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27823 Homeowners Insurance Quotes & Rates

Enfield residents living within the 2,709 homes available in the zip code of 27823 are shopping online to compare cheaper and more affordable Enfield, NC home insurance rates. In the great city of Enfield, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of North Carolina is around $852 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 27823 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 27823 home insurance rates today! Please give us a call now at 1-866-918-3404. For Enfield, NC Homeowners Insurance Quotes, Click to easily get started!

27823 Home Insurance Average Premiums

Local 27823 homeowners insurance quotes comparison

$602 /yr.

Shows Zip Code: 27823 lowest rates with discounts applied on average.

For the 27823, 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)
$602 /yr.
Average Coverage:$852 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1152 /yr.

What is the average home insurance cost for a home in 27823?

  • • The average homeowners insurance premium paid annually for a home in 27823 is around $852 per year.

What does it cost on average per month for home insurance in 27823?

  • • Homeowners in 27823 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 27823?

  • • Autoowners in 27823 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 Enfield area, check out other zip codes nearby 27823.
Review average rates in another zip code:
27823 homeowners insurance rates

Home Replacement Cost Coverage in 27823

Average Building Cost Per Square Foot in 27823: $135

Location: Enfield, North Carolina (Halifax County)

Average Square Footage in 27823: 437 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 27823 before you start any project. Enfield 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 27823 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 27823 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 437 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 Enfield 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$135437$59,000
Additional Upgrades & Added Features$169437$73,750
Major Home Updates or Advancements$203437$88,500

It's important to understand that when you estimate your replacement cost of your home in the 27823 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 27823

Charles S. Locke Agency

Address: 606 Glenview Rd Enfield, NC 27823
Phone: (252)445-5224
Website:

Best Home & Auto Insurance Agencies in 27823

Charles S. Locke Agency

Address: 606 Glenview Rd Enfield, NC 27823
Phone:
Website:
Info:

Housing Demographics for 27823

Population Review for 27823 Zip Code

For the city of Enfield, the population within 27823 has increased to over 6,624 residents in population size. The current population total is 6,354. We have broken down the population based on race below. In 27823, there are over 3007 in male population and 3347 females.

PopulationValues
Total Population6,354
White Population848
Black Population5018
Hispanic Population112
Asian Population4
Hawaiian Population3
Indian Population211
Other Population83
Male Population3007
Female Population3347
Population Estimate6624

Household Data for 27823

The average number of homes in 27823 is around 2,709, there are an average of 2.34 per household. The average house value according to local real estate values is around $59,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,709
Persons Per Household2.34
Average House Value$59,000
Income Per Household$28004
Median Age47.1
Median Age Male43.6
Median Age Female49.8
27823 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code252
CityEnfield
City Alias NameENFIELD
CountyHalifax
County FIPS083
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA468
CBSA40260
CBSA_DIV
CBSA_TypeMicro
CBSA_NameRoanoke Rapids, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses80
Number Of Employees509
Business First Quarter Payroll3816
Business Annual Payroll17708
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population76790
CBSA Division Population0
Congressional District01
Congressional LandArea5494.28
Delivery Residential2831
Delivery Business113
Delivery Total3331
Preferred Last Line KeyY15261
Classification Code
Multi-County
CSA NameRocky Mount-Wilson-Roanoke Rapids, NC
CBSA_DIV_Name
City State KeyY15261
Land Area183.692000
Water Area0.667000
City Alias Code
City Mixed CaseEnfield
City Alias Mixed CaseEnfield
Box Count293
SFDU2610
MFDU25
State ANSI37
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number362456
Unique ZIP Name
SSA State County Code34410
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CaseHalifax

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,” […]