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Check Out 28036 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Davidson, NC.

We will gather some basic information about your home in Davidson, NC and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of North Carolina licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 28036 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 28036

We have pulled together a variety of data related to homeowners insurance in North Carolina. Simply click on one of the links below to learn about the average cost of homeowners insurance in North Carolina as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Davidson, NC home insurance quotes in your local city and review the most competitive coverages and premiums.

28036 Homeowners Insurance Rates, Average Rating: medium!

Homeowners insurance policies in 28036 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in North Carolina is roughly $932. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 28036 homeowners insurance policy!

28036 Home Insurance Average Premiums

Local 28036 homeowners insurance quotes comparison

$682 /yr.

Shows Zip Code: 28036 lowest rates with discounts applied on average.

For the 28036, 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)
$682 /yr.
Average Coverage:$932 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1232 /yr.

What is the average home insurance cost for a home in 28036?

  • • The average homeowners insurance premium paid annually for a home in 28036 is around $932 per year.

What does it cost on average per month for home insurance in 28036?

  • • Homeowners in 28036 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 28036?

  • • Autoowners in 28036 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 Davidson area, check out other zip codes nearby 28036.
Review average rates in another zip code:
28036 homeowners insurance rates

Home Replacement Cost Coverage in 28036

Average Building Cost Per Square Foot in 28036: $135

Location: Davidson, North Carolina (Mecklenburg County)

Average Square Footage in 28036: 3,108 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28036 before you start any project. Davidson 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 28036 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 28036 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,108 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 Davidson 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$1353,108$419,600
Additional Upgrades & Added Features$1693,108$524,500
Major Home Updates or Advancements$2033,108$629,400

It's important to understand that when you estimate your replacement cost of your home in the 28036 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 28036

Best Home & Auto Insurance Agencies in 28036

O'connell- Daniel R

Address: 428 S Main St Davidson, NC 28036
Phone:
Website:
Info:

Nationwide Insurance Companies - Insurance Agents

Address: 190 Jackson St Davidson, NC 28036
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote

Allstate Insurance - David Cash

Address: Kimberly Rd Davidson, NC 28036
Phone:
Website: http://www.allstateagencies.com/DAVECASH/Welcome
Info:

Housing Demographics for 28036

Population Review for 28036 Zip Code

For the city of Davidson, the population within 28036 has increased to over 21,579 residents in population size. The current population total is 21,244. We have broken down the population based on race below. In 28036, there are over 10199 in male population and 11045 females.

PopulationValues
Total Population21,244
White Population17256
Black Population1298
Hispanic Population1296
Asian Population729
Hawaiian Population3
Indian Population72
Other Population455
Male Population10199
Female Population11045
Population Estimate21579

Household Data for 28036

The average number of homes in 28036 is around 7,433, there are an average of 2.61 per household. The average house value according to local real estate values is around $419,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,433
Persons Per Household2.61
Average House Value$419,600
Income Per Household$125938
Median Age39.0
Median Age Male38.5
Median Age Female39.4
28036 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityDavidson
City Alias NameDAVIDSON
CountyMecklenburg
County FIPS119
State FIPS37
Time Zone5
Day Light SavingY
MSA1520
PMSA
CSA172
CBSA16740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCharlotte-Concord-Gastonia, NC-SC
MSA_NameCharlotte-Gastonia-Rock Hill, NC-SC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses508
Number Of Employees7206
Business First Quarter Payroll128373
Business Annual Payroll529129
Business Employment Flag
Growth Rank77
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number24745
Growth Increase Percentage2.7
Metropolitan DetailsValues
CBSA Population1758038
CBSA Division Population0
Congressional District08|10|12
Congressional LandArea4512.78|2575.16|549.66
Delivery Residential8268
Delivery Business292
Delivery Total9554
Preferred Last Line KeyY15119
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15119
Land Area23.428000
Water Area0.627000
City Alias Code
City Mixed CaseDavidson
City Alias Mixed CaseDavidson
Box Count801
SFDU4829
MFDU1460
State ANSI37
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number362000
Unique ZIP Name
SSA State County Code34590
Medicare CBSA Code16740
Medicare CBSA NameCharlotte-Concord-Gastonia, NC-SC
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseMecklenburg

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,” […]