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28079 Home Insurance Rates & Premiums

Did you know there are over 39,051 people living within the 28079 zip code area? There are over 13,234 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 28079.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-866-918-3404, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in North Carolina are on the rise. The estimated average premium is around $865 a year for a standard homeowners insurance policy in Indian Trail. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Indian Trail, NC Homeowners Insurance Quotes Online

28079 Home Insurance Average Premiums

Local 28079 homeowners insurance quotes comparison

$615 /yr.

Shows Zip Code: 28079 lowest rates with discounts applied on average.

For the 28079, 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)
$615 /yr.
Average Coverage:$865 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1165 /yr.

What is the average home insurance cost for a home in 28079?

  • • The average homeowners insurance premium paid annually for a home in 28079 is around $865 per year.

What does it cost on average per month for home insurance in 28079?

  • • Homeowners in 28079 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 28079?

  • • Autoowners in 28079 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 Indian Trail area, check out other zip codes nearby 28079.
Review average rates in another zip code:
28079 homeowners insurance rates

Home Replacement Cost Coverage in 28079

Average Building Cost Per Square Foot in 28079: $135

Location: Indian Trail, North Carolina (Union County)

Average Square Footage in 28079: 1,922 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28079 before you start any project. Indian Trail 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 28079 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 28079 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,922 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 Indian Trail 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$1351,922$259,500
Additional Upgrades & Added Features$1691,922$324,375
Major Home Updates or Advancements$2031,922$389,250

It's important to understand that when you estimate your replacement cost of your home in the 28079 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 28079

Currie Insurance

Address: 3512 Mayhurst Dr Indian Trail, NC 28079
Phone: (704)882-1997
Website:

Best Home & Auto Insurance Agencies in 28079

Currie Insurance

Address: 3512 Mayhurst Dr Indian Trail, NC 28079
Phone:
Website:
Info:

Erie Insurance Group

Address: 4106 Twenty Grand Dr Indian Trail, NC 28079
Phone:
Website:
Info:

Larry S Helms & Assoc Ins

Address: PO Box 27 Indian Trail, NC 28079
Phone:
Website:
Info:

Fireman's Fund Insurance Company

Address: Charlottetown Centre Indian Trail, NC 28079
Phone:
Website:
Info:

Housing Demographics for 28079

Population Review for 28079 Zip Code

For the city of Indian Trail, the population within 28079 has increased to over 46,887 residents in population size. The current population total is 39,051. We have broken down the population based on race below. In 28079, there are over 19042 in male population and 20009 females.

PopulationValues
Total Population39,051
White Population28120
Black Population4289
Hispanic Population4386
Asian Population1088
Hawaiian Population18
Indian Population144
Other Population2010
Male Population19042
Female Population20009
Population Estimate46887

Household Data for 28079

The average number of homes in 28079 is around 13,234, there are an average of 2.94 per household. The average house value according to local real estate values is around $259,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,234
Persons Per Household2.94
Average House Value$259,500
Income Per Household$86692
Median Age38.2
Median Age Male36.6
Median Age Female39.4
28079 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityIndian Trail
City Alias NameINDIAN TRAIL
CountyUnion
County FIPS179
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 Businesses984
Number Of Employees11573
Business First Quarter Payroll115480
Business Annual Payroll536869
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1758038
CBSA Division Population0
Congressional District08|12
Congressional LandArea4512.78|549.66
Delivery Residential15948
Delivery Business893
Delivery Total24072
Preferred Last Line KeyY15616
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15616
Land Area46.605000
Water Area0.385000
City Alias Code
City Mixed CaseIndian Trail
City Alias Mixed CaseIndian Trail
Box Count575
SFDU12387
MFDU521
State ANSI37
County ANSI179
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number363840
Unique ZIP Name
SSA State County Code34890
Medicare CBSA Code16740
Medicare CBSA NameCharlotte-Concord-Gastonia, NC-SC
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseUnion

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,” […]