue Ct, Elizabeth Cir, Shelton Ln, Hill Ct, Woods Run, Alexander Ln | $223,500 | $180,000 | $200,000-$250,000 | $124,500 | $120,000 | $100,000-$125,000 |
| State Rd 1289, Longleaf Ln, Cassowary Ln, High School Dr, State Rd 1407, Clipper Ct, N Grace Ave, South St, Armstrong Ave, Jarvis St | $149,000 | $120,000 | $150,000-$175,000 | $107,500 | $90,000 | $100,000-$125,000 |
| E Thurman Rd, State Rd 1403, Bryan St, Godette School Rd, Speight St, Taylor St, State Rd 1278, S Jackson Dr, H St, Hoke Rd | $99,500 | $90,000 | $100,000-$125,000 | $99,000 | $90,000 | $75,000-$100,000 |
| Craven St, Rustic Ct, Mellen Rd, Brown Dr, State Rd 1360, Pinetree Dr, Rollover Creek Rd, State Rd 1621, Laurel Oak Dr, Sage Close | $268,500 | $250,000 | $250,000-$300,000 | $216,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $706 |
| Superior Protection Discount | -$85 | $766 |
| Fire & Security Discount | -$94 | $757 |
| Hail Resistant Roof Discount | -$17 | $834 |
| Newly Constructed Home Discount | -$213 | $638 |
| 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 |
| Craven County | $2,500 | $840 | $3,340 | $611 | $3,111 | $230 |
| Craven County, NC | $2,000 | $840 | $2,840 | $611 | $2,611 | $230 |
| Grantsboro, NC | $500 | $588 | $1,088 | $427 | $927 | $161 |
| Trenton, NC | $1,000 | $530 | $1,530 | $385 | $1,385 | $145 |
| Havelock, NC | $200 | $671 | $871 | $487 | $687 | $183 |
| Grimesland, NC | $700 | $764 | $1,464 | $555 | $1,255 | $209 |
| Swansboro, NC | $100 | $714 | $814 | $519 | $619 | $195 |
| Bath, NC | $1,500 | $833 | $2,333 | $605 | $2,105 | $228 |
| Ormonds, NC | $300 | $498 | $798 | $362 | $662 | $136 |
| Straits, NC | $2,000 | $919 | $2,919 | $668 | $2,668 | $251 |
| Seven Springs, NC | $200 | $452 | $652 | $328 | $528 | $123 |
| Stump Sound, NC | $1,500 | $803 | $2,303 | $584 | $2,084 | $220 |
| Home Insurance Company Craven County, NC | Homeowners Insurance Agency Craven County, NC | Address | Popularity Score | Distance from Craven County (miles) |
|---|---|---|---|---|
| Travelers | The Insurance Center | 1320 Commerce Drive New Bern, New Bern, NC, 28562 | 1.7 | |
| Travelers | The Insurance Center | 1320 Commerce Dr, New Bern, NC, 28562 | 1.7 | |
| Travelers | Robinson And Stith Insurance | 513 Pollock Street, New Bern, NC, 28562 | 2.4 | |
| Travelers | Jake A Parrott Insurance Agency Inc | 2508 North Herritage St, Kinston, NC, 28501 | 31.0 | |
| Allstate | Gregory Carter | 2419 S Charles St, Greenville, NC, 27858 | 37.3 | |
| State Farm | Dick Lewis | 5317 Hwy 70 W, Morehead City, NC, 28557-4509 | 29.9 | |
| Nationwide | Jonathan Gavigan Agency | 2002 S Glenburnie Rd Executive Sq Ste 5-C, New Bern, NC, 28562 | 1.5 | |
| Travelers | Anchor Lenoir Insurance Agency | 2405-H North Heritage Street, Kinston, NC, 28501 | 31.0 | |
| State Farm | Tom Gingrich | 2713 Highway 70 E, New Bern, NC, 28560 | 5.5 | |
| Travelers | Evans & Associates | 2904 N Herritage St, Kinston, NC, 28501 | 30.9 |
| 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 | $1,270 | $650 |
| Craven County, NC | $156,500 | $851 | $590 | $1,170 | $580 |
| Craven County, NC | $156,500 | $851 | $580 | $1,170 | $590 |
| Grantsboro, NC | $94,700 | $595 | $410 | $840 | $430 |
| Trenton, NC | $84,000 | $536 | $390 | $760 | $370 |
| Havelock, NC | $139,300 | $679 | $470 | $960 | $490 |
| Grimesland, NC | $168,300 | $773 | $560 | $1,060 | $500 |
| Swansboro, NC | $152,300 | $722 | $500 | $990 | $490 |
| Bath, NC | $148,000 | $843 | $610 | $1,150 | $540 |
| Ormonds, NC | $78,500 | $504 | $360 | $720 | $360 |
| Straits, NC | $171,000 | $930 | $620 | $1,320 | $700 |
| Seven Springs, NC | $70,800 | $457 | $310 | $630 | $320 |
| Stump Sound, NC | $181,800 | $813 | $580 | $1,130 | $550 |