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28326, NC Homeowners Insurance Rates

With a population size of 26,061 and with 8,212 occupied homes in the 28326 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Cameron, NC are around $846 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Cameron, North Carolina. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-866-918-3404 so we can help you review rates today!

It's important to know that if your North Carolina home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Cameron, NC.

For North Carolina home insurance information, including average Cameron home insurance rates, coverage options or the different homeowners insurance types, please select Cameron, NC Home Insurance Quotes Now!

28326 Home Insurance Average Premiums

Local 28326 homeowners insurance quotes comparison

$596 /yr.

Shows Zip Code: 28326 lowest rates with discounts applied on average.

For the 28326, 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)
$596 /yr.
Average Coverage:$846 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1146 /yr.

What is the average home insurance cost for a home in 28326?

  • • The average homeowners insurance premium paid annually for a home in 28326 is around $846 per year.

What does it cost on average per month for home insurance in 28326?

  • • Homeowners in 28326 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 28326?

  • • Autoowners in 28326 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 Cameron area, check out other zip codes nearby 28326.
Review average rates in another zip code:
28326 homeowners insurance rates

Home Replacement Cost Coverage in 28326

Average Building Cost Per Square Foot in 28326: $135

Location: Cameron, North Carolina (Harnett County)

Average Square Footage in 28326: 1,410 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28326 before you start any project. Cameron 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 28326 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 28326 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,410 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 Cameron 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$1351,410$190,400
Additional Upgrades & Added Features$1691,410$238,000
Major Home Updates or Advancements$2031,410$285,600

It's important to understand that when you estimate your replacement cost of your home in the 28326 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 28326

Best Home & Auto Insurance Agencies in 28326

Housing Demographics for 28326

Population Review for 28326 Zip Code

For the city of Cameron, the population within 28326 has increased to over 29,056 residents in population size. The current population total is 26,061. We have broken down the population based on race below. In 28326, there are over 12856 in male population and 13205 females.

PopulationValues
Total Population26,061
White Population15587
Black Population5165
Hispanic Population4161
Asian Population417
Hawaiian Population99
Indian Population303
Other Population1463
Male Population12856
Female Population13205
Population Estimate29056

Household Data for 28326

The average number of homes in 28326 is around 8,212, there are an average of 3.16 per household. The average house value according to local real estate values is around $190,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,212
Persons Per Household3.16
Average House Value$190,400
Income Per Household$72545
Median Age30.0
Median Age Male29.2
Median Age Female30.6
28326 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code919/984
CityCameron
City Alias NameCAMERON
CountyHarnett
County FIPS085
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA450
CBSA11360
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAnderson Creek, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses161
Number Of Employees2069
Business First Quarter Payroll12834
Business Annual Payroll56311
Business Employment Flag
Growth Rank22
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number4578
Growth Increase Percentage4.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District09
Congressional LandArea856.93
Delivery Residential9195
Delivery Business173
Delivery Total9538
Preferred Last Line KeyY14935
Classification Code
Multi-CountyY
CSA NameRaleigh-Durham-Cary, NC
CBSA_DIV_Name
City State KeyY14935
Land Area117.726000
Water Area0.712000
City Alias Code
City Mixed CaseCameron
City Alias Mixed CaseCameron
Box Count170
SFDU7619
MFDU230
State ANSI37
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number361152
Unique ZIP Name
SSA State County Code34420
Medicare CBSA Code22180
Medicare CBSA NameFayetteville, NC
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseHarnett

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,” […]