Gavop's guide to buying homeowners insurance in Madison 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.
| Madison 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 | |
| Piney Grove Rd, Austin Dr, Wall Rd, Indian Trail Rd, Oak Hill Rd, State Rd 1111, Roberts Br Rd, Max Patch Rd, Old Rd, Beach Glen Rd | $198,000 | $180,000 | $150,000-$175,000 | $139,500 | $120,000 | $125,000-$150,000 |
| Hazel Brook Rd, McDaris Loop, Glory View Ln, State Rd 1570, Kitty Ln, Island Hollow Rd, Ridgeway Dr, Paint Fork Rd, Mashburn Hill Rd, Whitt Branch Rd | $143,000 | $130,000 | $125,000-$150,000 | $165,000 | $150,000 | $150,000-$175,000 |
| Sharp Hollow Rd, Arrington Branch Rd, Hidden Pond Rd, Ivy Trails Rd, State Rd 1314, Chandler Branch Rd, Proffitt Ln, Walker Branch Rd, Solon West Rd, Burns Branch Rd | $216,500 | $190,000 | $175,000-$200,000 | $170,000 | $140,000 | $150,000-$175,000 |
| State Rd 1300, Laurel Ln, Spicewood Trl, Kings Blvd, State Rd 1182, Lonesome Mtn Rd, Shagbark Trl, State Rd 1135, Old US Hwy 25-70, Lance Ave | $136,500 | $130,000 | $125,000-$150,000 | $120,000 | $100,000 | $100,000-$125,000 |
| Turkey Branch Rd, Laurel Valley Rd, Caney Fork Rd, el Miner Dr, Joe Payne Rd, Old Mountain Rd Aka Sr1507, Foster Branch Rd, Newground Rd, State Rd 1399, State Rd 1403 | $257,000 | $230,000 | $250,000-$300,000 | $133,500 | $120,000 | $125,000-$150,000 |
| Bend View Dr, Grant Metcalf Rd, Rice Rd, Lower Gabriel Creek Rd, Sierra Dr, Lindsay Ln, Silver Woods Ln, Old Mountain Rd, Big Brown, Ramsey Bros Rd | $213,500 | $190,000 | $200,000-$250,000 | $172,500 | $150,000 | $175,000-$200,000 |
| Morrow Branch Rd, State Rd 1123, White Water Way, Holcombe Br Rd, Lower Paw Paw Rd, State Rd 1311, Oakley Freeman Rd, Gentry Dr, Hensley Dr, Loung Branch Creek Rd | $147,500 | $140,000 | $125,000-$150,000 | $148,500 | $130,000 | $100,000-$125,000 |
| Rollins Rd, Big Pine Rd, Madisons Ridge Dr, Claude Honeycutt Dr, Ivy Hill Rd, Edwards Rd, Ponder Creek Rd, Pound Mill Rd, Henry Worley Ln, Ramsey Snelson Rd | $190,000 | $180,000 | $175,000-$200,000 | $154,500 | $140,000 | $175,000-$200,000 |
| Firefly Hill Dr, Pollys Branch Rd, US Hwy 25, Hunter Creek Rd, Ras Grooms Rd, Laurel Dr Cemetery Rd, Double Branch Rd, Miller Rd, Caldwell Mountain Rd, Wild Forest Rd | $151,500 | $140,000 | $150,000-$175,000 | $97,500 | $90,000 | $75,000-$100,000 |
| State Hwy 251, Howard Moore Rd, Dogwood Dr, Crossing Ln, Lisenbee Rd, Chimney Rock Dr, Mossridge Rd, Long Branch Rd, Lonesome Mtn Rd, Sunset Blvd | $193,500 | $170,000 | $175,000-$200,000 | $89,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $659 |
| Superior Protection Discount | -$71 | $714 |
| Fire & Security Discount | -$63 | $722 |
| Hail Resistant Roof Discount | -$24 | $761 |
| Newly Constructed Home Discount | -$188 | $596 |
| 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 |
| Madison County | $1,500 | $775 | $2,275 | $563 | $2,063 | $212 |
| Madison County, NC | $2,000 | $775 | $2,775 | $563 | $2,563 | $212 |
| Pensacola, NC | $300 | $918 | $1,218 | $667 | $967 | $251 |
| Black Mountain, NC | $1,500 | $879 | $2,379 | $639 | $2,139 | $240 |
| Balfour, NC | $100 | $873 | $973 | $635 | $735 | $239 |
| Fall Branch, TN | $1,500 | $927 | $2,427 | $673 | $2,173 | $253 |
| Montford Cove, NC | $100 | $714 | $814 | $519 | $619 | $195 |
| Dandridge, TN | $2,500 | $1,068 | $3,568 | $776 | $3,276 | $292 |
| Carter County, TN | $1,500 | $878 | $2,378 | $638 | $2,138 | $240 |
| Church Hill, TN | $300 | $815 | $1,115 | $592 | $892 | $223 |
| Transylvania County, NC | $700 | $981 | $1,681 | $713 | $1,413 | $268 |
| Home Insurance Company Madison County, NC | Homeowners Insurance Agency Madison County, NC | Address | Popularity Score | Distance from Madison County (miles) |
|---|---|---|---|---|
| Travelers | Morrow Insurance Agency | 246 South Main Street, Marion, NC, 28752 | 41.6 | |
| Travelers | Smith Insurance Services Inc | 60 Woody Hampton Rd, Sylva, NC, 28779 | 43.8 | |
| Liberty Mutual Independent | Madison Insurance Group | 26 S Main St, Mars Hill, NC, 28754 | 9.6 | |
| State Farm | Wayne Smith | 268 New Leicester Hwy, Asheville, NC, 28806-2019 | 19.3 | |
| Erie | Avery Kincaid Insurance | 215 Pineola Street, Newland, NC, 28657 | 46.6 | |
| Travelers | Math Insurance Service | 344 Merrimon Ave, Asheville, NC, 28801 | 19.6 | |
| Nationwide | Titmus Agency Llc | 38 South Main Street, Marshall, NC, 28753 | 4.9 | |
| Allstate | Brian Davis | 52 S Main St, Weaverville, NC, 28787 | 14.5 | |
| Travelers | Byrd Insurance Agency Inc | 2370 Us Hwy 221 N Business, Marion, NC, 28752 | 39.3 | |
| Travelers | Math Insurance Service | 344 Merrimon Avenue, Asheville, NC, 28801 | 19.6 |
| 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 | $1,220 | $610 |
| Madison County, NC | $172,200 | $785 | $560 | $1,110 | $550 |
| Madison County, NC | $172,200 | $785 | $530 | $1,080 | $550 |
| Pensacola, NC | $170,800 | $929 | $660 | $1,330 | $670 |
| Black Mountain, NC | $210,200 | $890 | $630 | $1,240 | $610 |
| Balfour, NC | $158,400 | $884 | $610 | $1,210 | $600 |
| Fall Branch, TN | $117,800 | $938 | $630 | $1,300 | $670 |
| Montford Cove, NC | $120,200 | $723 | $510 | $1,030 | $520 |
| Dandridge, TN | $166,000 | $1,081 | $790 | $1,480 | $690 |
| Carter County, TN | $114,600 | $889 | $630 | $1,220 | $590 |
| Church Hill, TN | $130,900 | $825 | $560 | $1,180 | $620 |
| Transylvania County, NC | $202,100 | $993 | $700 | $1,420 | $720 |