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Find the Best Home Insurance Rates in 28150

Shopping for homeowners insurance in 28150 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Shelby, NC and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our North Carolina licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 28150 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 28150

Find Shelby, NC Homeowners Insurance Quotes to review the best coverage options in your area.

28150 Home Insurance Rating is: medium!

In 28150 the average premium is $857. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 28150, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 28150!

28150 Home Insurance Average Premiums

Local 28150 homeowners insurance quotes comparison

$607 /yr.

Shows Zip Code: 28150 lowest rates with discounts applied on average.

For the 28150, 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)
$607 /yr.
Average Coverage:$857 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1157 /yr.

What is the average home insurance cost for a home in 28150?

  • • The average homeowners insurance premium paid annually for a home in 28150 is around $857 per year.

What does it cost on average per month for home insurance in 28150?

  • • Homeowners in 28150 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 28150?

  • • Autoowners in 28150 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 Shelby area, check out other zip codes nearby 28150.
Review average rates in another zip code:
28152 homeowners insurance rates
28150 homeowners insurance rates

Home Replacement Cost Coverage in 28150

Average Building Cost Per Square Foot in 28150: $135

Location: Shelby, North Carolina (Cleveland County)

Average Square Footage in 28150: 1,039 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28150 before you start any project. Shelby 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 28150 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 28150 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,039 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 Shelby 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$1351,039$140,200
Additional Upgrades & Added Features$1691,039$175,250
Major Home Updates or Advancements$2031,039$210,300

It's important to understand that when you estimate your replacement cost of your home in the 28150 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 28150

First Charter Ins Srvcs

Address: 222 N Lafayette St Shelby, NC 28150
Phone: (704)482-3461
Website:

Best Home & Auto Insurance Agencies in 28150

Brackett Insurance Agency Inc - State Farm Insurance Agent

Address: 941 E Marion St Shelby, NC 28150
Phone:
Website: http://www.robinbrackett.net
Info:

First Charter Ins Srvcs

Address: 222 N Lafayette St Shelby, NC 28150
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 407 E Marion St Shelby, NC 28150
Phone:
Website:
Info:

Direct General Insurance Agency Inc

Address: 808 S Dekalb St Shelby, NC 28150
Phone:
Website:
Info:

Housing Demographics for 28150

Population Review for 28150 Zip Code

For the city of Shelby, the population within 28150 has increased to over 29,497 residents in population size. The current population total is 28,517. We have broken down the population based on race below. In 28150, there are over 13670 in male population and 14847 females.

PopulationValues
Total Population28,517
White Population17971
Black Population8096
Hispanic Population1340
Asian Population190
Hawaiian Population7
Indian Population77
Other Population690
Male Population13670
Female Population14847
Population Estimate29497

Household Data for 28150

The average number of homes in 28150 is around 11,775, there are an average of 2.36 per household. The average house value according to local real estate values is around $140,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,775
Persons Per Household2.36
Average House Value$140,200
Income Per Household$41022
Median Age44.5
Median Age Male42.5
Median Age Female46.6
28150 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityShelby
City Alias NameSHELBY
CountyCleveland
County FIPS045
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA172
CBSA43140
CBSA_DIV
CBSA_TypeMicro
CBSA_NameShelby-Kings Mountain, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses753
Number Of Employees12556
Business First Quarter Payroll153795
Business Annual Payroll645454
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population98078
CBSA Division Population0
Congressional District10
Congressional LandArea2575.16
Delivery Residential12499
Delivery Business942
Delivery Total14951
Preferred Last Line KeyY16431
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY16431
Land Area109.485000
Water Area1.452000
City Alias Code
City Mixed CaseShelby
City Alias Mixed CaseShelby
Box Count0
SFDU11077
MFDU219
State ANSI37
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number367024
Unique ZIP Name
SSA State County Code34220
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseCleveland

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,” […]