Gavop shows you how to buy homeowners insurance in O'Neals, 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 | $46,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $104,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $144,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $186,000 | $180,000 | $150,000-$175,000 |
| 5 Bedroom | $246,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $539 |
| Superior Protection Discount | -$66 | $598 |
| Fire & Security Discount | -$73 | $592 |
| Hail Resistant Roof Discount | -$13 | $652 |
| Newly Constructed Home Discount | -$173 | $492 |
| 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 |
| Johnston County | $2,500 | $818 | $3,318 | $595 | $3,095 | $224 |
| O'Neals, NC | $1,500 | $657 | $2,157 | $477 | $1,977 | $180 |
| Zebulon, NC | $500 | $821 | $1,321 | $597 | $1,097 | $224 |
| Wendell, NC | $1,500 | $693 | $2,193 | $504 | $2,004 | $189 |
| Wilson Mills, NC | $500 | $652 | $1,152 | $474 | $974 | $178 |
| Little River, NC | $2,500 | $734 | $3,234 | $534 | $3,034 | $201 |
| Brogden, NC | $200 | $853 | $1,053 | $620 | $820 | $233 |
| Seven Springs, NC | $2,000 | $452 | $2,452 | $328 | $2,328 | $123 |
| Falcon, NC | $100 | $657 | $757 | $477 | $577 | $180 |
| Warrenton, NC | $1,000 | $853 | $1,853 | $620 | $1,620 | $233 |
| Granville County, NC | $100 | $801 | $901 | $582 | $682 | $219 |
| Contentnea Neck, NC | $1,500 | $501 | $2,001 | $364 | $1,864 | $137 |
| Home Insurance Company O'Neals, NC | Homeowners Insurance Agency O'Neals, NC | Address | Popularity Score | Distance from O'Neals (miles) |
|---|---|---|---|---|
| State Farm | Marc Ingram | 614 N Arendell Ave, Zebulon, NC, 27597-2302 | 9.3 | |
| Travelers | Carolina Insurance Alliance | 1140 Kildaire Farm Rd Ste Ste 104, Cary, NC, 27511 | 30.9 | |
| State Farm | Jana Lake | 2421a Airport Blvd Nw, Wilson, NC, 27896-9696 | 15.7 | |
| Liberty Mutual Independent | John Hackney Agency Inc | 3700 Nash St. Nw, Wilson, NC, 27896 | 17.5 | |
| Allstate | Todd Mendler | 1215 Jones Franklin Rd Ste 205, Raleigh, NC, 27606 | 27.8 | |
| State Farm | Jerome Murray | 8410 Louisburg Rd Ste 100, Raleigh, NC, 27616-5906 | 20.0 | |
| Erie | Glenn Lewis Insurance Agency Inc. | 1006 N Arendell Avenue Suite 200, Zebulon, NC, 27597 | 9.7 | |
| State Farm | Kevin Garvey | 1750 Nw Maynard Rd Ste 110, Cary, NC, 27513-3402 | 32.3 | |
| Nationwide | Brian Jenkins Agency | 113 Oleander Dr, Clayton, NC, 27527 | 9.9 | |
| Allstate | Thomas Bradshaw | 745 W Johnson St Ste C, Raleigh, NC, 27603 | 23.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $610 | $1,230 | $620 |
| Johnston County, NC | $150,700 | $828 | $590 | $1,180 | $590 |
| O'Neals, NC | $118,500 | $665 | $450 | $950 | $500 |
| Zebulon, NC | $145,000 | $831 | $560 | $1,150 | $590 |
| Wendell, NC | $145,900 | $701 | $480 | $960 | $480 |
| Wilson Mills, NC | $134,300 | $660 | $480 | $940 | $460 |
| Little River, NC | $158,800 | $743 | $510 | $1,030 | $520 |
| Brogden, NC | $87,200 | $864 | $610 | $1,180 | $570 |
| Seven Springs, NC | $70,800 | $457 | $330 | $640 | $310 |
| Falcon, NC | $108,100 | $665 | $470 | $910 | $440 |
| Warrenton, NC | $89,700 | $864 | $610 | $1,200 | $590 |
| Granville County, NC | $146,100 | $811 | $540 | $1,110 | $570 |
| Contentnea Neck, NC | $79,100 | $507 | $340 | $730 | $390 |