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Homeowners Insurance in 28105

Getting the most affordable home insurance rates in 28105 just got easier for Matthews, NC home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Matthews. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-866-918-3404 For Matthews, NC Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 28105

When discussing North Carolina homeowners insurance rates, Matthews residents are finding new ways to save time and money by discovering lower rates when they shop online. North Carolina may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 32. Residents that live within the 28105 zipcode are currently paying $818 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Matthews does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

28105 Home Insurance Average Premiums

Local 28105 homeowners insurance quotes comparison

$568 /yr.

Shows Zip Code: 28105 lowest rates with discounts applied on average.

For the 28105, 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)
$568 /yr.
Average Coverage:$818 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1118 /yr.

What is the average home insurance cost for a home in 28105?

  • • The average homeowners insurance premium paid annually for a home in 28105 is around $818 per year.

What does it cost on average per month for home insurance in 28105?

  • • Homeowners in 28105 pay a monthly average cost per month around $68.00.

What kind of discount could I get if I combine my home and auto insurance together in 28105?

  • • Autoowners in 28105 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 Matthews area, check out other zip codes nearby 28105.
Review average rates in another zip code:
28104 homeowners insurance rates
28105 homeowners insurance rates

Home Replacement Cost Coverage in 28105

Average Building Cost Per Square Foot in 28105: $135

Location: Matthews, North Carolina (Mecklenburg County)

Average Square Footage in 28105: 2,181 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28105 before you start any project. Matthews 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 28105 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 28105 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,181 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 Matthews 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$1352,181$294,400
Additional Upgrades & Added Features$1692,181$368,000
Major Home Updates or Advancements$2032,181$441,600

It's important to understand that when you estimate your replacement cost of your home in the 28105 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 28105

Allstate Insurance - Curtis P. Ireland

Address: 130-2d Matthews Station Street Matthews, NC 28105
Phone: (704)846-0488
Website:

Best Home & Auto Insurance Agencies in 28105

Dean Heckle Hill Incorp

Address: 608 Matthews Mint Hill Rd Matthews, NC 28105
Phone:
Website: http://www.dhhi.com
Info:

Allstate Insurance Companies - Sales Offices- Matthews Mint Hill

Address: 3513 Matthews-Mint Hill Rd Matthews, NC 28105
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Freeman Ron Insurance Agency

Address: 3601 Matthews-Mint Hill Rd Matthews, NC 28105
Phone:
Website:
Info:

North Carolina Farm Bureau

Address: 200 W Matthews St Matthews, NC 28105
Phone:
Website: http://www.ncfbins.com
Info: NCFBMIC - North Carolina Farm Bureau Mutual Insurance Company
Welcome to North Carolina Farm Bureau Insurance Group. We provide auto, home, life, and health insurance, with over 900 agents serving you in every county across the state. Some people just make your life better! farm bureau, north carolina, nc, ncfb, mutual, ncfbmic, insurance, auto, automobile, property, renters insurance, liability, property, life insurance, annuities, agent locator, financial planning, car, insurance review

Ireland Agency

Address: 130 Matthews Station St Matthews, NC 28105
Phone:
Website:
Info:

Housing Demographics for 28105

Population Review for 28105 Zip Code

For the city of Matthews, the population within 28105 has increased to over 49,246 residents in population size. The current population total is 44,085. We have broken down the population based on race below. In 28105, there are over 20826 in male population and 23259 females.

PopulationValues
Total Population44,085
White Population29229
Black Population5930
Hispanic Population4737
Asian Population2832
Hawaiian Population23
Indian Population195
Other Population2242
Male Population20826
Female Population23259
Population Estimate49246

Household Data for 28105

The average number of homes in 28105 is around 17,044, there are an average of 2.56 per household. The average house value according to local real estate values is around $294,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,044
Persons Per Household2.56
Average House Value$294,400
Income Per Household$92479
Median Age40.8
Median Age Male39.2
Median Age Female42.1
28105 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityMatthews
City Alias NameMATTHEWS
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 Businesses1570
Number Of Employees20873
Business First Quarter Payroll234859
Business Annual Payroll997884
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|12|14
Congressional LandArea4512.78|549.66|0
Delivery Residential19237
Delivery Business1573
Delivery Total22441
Preferred Last Line KeyY15853
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15853
Land Area23.233000
Water Area0.160000
City Alias Code
City Mixed CaseMatthews
City Alias Mixed CaseMatthews
Box Count0
SFDU12850
MFDU3892
State ANSI37
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number364920
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,” […]