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If you live in the 27536 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Henderson have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our NC licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 27536 and then compare quotes from a variety of nationwide insurance companies.

27536 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 27536 the average premium for homeowners coverage is $835 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 27536. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 27536 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Henderson, NC home insurance quotes in your area.

27536 Home Insurance Average Premiums

Local 27536 homeowners insurance quotes comparison

$585 /yr.

Shows Zip Code: 27536 lowest rates with discounts applied on average.

For the 27536, 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)
$585 /yr.
Average Coverage:$835 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1135 /yr.

What is the average home insurance cost for a home in 27536?

  • • The average homeowners insurance premium paid annually for a home in 27536 is around $835 per year.

What does it cost on average per month for home insurance in 27536?

  • • Homeowners in 27536 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 27536?

  • • Autoowners in 27536 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 Henderson area, check out other zip codes nearby 27536.
Review average rates in another zip code:
27536 homeowners insurance rates
27537 homeowners insurance rates

Home Replacement Cost Coverage in 27536

Average Building Cost Per Square Foot in 27536: $135

Location: Henderson, North Carolina (Vance County)

Average Square Footage in 27536: 696 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 27536 before you start any project. Henderson 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 27536 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 27536 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 696 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 Henderson 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$135696$93,900
Additional Upgrades & Added Features$169696$117,375
Major Home Updates or Advancements$203696$140,850

It's important to understand that when you estimate your replacement cost of your home in the 27536 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 27536

Best Home & Auto Insurance Agencies in 27536

Direct General Insurance Inc

Address: 946 W Andrews Ave Henderson, NC 27536
Phone:
Website: http://www.direct-general.com
Info:

Citizens Insurance Agency of Henderson Inc

Address: 106 W Winder St Henderson, NC 27536
Phone:
Website:
Info:

Kempson Sam Insurance Agency

Address: 939 W Andrews Ave Henderson, NC 27536
Phone:
Website:
Info:

Cox- Janet A

Address: 1259 Dabney Dr Henderson, NC 27536
Phone:
Website: http://www.statefarm.com
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Nationwide Insurance CO - Claims Office

Address: 1004 Dabney Dr Henderson, NC 27536
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
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Housing Demographics for 27536

Population Review for 27536 Zip Code

For the city of Henderson, the population within 27536 has increased to over 16,272 residents in population size. The current population total is 15,998. We have broken down the population based on race below. In 27536, there are over 7333 in male population and 8665 females.

PopulationValues
Total Population15,998
White Population4023
Black Population10176
Hispanic Population1373
Asian Population166
Hawaiian Population1
Indian Population63
Other Population935
Male Population7333
Female Population8665
Population Estimate16272

Household Data for 27536

The average number of homes in 27536 is around 6,596, there are an average of 2.37 per household. The average house value according to local real estate values is around $93,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,596
Persons Per Household2.37
Average House Value$93,900
Income Per Household$36835
Median Age39.9
Median Age Male38.4
Median Age Female40.9
27536 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code252
CityHenderson
City Alias NameHENDERSON
CountyVance
County FIPS181
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA450
CBSA25780
CBSA_DIV
CBSA_TypeMicro
CBSA_NameHenderson, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses552
Number Of Employees9176
Business First Quarter Payroll79398
Business Annual Payroll346960
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population45422
CBSA Division Population0
Congressional District01
Congressional LandArea5494.28
Delivery Residential6866
Delivery Business735
Delivery Total10431
Preferred Last Line KeyY15541
Classification Code
Multi-County
CSA NameRaleigh-Durham-Cary, NC
CBSA_DIV_Name
City State KeyY15541
Land Area12.097000
Water Area0.064000
City Alias Code
City Mixed CaseHenderson
City Alias Mixed CaseHenderson
Box Count817
SFDU5533
MFDU870
State ANSI37
County ANSI181
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number363504
Unique ZIP Name
SSA State County Code34900
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID10
County Mixed CaseVance

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,” […]