Gavop's guide to buying homeowners insurance in Ruffin, 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 | $50,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $82,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $127,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $140,500 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $379,500 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $503 |
| Superior Protection Discount | -$55 | $559 |
| Fire & Security Discount | -$43 | $571 |
| Hail Resistant Roof Discount | -$12 | $602 |
| Newly Constructed Home Discount | -$147 | $466 |
| 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 |
| Rockingham County | $2,500 | $644 | $3,144 | $468 | $2,968 | $176 |
| Ruffin, NC | $2,500 | $606 | $3,106 | $441 | $2,941 | $166 |
| Leasburg, NC | $500 | $667 | $1,167 | $485 | $985 | $182 |
| Center Grove, NC | $1,500 | $1,026 | $2,526 | $746 | $2,246 | $280 |
| Summerfield, NC | $200 | $1,037 | $1,237 | $753 | $953 | $283 |
| Reed Creek, VA | $2,000 | $909 | $2,909 | $660 | $2,660 | $248 |
| Olive Hill, NC | $500 | $693 | $1,193 | $503 | $1,003 | $189 |
| Morehead, NC | $2,000 | $771 | $2,771 | $560 | $2,560 | $211 |
| Union Hall, VA | $100 | $710 | $810 | $516 | $616 | $194 |
| Virgilina, VA | $2,500 | $505 | $3,005 | $367 | $2,867 | $138 |
| Randleman, NC | $500 | $612 | $1,112 | $445 | $945 | $167 |
| Scottsburg, VA | $1,500 | $453 | $1,953 | $329 | $1,829 | $124 |
| Home Insurance Company Ruffin, NC | Homeowners Insurance Agency Ruffin, NC | Address | Popularity Score | Distance from Ruffin (miles) |
|---|---|---|---|---|
| State Farm | Steven Dennis | 1558 Freeway Dr Ste B, Reidsville, NC, 27320-7166 | 10.3 | |
| Travelers | Harry E Bray Insurance | 6926 Old Highway 86 N, Providence, NC, 27315 | 12.3 | |
| Travelers | Harry E Bray Insurance | 6926 Old Nc Hwy 86 N, Providence, NC, 27315 | 12.3 | |
| State Farm | Keith Kepler | 1601 Westover Ter Ste C, Greensboro, NC, 27408-7117 | 28.4 | |
| Allstate | Duane Dahlheimer | 1441 Richardson Dr, Reidsville, NC, 27320 | 9.7 | |
| State Farm | Anne Gundlach | 3411 W Wendover Ave Ste A, Greensboro, NC, 27407-1526 | 31.8 | |
| Allstate | Tom Ficquette | 112 Perkins Dr Ste 600, Chapel Hill, NC, 27514 | 45.3 | |
| Nationwide | Jim Annas Agency Inc. | 3447 Robinhood Rd Suite 207, Winston Salem, NC, 27106-4701 | 47.2 | |
| Erie | Fargis Insurance Services | 232 Gilmer Street Suite 102, Reidsville, NC, 27320 | 8.4 | |
| Nationwide | Daniel J. Zeller | 309 S Main St, Reidsville, NC, 27323-2839 | 8.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $630 | $1,230 | $600 |
| Rockingham County, NC | $109,600 | $652 | $460 | $890 | $430 |
| Ruffin, NC | $107,200 | $614 | $420 | $870 | $450 |
| Leasburg, NC | $110,200 | $675 | $470 | $920 | $450 |
| Center Grove, NC | $344,700 | $1,039 | $700 | $1,460 | $760 |
| Summerfield, NC | $349,000 | $1,049 | $720 | $1,460 | $740 |
| Reed Creek, VA | $99,900 | $920 | $650 | $1,310 | $660 |
| Olive Hill, NC | $115,400 | $701 | $500 | $970 | $470 |
| Morehead, NC | $170,600 | $780 | $540 | $1,120 | $580 |
| Union Hall, VA | $192,400 | $719 | $490 | $1,010 | $520 |
| Virgilina, VA | $91,700 | $511 | $350 | $730 | $380 |
| Randleman, NC | $108,400 | $619 | $410 | $890 | $480 |
| Scottsburg, VA | $82,000 | $458 | $330 | $630 | $300 |