Get multiple home insurance quotes in 28083. Our licensed 28083, NC agents are ready to serve you.

28083 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 28083 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Kannapolis, NC. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 28083 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-866-918-3404 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in North Carolina, like average Kannapolis homeowners insurance rates, coverage options or home insurance types, please select Kannapolis, NC Home Insurance Rates Online!

28083 Home Insurance Average Premiums

Local 28083 homeowners insurance quotes comparison

$621 /yr.

Shows Zip Code: 28083 lowest rates with discounts applied on average.

For the 28083, 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)
$621 /yr.
Average Coverage:$871 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1171 /yr.

What is the average home insurance cost for a home in 28083?

  • • The average homeowners insurance premium paid annually for a home in 28083 is around $871 per year.

What does it cost on average per month for home insurance in 28083?

  • • Homeowners in 28083 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 28083?

  • • Autoowners in 28083 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 Kannapolis area, check out other zip codes nearby 28083.
Review average rates in another zip code:
28083 homeowners insurance rates
28081 homeowners insurance rates

Home Replacement Cost Coverage in 28083

Average Building Cost Per Square Foot in 28083: $135

Location: Kannapolis, North Carolina (Cabarrus County)

Average Square Footage in 28083: 1,056 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28083 before you start any project. Kannapolis 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 28083 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 28083 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,056 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 Kannapolis 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$1351,056$142,600
Additional Upgrades & Added Features$1691,056$178,250
Major Home Updates or Advancements$2031,056$213,900

It's important to understand that when you estimate your replacement cost of your home in the 28083 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 28083

Kannapolis General Insurance

Address: 808 Centergrove Rd Kannapolis, NC 28083
Phone: (704)933-2038
Website:

Best Home & Auto Insurance Agencies in 28083

Kannapolis General Insurance

Address: 808 Centergrove Rd Kannapolis, NC 28083
Phone:
Website:
Info:

Direct General Insurance Agency Inc

Address: 2001 N Cannon Blvd Kannapolis, NC 28083
Phone:
Website: http://www.direct-general.com
Info:

Patriot Insurance Agencies

Address: 265 N Cannon Blvd Kannapolis, NC 28083
Phone:
Website:
Info:

Agent

Address: 1473 Dale Earnhardt Blvd Kannapolis, NC 28083
Phone:
Website:
Info:

Gardner Chris D Insurance

Address: 712 N Cannon Blvd Kannapolis, NC 28083
Phone:
Website:
Info:

Housing Demographics for 28083

Population Review for 28083 Zip Code

For the city of Kannapolis, the population within 28083 has increased to over 28,232 residents in population size. The current population total is 25,821. We have broken down the population based on race below. In 28083, there are over 12277 in male population and 13544 females.

PopulationValues
Total Population25,821
White Population14685
Black Population6206
Hispanic Population4045
Asian Population260
Hawaiian Population11
Indian Population154
Other Population2332
Male Population12277
Female Population13544
Population Estimate28232

Household Data for 28083

The average number of homes in 28083 is around 10,117, there are an average of 2.54 per household. The average house value according to local real estate values is around $142,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,117
Persons Per Household2.54
Average House Value$142,600
Income Per Household$51504
Median Age38.1
Median Age Male36.2
Median Age Female39.6
28083 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityKannapolis
City Alias NameKANNAPOLIS
CountyCabarrus
County FIPS025
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 Businesses500
Number Of Employees5049
Business First Quarter Payroll38150
Business Annual Payroll159920
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 Residential11115
Delivery Business749
Delivery Total11805
Preferred Last Line KeyY15660
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15660
Land Area19.998000
Water Area0.493000
City Alias Code
City Mixed CaseKannapolis
City Alias Mixed CaseKannapolis
Box Count0
SFDU9795
MFDU169
State ANSI37
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number364032
Unique ZIP Name
SSA State County Code34120
Medicare CBSA Code16740
Medicare CBSA NameCharlotte-Concord-Gastonia, NC-SC
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseCabarrus

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,” […]