Gavop's guide to buying homeowners insurance in Franklin, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $59,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $184,000 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $215,500 | $200,000 | $175,000-$200,000 |
| 4 Bedroom | $291,000 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $430,500 | $410,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $593 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$48 | $641 |
| Hail Resistant Roof Discount | -$14 | $676 |
| Newly Constructed Home Discount | -$200 | $490 |
| 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 |
| Macon County | $1,000 | $860 | $1,860 | $625 | $1,625 | $235 |
| Franklin, NC | $1,500 | $681 | $2,181 | $495 | $1,995 | $186 |
| Cowee, NC | $400 | $826 | $1,226 | $600 | $1,000 | $226 |
| Shooting Creek, NC | $2,000 | $899 | $2,899 | $653 | $2,653 | $246 |
| Graham County, NC | $400 | $684 | $1,084 | $497 | $897 | $187 |
| Oconee County, SC | $1,000 | $962 | $1,962 | $699 | $1,699 | $263 |
| Cherokee County, NC | $400 | $691 | $1,091 | $502 | $902 | $189 |
| Dunns Rock, NC | $2,000 | $1,179 | $3,179 | $857 | $2,857 | $322 |
| Canton, NC | $100 | $844 | $944 | $613 | $713 | $231 |
| Norris, SC | $2,500 | $702 | $3,202 | $510 | $3,010 | $192 |
| Etowah, NC | $200 | $802 | $1,002 | $583 | $783 | $219 |
| Gumlog, GA | $700 | $918 | $1,618 | $667 | $1,367 | $251 |
| Home Insurance Company Franklin, NC | Homeowners Insurance Agency Franklin, NC | Address | Popularity Score | Distance from Franklin (miles) |
|---|---|---|---|---|
| Travelers | Brevard Insurance Agency Inc | 32 E Jordan St, Brevard, NC, 28712 | 38.3 | |
| Travelers | Wayah Insurance Group | 295 E Palmer St, Franklin, NC, 28744 | 2.0 | |
| State Farm | Clay Dangerfield | 80 Crossroad Hill Rd, Canton, NC, 28716-3703 | 41.2 | |
| Allstate | Dalton Insurance Agency Of The Carolinas | 163 Main St Ste 1, Rosman, NC, 28772 | 32.9 | |
| State Farm | John Hamlin | 129 Commons Dr, Franklin, NC, 28734-4798 | 2.2 | |
| State Farm | Amy Manshack | 409 Georgia Rd, Franklin, NC, 28734-1921 | 1.0 | |
| State Farm | Cindy Rodgers | 1509 Highlands Rd, Franklin, NC, 28734-3502 | 3.0 | |
| State Farm | Meredith Baldridge | 120 E Main St Ste 202, Brevard, NC, 28712 | 38.4 | |
| Allstate | Myra Mente | 36 Marsh Lily Dr, Sylva, NC, 28779 | 17.0 | |
| State Farm | Beth Dunaway | 38 S Main St, Waynesville, NC, 28786-6701 | 32.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $650 | $1,260 | $610 |
| Macon County, NC | $162,000 | $870 | $590 | $1,240 | $650 |
| Franklin, NC | $142,600 | $690 | $490 | $990 | $500 |
| Cowee, NC | $146,200 | $836 | $590 | $1,150 | $560 |
| Shooting Creek, NC | $165,300 | $910 | $630 | $1,300 | $670 |
| Graham County, NC | $124,800 | $692 | $470 | $950 | $480 |
| Oconee County, SC | $153,300 | $973 | $700 | $1,340 | $640 |
| Cherokee County, NC | $145,500 | $700 | $510 | $960 | $450 |
| Dunns Rock, NC | $256,400 | $1,193 | $870 | $1,660 | $790 |
| Canton, NC | $150,600 | $854 | $610 | $1,190 | $580 |
| Norris, SC | $102,900 | $711 | $520 | $1,010 | $490 |
| Etowah, NC | $181,300 | $811 | $580 | $1,150 | $570 |
| Gumlog, GA | $137,000 | $929 | $640 | $1,270 | $630 |