Get multiple home insurance quotes in 28173. Our licensed 28173, NC agents are ready to serve you.

Homeowners Insurance in 28173

In Waxhaw, NC, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 28173 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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. Best of all, you can get up to 12 competitive quotes for your home in 28173 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 28173 should appear in the zip code field ready to go.

28173 Homeowners Insurance Rates Are Considered: Medium!

If your looking for a standard homeowners policy in North Carolina, you are going to see rates around the average home insurance premium per year of $727. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Waxhaw home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 28173 Home Insurance Rates Now!

Best 3 Options to Compare in 28173

If you want homeowners insurance quotes within the city of Waxhaw or in the 28173 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Waxhaw, NC.

28173 Home Insurance Average Premiums

Local 28173 homeowners insurance quotes comparison

$477 /yr.

Shows Zip Code: 28173 lowest rates with discounts applied on average.

For the 28173, 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)
$477 /yr.
Average Coverage:$727 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1027 /yr.

What is the average home insurance cost for a home in 28173?

  • • The average homeowners insurance premium paid annually for a home in 28173 is around $727 per year.

What does it cost on average per month for home insurance in 28173?

  • • Homeowners in 28173 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 28173?

  • • Autoowners in 28173 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 Waxhaw area, check out other zip codes nearby 28173.
Review average rates in another zip code:
28173 homeowners insurance rates

Home Replacement Cost Coverage in 28173

Average Building Cost Per Square Foot in 28173: $135

Location: Waxhaw, North Carolina (Union County)

Average Square Footage in 28173: 3,232 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28173 before you start any project. Waxhaw 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 28173 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 28173 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,232 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 Waxhaw 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$1353,232$436,300
Additional Upgrades & Added Features$1693,232$545,375
Major Home Updates or Advancements$2033,232$654,450

It's important to understand that when you estimate your replacement cost of your home in the 28173 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 28173

Best Home & Auto Insurance Agencies in 28173

Nationwide Insurance Companies

Address: E Main St Waxhaw, NC 28173
Phone:
Website:
Info:

Housing Demographics for 28173

Population Review for 28173 Zip Code

For the city of Waxhaw, the population within 28173 has increased to over 72,244 residents in population size. The current population total is 64,144. We have broken down the population based on race below. In 28173, there are over 31564 in male population and 32580 females.

PopulationValues
Total Population64,144
White Population47853
Black Population4709
Hispanic Population4427
Asian Population5086
Hawaiian Population38
Indian Population193
Other Population1190
Male Population31564
Female Population32580
Population Estimate72244

Household Data for 28173

The average number of homes in 28173 is around 19,717, there are an average of 3.25 per household. The average house value according to local real estate values is around $436,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,717
Persons Per Household3.25
Average House Value$436,300
Income Per Household$135541
Median Age39.5
Median Age Male39.0
Median Age Female39.8
28173 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code704/980
CityWaxhaw
City Alias NameWAXHAW
CountyUnion
County FIPS179
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 Businesses1200
Number Of Employees6076
Business First Quarter Payroll52060
Business Annual Payroll254276
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 Residential22229
Delivery Business444
Delivery Total23760
Preferred Last Line KeyY16745
Classification Code
Multi-County
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY16745
Land Area106.328000
Water Area1.357000
City Alias Code
City Mixed CaseWaxhaw
City Alias Mixed CaseWaxhaw
Box Count388
SFDU17790
MFDU0
State ANSI37
County ANSI179
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number368376
Unique ZIP Name
SSA State County Code34890
Medicare CBSA Code16740
Medicare CBSA NameCharlotte-Concord-Gastonia, NC-SC
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseUnion

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,” […]