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28073 Home Insurance Rates

Getting multiple homeowners insurance rates in 28073 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Grover, NC. Many homeowners based out of the 28073 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our North Carolina licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 28073 should appear in the zip code field ready to go. For Grover, NC Home Insurance Quotes, Click to easily get started!

28073 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 28073 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Grover. For a basic HO-3, standard homeowners policy, the average premium per year in North Carolina is around $827. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 28073 zip code today and let us help you save time and money on your homeowners insurance premium.

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28073 Home Insurance Average Premiums

Local 28073 homeowners insurance quotes comparison

$577 /yr.

Shows Zip Code: 28073 lowest rates with discounts applied on average.

For the 28073, 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)
$577 /yr.
Average Coverage:$827 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1127 /yr.

What is the average home insurance cost for a home in 28073?

  • • The average homeowners insurance premium paid annually for a home in 28073 is around $827 per year.

What does it cost on average per month for home insurance in 28073?

  • • Homeowners in 28073 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 28073?

  • • Autoowners in 28073 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 Grover area, check out other zip codes nearby 28073.
Review average rates in another zip code:
28073 homeowners insurance rates

Home Replacement Cost Coverage in 28073

Average Building Cost Per Square Foot in 28073: $135

Location: Grover, North Carolina (Cleveland County)

Average Square Footage in 28073: 848 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28073 before you start any project. Grover 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 28073 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 28073 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 848 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 Grover 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$135848$114,500
Additional Upgrades & Added Features$169848$143,125
Major Home Updates or Advancements$203848$171,750

It's important to understand that when you estimate your replacement cost of your home in the 28073 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 28073

Best Home & Auto Insurance Agencies in 28073

Housing Demographics for 28073

Population Review for 28073 Zip Code

For the city of Grover, the population within 28073 has increased to over 5,363 residents in population size. The current population total is 5,356. We have broken down the population based on race below. In 28073, there are over 2607 in male population and 2749 females.

PopulationValues
Total Population5,356
White Population4085
Black Population840
Hispanic Population189
Asian Population53
Hawaiian Population1
Indian Population18
Other Population94
Male Population2607
Female Population2749
Population Estimate5363

Household Data for 28073

The average number of homes in 28073 is around 2,134, there are an average of 2.51 per household. The average house value according to local real estate values is around $114,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,134
Persons Per Household2.51
Average House Value$114,500
Income Per Household$46625
Median Age41.6
Median Age Male40.2
Median Age Female44.2
28073 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code980/704
CityGrover
City Alias NameGROVER
CountyCleveland
County FIPS045
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA172
CBSA43140
CBSA_DIV
CBSA_TypeMicro
CBSA_NameShelby-Kings Mountain, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses41
Number Of Employees593
Business First Quarter Payroll5635
Business Annual Payroll25868
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population98078
CBSA Division Population0
Congressional District05|10
Congressional LandArea3571.86|2575.16
Delivery Residential2137
Delivery Business57
Delivery Total2529
Preferred Last Line KeyY15475
Classification Code
Multi-County
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15475
Land Area25.722000
Water Area0.052000
City Alias Code
City Mixed CaseGrover
City Alias Mixed CaseGrover
Box Count302
SFDU2077
MFDU0
State ANSI37
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number363256
Unique ZIP Name
SSA State County Code34220
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseCleveland

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,” […]