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Homeowners Insurance in 27545

Getting the most affordable home insurance rates in 27545 just got easier for Knightdale, NC home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Knightdale. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-866-918-3404 For Knightdale, NC Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 27545

When discussing North Carolina homeowners insurance rates, Knightdale residents are finding new ways to save time and money by discovering lower rates when they shop online. North Carolina may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 32. Residents that live within the 27545 zipcode are currently paying $844 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Knightdale does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

27545 Home Insurance Average Premiums

Local 27545 homeowners insurance quotes comparison

$594 /yr.

Shows Zip Code: 27545 lowest rates with discounts applied on average.

For the 27545, 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)
$594 /yr.
Average Coverage:$844 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1144 /yr.

What is the average home insurance cost for a home in 27545?

  • • The average homeowners insurance premium paid annually for a home in 27545 is around $844 per year.

What does it cost on average per month for home insurance in 27545?

  • • Homeowners in 27545 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 27545?

  • • Autoowners in 27545 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 Knightdale area, check out other zip codes nearby 27545.
Review average rates in another zip code:
27545 homeowners insurance rates

Home Replacement Cost Coverage in 27545

Average Building Cost Per Square Foot in 27545: $135

Location: Knightdale, North Carolina (Wake County)

Average Square Footage in 27545: 1,608 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 27545 before you start any project. Knightdale 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 27545 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 27545 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,608 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 Knightdale 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$1351,608$217,100
Additional Upgrades & Added Features$1691,608$271,375
Major Home Updates or Advancements$2031,608$325,650

It's important to understand that when you estimate your replacement cost of your home in the 27545 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 27545

Best Home & Auto Insurance Agencies in 27545

Housing Demographics for 27545

Population Review for 27545 Zip Code

For the city of Knightdale, the population within 27545 has increased to over 35,744 residents in population size. The current population total is 32,567. We have broken down the population based on race below. In 27545, there are over 15385 in male population and 17182 females.

PopulationValues
Total Population32,567
White Population12763
Black Population12345
Hispanic Population5784
Asian Population919
Hawaiian Population28
Indian Population325
Other Population3526
Male Population15385
Female Population17182
Population Estimate35744

Household Data for 27545

The average number of homes in 27545 is around 11,978, there are an average of 2.71 per household. The average house value according to local real estate values is around $217,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,978
Persons Per Household2.71
Average House Value$217,100
Income Per Household$70452
Median Age36.2
Median Age Male34.6
Median Age Female37.6
27545 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code919
CityKnightdale
City Alias NameKNIGHTDALE
CountyWake
County FIPS183
State FIPS37
Time Zone5
Day Light SavingY
MSA6640
PMSA
CSA450
CBSA39580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRaleigh-Cary, NC
MSA_NameRaleigh-Durham-Chapel Hill, NC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses587
Number Of Employees7192
Business First Quarter Payroll66059
Business Annual Payroll283640
Business Employment Flag
Growth Rank49
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number28787
Growth Increase Percentage3.2
Metropolitan DetailsValues
CBSA Population1130490
CBSA Division Population0
Congressional District02|13
Congressional LandArea3246.68|2280.59
Delivery Residential13190
Delivery Business533
Delivery Total14390
Preferred Last Line KeyY15691
Classification Code
Multi-County
CSA NameRaleigh-Durham-Cary, NC
CBSA_DIV_Name
City State KeyY15691
Land Area31.638000
Water Area0.124000
City Alias Code
City Mixed CaseKnightdale
City Alias Mixed CaseKnightdale
Box Count547
SFDU8342
MFDU2148
State ANSI37
County ANSI183
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number364152
Unique ZIP Name
SSA State County Code34910
Medicare CBSA Code39580
Medicare CBSA NameRaleigh-Cary, NC
Medicare CBSA TypeMetro
Market Rating Area ID13
County Mixed CaseWake

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,” […]