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27917, NC Home Insurance

In the zip code of 27917, the population size is around 658, which consists of 249 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Barco, NC. A few years ago, a study was done and found that the average home insurance rates for North Carolina are around $913 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 27917 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Barco. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-866-918-3404 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Barco, NC Homeowners Insurance Online Rates Today!

27917 Home Insurance Average Premiums

Local 27917 homeowners insurance quotes comparison

$663 /yr.

Shows Zip Code: 27917 lowest rates with discounts applied on average.

For the 27917, 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)
$663 /yr.
Average Coverage:$913 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1213 /yr.

What is the average home insurance cost for a home in 27917?

  • • The average homeowners insurance premium paid annually for a home in 27917 is around $913 per year.

What does it cost on average per month for home insurance in 27917?

  • • Homeowners in 27917 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 27917?

  • • Autoowners in 27917 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 Barco area, check out other zip codes nearby 27917.
Review average rates in another zip code:
27917 homeowners insurance rates

Home Replacement Cost Coverage in 27917

Average Building Cost Per Square Foot in 27917: $135

Location: Barco, North Carolina (Currituck County)

Average Square Footage in 27917: 2,436 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 27917 before you start any project. Barco 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 27917 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 27917 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,436 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 Barco 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$1352,436$328,800
Additional Upgrades & Added Features$1692,436$411,000
Major Home Updates or Advancements$2032,436$493,200

It's important to understand that when you estimate your replacement cost of your home in the 27917 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 27917

Best Home & Auto Insurance Agencies in 27917

Housing Demographics for 27917

Population Review for 27917 Zip Code

For the city of Barco, the population within 27917 has increased to over 612 residents in population size. The current population total is 658. We have broken down the population based on race below. In 27917, there are over 326 in male population and 332 females.

PopulationValues
Total Population658
White Population401
Black Population166
Hispanic Population30
Asian Population4
Hawaiian Population0
Indian Population1
Other Population20
Male Population326
Female Population332
Population Estimate612

Household Data for 27917

The average number of homes in 27917 is around 249, there are an average of 2.42 per household. The average house value according to local real estate values is around $328,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode249
Persons Per Household2.42
Average House Value$328,800
Income Per Household$48261
Median Age42.9
Median Age Male40.4
Median Age Female46.4
27917 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code252
CityBarco
City Alias NameBARCO
CountyCurrituck
County FIPS053
State FIPS37
Time Zone5
Day Light SavingY
MSA5720
PMSA
CSA545
CBSA47260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameVirginia Beach-Chesapeake-Norfolk, VA-NC
MSA_NameNorfolk-Virginia Beach-Newport News, VA-NC
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses22
Number Of Employees231
Business First Quarter Payroll1403
Business Annual Payroll7538
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1671683
CBSA Division Population0
Congressional District03
Congressional LandArea7810.08
Delivery Residential253
Delivery Business36
Delivery Total359
Preferred Last Line KeyY14773
Classification Code
Multi-County
CSA NameVirginia Beach-Chesapeake, VA-NC
CBSA_DIV_Name
City State KeyY14773
Land Area19.741000
Water Area4.170000
City Alias Code
City Mixed CaseBarco
City Alias Mixed CaseBarco
Box Count54
SFDU140
MFDU0
State ANSI37
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number360528
Unique ZIP Name
SSA State County Code34251
Medicare CBSA Code47260
Medicare CBSA NameVirginia Beach-Norfolk-Newport News, VA-NC
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseCurrituck

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,” […]