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27209 Home Insurance Rates

For homeowners living in 27209, the population estimates are increasing to well over 4,016 with 1,399 occupied homes within the zip code of 27209. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Biscoe have increased and the average home insurance premium is around $832 per year in 27209. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 27209 zip code today so we can help you find affordable Biscoe, NC home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 27209

Please select one of the three options below based on your 27209 zip code to learn more about North Carolina homeowners insurance, plus review average rates and information per state, county or city.

  1. North Carolina Homeowners Insurance Quotes
  2. Montgomery County, NC Home Insurance
  3. Biscoe, NC Home Insurance Quotes

27209 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 27209 zip code just got easier with GetHomeInsuranceQuotes.com of Biscoe, NC. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 27209 today and let us help you review the best home insurance quotes available for homeowners living in Biscoe.

Get 27209 Homeowners Insurance Rates Now!

27209 Home Insurance Average Premiums

Local 27209 homeowners insurance quotes comparison

$582 /yr.

Shows Zip Code: 27209 lowest rates with discounts applied on average.

For the 27209, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$582 /yr.
Average Coverage:$832 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1132 /yr.

What is the average home insurance cost for a home in 27209?

  • • The average homeowners insurance premium paid annually for a home in 27209 is around $832 per year.

What does it cost on average per month for home insurance in 27209?

  • • Homeowners in 27209 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 27209?

  • • Autoowners in 27209 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Biscoe area, check out other zip codes nearby 27209.
Review average rates in another zip code:
27209 homeowners insurance rates

Home Replacement Cost Coverage in 27209

Average Building Cost Per Square Foot in 27209: $135

Location: Biscoe, North Carolina (Montgomery County)

Average Square Footage in 27209: 853 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 27209 before you start any project. Biscoe homeowners pay on average around $135 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 27209 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 27209 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 853 sq. ft. and the average cost to rebuild the home in this area is around $135 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Biscoe area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$135853$115,200
Additional Upgrades & Added Features$169853$144,000
Major Home Updates or Advancements$203853$172,800

It's important to understand that when you estimate your replacement cost of your home in the 27209 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 27209

Best Home & Auto Insurance Agencies in 27209

Housing Demographics for 27209

Population Review for 27209 Zip Code

For the city of Biscoe, the population within 27209 has increased to over 3,317 residents in population size. The current population total is 4,016. We have broken down the population based on race below. In 27209, there are over 2021 in male population and 1995 females.

PopulationValues
Total Population4,016
White Population2099
Black Population615
Hispanic Population1379
Asian Population22
Hawaiian Population0
Indian Population36
Other Population960
Male Population2021
Female Population1995
Population Estimate3317

Household Data for 27209

The average number of homes in 27209 is around 1,399, there are an average of 2.79 per household. The average house value according to local real estate values is around $115,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,399
Persons Per Household2.79
Average House Value$115,200
Income Per Household$42886
Median Age37.0
Median Age Male36.3
Median Age Female37.9
27209 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code910
CityBiscoe
City Alias NameBISCOE
CountyMontgomery
County FIPS123
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses93
Number Of Employees1526
Business First Quarter Payroll14987
Business Annual Payroll65399
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District08|09
Congressional LandArea4512.78|856.93
Delivery Residential1189
Delivery Business132
Delivery Total1940
Preferred Last Line KeyY14833
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY14833
Land Area46.711000
Water Area0.148000
City Alias Code
City Mixed CaseBiscoe
City Alias Mixed CaseBiscoe
Box Count576
SFDU1105
MFDU48
State ANSI37
County ANSI123
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number360792
Unique ZIP Name
SSA State County Code34610
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseMontgomery

North Carolina Homeowners Insurance News & Information

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Nationwide Insurance Company Will Not Be Renewing policies for Homeowners in North Carolina Posted on Monday 9th October, 2023

    Nationwide insurance company recently informed the North Carolina Department of Insurance (NCDOI) that it will not be renewing homeowner policies for 10,525 homeowners in North Carolina. Over 1,000 of those non-renewals are in the Dare County, NC. The NCDOI claims that more the half of the non-renewals are based on the “hurricane hazard assessment tool,” […]