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28167 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 28167 zip code it's important to know that our rates are very competitive for homeowners living in Union Mills, NC. Many homeowners based out of your 28167 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 28167 should appear in the zip code field ready to go. For Union Mills, NC Homeowners Insurance Quotes nearby, we offer the best rates and service.

28167: Average Home Insurance Rates

For homeowners living in the great city of Union Mills, the average homeowners policy is considered medium in comparison to other states. North Carolina premiums are estimated to be around $808 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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28167 Home Insurance Average Premiums

Local 28167 homeowners insurance quotes comparison

$558 /yr.

Shows Zip Code: 28167 lowest rates with discounts applied on average.

For the 28167, 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)
$558 /yr.
Average Coverage:$808 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1108 /yr.

What is the average home insurance cost for a home in 28167?

  • • The average homeowners insurance premium paid annually for a home in 28167 is around $808 per year.

What does it cost on average per month for home insurance in 28167?

  • • Homeowners in 28167 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 28167?

  • • Autoowners in 28167 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 Union Mills area, check out other zip codes nearby 28167.
Review average rates in another zip code:
28167 homeowners insurance rates

Home Replacement Cost Coverage in 28167

Average Building Cost Per Square Foot in 28167: $135

Location: Union Mills, North Carolina (Rutherford County)

Average Square Footage in 28167: 1,347 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28167 before you start any project. Union Mills 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 28167 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 28167 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,347 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 Union Mills 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$1351,347$181,800
Additional Upgrades & Added Features$1691,347$227,250
Major Home Updates or Advancements$2031,347$272,700

It's important to understand that when you estimate your replacement cost of your home in the 28167 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 28167

Best Home & Auto Insurance Agencies in 28167

Housing Demographics for 28167

Population Review for 28167 Zip Code

For the city of Union Mills, the population within 28167 has increased to over 2,932 residents in population size. The current population total is 2,417. We have broken down the population based on race below. In 28167, there are over 1195 in male population and 1222 females.

PopulationValues
Total Population2,417
White Population2128
Black Population160
Hispanic Population43
Asian Population22
Hawaiian Population1
Indian Population9
Other Population20
Male Population1195
Female Population1222
Population Estimate2932

Household Data for 28167

The average number of homes in 28167 is around 1,053, there are an average of 2.27 per household. The average house value according to local real estate values is around $181,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,053
Persons Per Household2.27
Average House Value$181,800
Income Per Household$53219
Median Age51.6
Median Age Male52.2
Median Age Female50.3
28167 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code828
CityUnion Mills
City Alias NameUNION MILLS
CountyRutherford
County FIPS161
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA22580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameForest City, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees87
Business First Quarter Payroll527
Business Annual Payroll2179
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population67810
CBSA Division Population0
Congressional District10|11
Congressional LandArea2575.16|6838.24
Delivery Residential1292
Delivery Business22
Delivery Total2794
Preferred Last Line KeyY16663
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY16663
Land Area73.559000
Water Area0.137000
City Alias Code
City Mixed CaseUnion Mills
City Alias Mixed CaseUnion Mills
Box Count71
SFDU1175
MFDU0
State ANSI37
County ANSI161
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number368040
Unique ZIP Name
SSA State County Code34800
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseRutherford

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,” […]