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Are you paying too much for homeowners insurance in 28160? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Spindale, NC that provides all of the protection you need at a price that is affordable.
Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our North Carolina licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.
Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 28160?
- Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
- Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
- Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.
Our service is always free so get started today. Free 28160 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 28160 and get ready to save.
3 Easy Ways To Save Money In 28160
These three links will help you explore home insurance quotes in 28160 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.
Get Your 28160 Home Insurance Costs Rated: medium!
The average price for a homeowners insurance policy in Spindale is roughly $822. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.
If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.
28160 Home Insurance Average Premiums
$572 /yr.
Shows Zip Code: 28160 lowest rates with discounts applied on average.
For the 28160, 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) | $572 /yr. |
| Average Coverage: | $822 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1122 /yr. |
What is the average home insurance cost for a home in 28160?
- • The average homeowners insurance premium paid annually for a home in 28160 is around $822 per year.
What does it cost on average per month for home insurance in 28160?
- • Homeowners in 28160 pay a monthly average cost per month around $69.00.
What kind of discount could I get if I combine my home and auto insurance together in 28160?
- • Autoowners in 28160 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 Spindale area, check out other zip codes nearby 28160.
Review average rates in another zip code:
28160 homeowners insurance rates
Home Replacement Cost Coverage in 28160
Average Building Cost Per Square Foot in 28160: $135
Location: Spindale, North Carolina (Rutherford County)Average Square Footage in 28160: 609 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 28160 before you start any project. Spindale 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 28160 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 28160 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 609 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 Spindale 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $135 | 609 | $82,200 |
| Additional Upgrades & Added Features | $169 | 609 | $102,750 |
| Major Home Updates or Advancements | $203 | 609 | $123,300 |
It's important to understand that when you estimate your replacement cost of your home in the 28160 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 28160
C Ron Giles Agency Inc
Address: 611 East Main Street Spindale, NC 28160Phone: (828)287-4635
Website:
Best Home & Auto Insurance Agencies in 28160
Myers Insurance Agency
Address: 509 E Main St Spindale, NC 28160Phone:
Website:
Info:
Housing Demographics for 28160
Population Review for 28160 Zip Code
For the city of Spindale, the population within 28160 has increased to over 3,865 residents in population size. The current population total is 3,869. We have broken down the population based on race below. In 28160, there are over 2002 in male population and 1867 females.
| Population | Values |
|---|---|
| Total Population | 3,869 |
| White Population | 2552 |
| Black Population | 945 |
| Hispanic Population | 143 |
| Asian Population | 20 |
| Hawaiian Population | 6 |
| Indian Population | 17 |
| Other Population | 61 |
| Male Population | 2002 |
| Female Population | 1867 |
| Population Estimate | 3865 |
Household Data for 28160
The average number of homes in 28160 is around 1,558, there are an average of 2.27 per household. The average house value according to local real estate values is around $82,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,558 |
| Persons Per Household | 2.27 |
| Average House Value | $82,200 |
| Income Per Household | $35578 |
| Median Age | 40.5 |
| Median Age Male | 38.8 |
| Median Age Female | 43.7 |
| 28160 Details | Values |
|---|---|
| State | NC |
| State Full Name | North Carolina |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 828 |
| City | Spindale |
| City Alias Name | SPINDALE |
| County | Rutherford |
| County FIPS | 161 |
| State FIPS | 37 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 22580 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Forest City, NC |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 119 |
| Number Of Employees | 1609 |
| Business First Quarter Payroll | 13330 |
| Business Annual Payroll | 56953 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 67810 |
| CBSA Division Population | 0 |
| Congressional District | 10 |
| Congressional LandArea | 2575.16 |
| Delivery Residential | 1703 |
| Delivery Business | 218 |
| Delivery Total | 2106 |
| Preferred Last Line Key | Y16491 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y16491 |
| Land Area | 5.507000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Spindale |
| City Alias Mixed Case | Spindale |
| Box Count | 134 |
| SFDU | 1410 |
| MFDU | 23 |
| State ANSI | 37 |
| County ANSI | 161 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 367296 |
| Unique ZIP Name | |
| SSA State County Code | 34800 |
| Medicare CBSA Code | 99934 |
| Medicare CBSA Name | Rural Areas in NC |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Rutherford |
North Carolina Homeowners Insurance News & Information
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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, […]
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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 […]
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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%. […]
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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 […]
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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, […]
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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,” […]