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28124 Home Insurance Quotes & Rates

Currently, the 2,632 homes within the 28124 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for North Carolina is around $804 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Mount Pleasant, NC, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 28124.

North Carolina is now ranking #32 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Mount Pleasant home insurance quotes all in one place then GetHomeInsuranceQuotes.com of North Carolina has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 28124 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Mount Pleasant, North Carolina home insurance rates today!

Please give us a call now at 1-866-918-3404, easily get up to 12 rates over the phone in minutes. For Mount Pleasant, NC Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

28124 Home Insurance Average Premiums

Local 28124 homeowners insurance quotes comparison

$554 /yr.

Shows Zip Code: 28124 lowest rates with discounts applied on average.

For the 28124, 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)
$554 /yr.
Average Coverage:$804 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1104 /yr.

What is the average home insurance cost for a home in 28124?

  • • The average homeowners insurance premium paid annually for a home in 28124 is around $804 per year.

What does it cost on average per month for home insurance in 28124?

  • • Homeowners in 28124 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 28124?

  • • Autoowners in 28124 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 Mount Pleasant area, check out other zip codes nearby 28124.
Review average rates in another zip code:
28124 homeowners insurance rates

Home Replacement Cost Coverage in 28124

Average Building Cost Per Square Foot in 28124: $135

Location: Mount Pleasant, North Carolina (Cabarrus County)

Average Square Footage in 28124: 1,532 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28124 before you start any project. Mount Pleasant 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 28124 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 28124 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,532 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 Mount Pleasant 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$1351,532$206,800
Additional Upgrades & Added Features$1691,532$258,500
Major Home Updates or Advancements$2031,532$310,200

It's important to understand that when you estimate your replacement cost of your home in the 28124 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 28124

Best Home & Auto Insurance Agencies in 28124

Mt Pleasant Insurance Agency

Address: 1456 N Main St Mt Pleasant, NC 28124
Phone:
Website:
Info:

Housing Demographics for 28124

Population Review for 28124 Zip Code

For the city of Mount Pleasant, the population within 28124 has increased to over 6,887 residents in population size. The current population total is 6,922. We have broken down the population based on race below. In 28124, there are over 3411 in male population and 3511 females.

PopulationValues
Total Population6,922
White Population6284
Black Population201
Hispanic Population171
Asian Population56
Hawaiian Population0
Indian Population32
Other Population78
Male Population3411
Female Population3511
Population Estimate6887

Household Data for 28124

The average number of homes in 28124 is around 2,632, there are an average of 2.60 per household. The average house value according to local real estate values is around $206,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,632
Persons Per Household2.60
Average House Value$206,800
Income Per Household$69442
Median Age42.5
Median Age Male41.8
Median Age Female43.2
28124 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias AbbreviationMT PLEASANT
Area Code704/980
CityMount Pleasant
City Alias NameMOUNT PLEASANT
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 Businesses146
Number Of Employees905
Business First Quarter Payroll6640
Business Annual Payroll31759
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
Congressional LandArea4512.78
Delivery Residential2649
Delivery Business81
Delivery Total3241
Preferred Last Line KeyY15962
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15962
Land Area58.095000
Water Area0.034000
City Alias Code
City Mixed CaseMount Pleasant
City Alias Mixed CaseMount Pleasant
Box Count393
SFDU2564
MFDU76
State ANSI37
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number365320
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,” […]