Get multiple home insurance quotes in 28018. Our licensed 28018, NC agents are ready to serve you.

28018, NC Home Insurance

In the zip code of 28018, the population size is around 5,320, which consists of 2,205 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Bostic, NC. A few years ago, a study was done and found that the average home insurance rates for North Carolina are around $867 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 28018 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 Bostic. 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 Bostic, NC Homeowners Insurance Online Rates Today!

28018 Home Insurance Average Premiums

Local 28018 homeowners insurance quotes comparison

$617 /yr.

Shows Zip Code: 28018 lowest rates with discounts applied on average.

For the 28018, 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)
$617 /yr.
Average Coverage:$867 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1167 /yr.

What is the average home insurance cost for a home in 28018?

  • • The average homeowners insurance premium paid annually for a home in 28018 is around $867 per year.

What does it cost on average per month for home insurance in 28018?

  • • Homeowners in 28018 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 28018?

  • • Autoowners in 28018 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 Bostic area, check out other zip codes nearby 28018.
Review average rates in another zip code:
28018 homeowners insurance rates

Home Replacement Cost Coverage in 28018

Average Building Cost Per Square Foot in 28018: $135

Location: Bostic, North Carolina (Rutherford County)

Average Square Footage in 28018: 889 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28018 before you start any project. Bostic 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 28018 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 28018 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 889 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 Bostic 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$135889$120,000
Additional Upgrades & Added Features$169889$150,000
Major Home Updates or Advancements$203889$180,000

It's important to understand that when you estimate your replacement cost of your home in the 28018 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 28018

Best Home & Auto Insurance Agencies in 28018

Housing Demographics for 28018

Population Review for 28018 Zip Code

For the city of Bostic, the population within 28018 has increased to over 5,628 residents in population size. The current population total is 5,320. We have broken down the population based on race below. In 28018, there are over 2668 in male population and 2652 females.

PopulationValues
Total Population5,320
White Population4901
Black Population167
Hispanic Population108
Asian Population17
Hawaiian Population1
Indian Population9
Other Population52
Male Population2668
Female Population2652
Population Estimate5628

Household Data for 28018

The average number of homes in 28018 is around 2,205, there are an average of 2.39 per household. The average house value according to local real estate values is around $120,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,205
Persons Per Household2.39
Average House Value$120,000
Income Per Household$50174
Median Age48.3
Median Age Male47.5
Median Age Female49.1
28018 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code828/980/704
CityBostic
City Alias NameBOSTIC
CountyRutherford
County FIPS161
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA22580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameForest City, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses60
Number Of Employees390
Business First Quarter Payroll2704
Business Annual Payroll12748
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population67810
CBSA Division Population0
Congressional District10|11
Congressional LandArea2575.16|6838.24
Delivery Residential2355
Delivery Business87
Delivery Total2754
Preferred Last Line KeyY14871
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY14871
Land Area99.493000
Water Area0.057000
City Alias Code
City Mixed CaseBostic
City Alias Mixed CaseBostic
Box Count279
SFDU2174
MFDU0
State ANSI37
County ANSI161
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number360936
Unique ZIP Name
SSA State County Code34800
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseRutherford

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,” […]