Gavop's guide to buying homeowners insurance in Island Creek, 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 | $45,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $64,000 | $50,000 | $75,000-$100,000 |
| 3 Bedroom | $119,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $188,500 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $173,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $531 |
| Superior Protection Discount | -$58 | $589 |
| Fire & Security Discount | -$65 | $583 |
| Hail Resistant Roof Discount | -$13 | $634 |
| Newly Constructed Home Discount | -$136 | $511 |
| 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 |
| Duplin County | $1,000 | $961 | $1,961 | $698 | $1,698 | $263 |
| Island Creek, NC | $1,000 | $640 | $1,640 | $465 | $1,465 | $175 |
| Teachey, NC | $200 | $798 | $998 | $580 | $780 | $218 |
| Pink Hill, NC | $2,000 | $444 | $2,444 | $322 | $2,322 | $121 |
| Caswell, NC | $200 | $614 | $814 | $446 | $646 | $168 |
| Seven Springs, NC | $1,500 | $452 | $1,952 | $328 | $1,828 | $123 |
| Camp Lejeune, NC | $500 | $840 | $1,340 | $611 | $1,111 | $230 |
| Turnbull, NC | $1,500 | $439 | $1,939 | $319 | $1,819 | $120 |
| Beaver Dam, NC | $400 | $661 | $1,061 | $480 | $880 | $181 |
| Wrightsville Beach, NC | $1,000 | $729 | $1,729 | $529 | $1,529 | $199 |
| Stedman, NC | $300 | $861 | $1,161 | $625 | $925 | $235 |
| Cedar Point, NC | $1,500 | $1,337 | $2,837 | $971 | $2,471 | $365 |
| Home Insurance Company Island Creek, NC | Homeowners Insurance Agency Island Creek, NC | Address | Popularity Score | Distance from Island Creek (miles) |
|---|---|---|---|---|
| Allstate | Shane Pate | 1810 N Berkeley Blvd, Goldsboro, NC, 27534 | 41.5 | |
| Allstate | Carlton Insurance Agency | Po Box 625, Warsaw, NC, 28398 | 17.5 | |
| Allstate | Mark Bailey | 1014 Henderson Dr, Jacksonville, NC, 28540 | 28.4 | |
| Erie | Dean Williams Insurance Agency | 311 North Spence Avenue, Goldsboro, NC, 27530 | 40.7 | |
| Liberty Mutual Independent | Butler & Faircloth Inc | 213 E Main St, Clinton, NC, 28328 | 26.9 | |
| Liberty Mutual Independent | Butler & Faircloth Inc | 213 E Main St, Clinton, NC, 28328 | 26.9 | |
| State Farm | Wil Hardy | 809b Hardee Rd, Kinston, NC, 28504-3320 | 38.0 | |
| State Farm | Lisa Jones Johnson | 504 S Norwood St, Wallace, NC, 28466-1620 | 5.4 | |
| Allstate | Tammy Fry | 638 W Corbett Ave, Swansboro, NC, 28584 | 45.9 | |
| State Farm | David Ward | 4818 New Centre Dr, Wilmington, NC, 28403-1618 | 37.5 |
| 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 |
| Duplin County, NC | $88,800 | $973 | $660 | $1,380 | $720 |
| Island Creek, NC | $114,500 | $647 | $460 | $890 | $430 |
| Teachey, NC | $139,400 | $808 | $590 | $1,110 | $520 |
| Pink Hill, NC | $69,500 | $449 | $320 | $640 | $320 |
| Caswell, NC | $99,500 | $621 | $450 | $890 | $440 |
| Seven Springs, NC | $70,800 | $457 | $330 | $630 | $300 |
| Camp Lejeune, NC | $257,500 | $850 | $620 | $1,200 | $580 |
| Turnbull, NC | $68,700 | $444 | $320 | $610 | $290 |
| Beaver Dam, NC | $109,000 | $669 | $450 | $920 | $470 |
| Wrightsville Beach, NC | $759,700 | $737 | $500 | $1,010 | $510 |
| Stedman, NC | $155,000 | $871 | $600 | $1,190 | $590 |
| Cedar Point, NC | $311,700 | $1,353 | $990 | $1,870 | $880 |