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Homeowners Insurance in 28115

For homeowners living in 28115, you want more affordable home insurance rates in Mooresville, right? Our rates are very competitive for homeowners living in the great city of Mooresville, NC. Many homeowners living in the 28115 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our North Carolina licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 28115 should appear in the zip code field ready to go. Comparing Mooresville, NC Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

28115 Home Insurance Costs Are Considered: Medium!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Mooresville pay around $834 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing North Carolina home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 28115 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Mooresville homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your North Carolina home insurance premium today!

Get 28115 Homeowners Insurance Rates Now!

28115 Home Insurance Average Premiums

Local 28115 homeowners insurance quotes comparison

$584 /yr.

Shows Zip Code: 28115 lowest rates with discounts applied on average.

For the 28115, 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)
$584 /yr.
Average Coverage:$834 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1134 /yr.

What is the average home insurance cost for a home in 28115?

  • • The average homeowners insurance premium paid annually for a home in 28115 is around $834 per year.

What does it cost on average per month for home insurance in 28115?

  • • Homeowners in 28115 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 28115?

  • • Autoowners in 28115 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 Mooresville area, check out other zip codes nearby 28115.
Review average rates in another zip code:
28117 homeowners insurance rates
28115 homeowners insurance rates

Home Replacement Cost Coverage in 28115

Average Building Cost Per Square Foot in 28115: $135

Location: Mooresville, North Carolina (Iredell County)

Average Square Footage in 28115: 1,853 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28115 before you start any project. Mooresville 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 28115 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 28115 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,853 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 Mooresville 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$1351,853$250,200
Additional Upgrades & Added Features$1691,853$312,750
Major Home Updates or Advancements$2031,853$375,300

It's important to understand that when you estimate your replacement cost of your home in the 28115 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 28115

Farm Bureau Insurance of North Carolina

Address: 768 North Broad Street Mooresville, NC 28115
Phone: (704)664-1927
Website: www.ncfbins.com

Charles E. Moore Iii Inc.

Address: 514 Williamson Rd Mooresville, NC 28115
Phone: (704)664-1807
Website:

Central Carolina Insurance Agency

Address: 283 North Church Street Mooresville, NC 28115
Phone: (704)664-3973
Website: www.centralcarolina.com

Central Carolina

Address: 283 N Church St Mooresville, NC 28115
Phone: (704)664-3973
Website: www.centralcarolina.com

Best Home & Auto Insurance Agencies in 28115

Central Carolina

Address: 283 N Church St Mooresville, NC 28115
Phone:
Website: http://www.centralcarolina.com
Info:

Insurance Solutions

Address: 103 N Church St Mooresville, NC 28115
Phone:
Website: http://www.nccycleinsurance.com
Info:

Mooresville Insurance Agency

Address: 347 N Main St Mooresville, NC 28115
Phone:
Website: http://www.mooresville.auto-car-insurance-quote.com
Info:

Allstate Insurance Companies

Address: Southlake Shopping Centre Mooresville, NC 28115
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

Harris- James M

Address: 395 E Plaza Dr Mooresville, NC 28115
Phone:
Website:
Info:

Housing Demographics for 28115

Population Review for 28115 Zip Code

For the city of Mooresville, the population within 28115 has increased to over 48,970 residents in population size. The current population total is 43,413. We have broken down the population based on race below. In 28115, there are over 21216 in male population and 22197 females.

PopulationValues
Total Population43,413
White Population32984
Black Population4669
Hispanic Population3252
Asian Population869
Hawaiian Population27
Indian Population181
Other Population1464
Male Population21216
Female Population22197
Population Estimate48970

Household Data for 28115

The average number of homes in 28115 is around 16,144, there are an average of 2.67 per household. The average house value according to local real estate values is around $250,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,144
Persons Per Household2.67
Average House Value$250,200
Income Per Household$72332
Median Age38.1
Median Age Male36.7
Median Age Female39.5
28115 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityMooresville
City Alias NameMOORESVILLE
CountyIredell
County FIPS097
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA172
CBSA16740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCharlotte-Concord-Gastonia, NC-SC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1038
Number Of Employees12123
Business First Quarter Payroll131721
Business Annual Payroll602051
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|10
Congressional LandArea4512.78|2575.16
Delivery Residential18341
Delivery Business983
Delivery Total19873
Preferred Last Line KeyY15938
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15938
Land Area74.617000
Water Area0.494000
City Alias Code
City Mixed CaseMooresville
City Alias Mixed CaseMooresville
Box Count346
SFDU14239
MFDU573
State ANSI37
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number365208
Unique ZIP Name
SSA State County Code34480
Medicare CBSA Code16740
Medicare CBSA NameCharlotte-Concord-Gastonia, NC-SC
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseIredell

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,” […]