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Are you paying too much for homeowners insurance in 28430? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Cerro Gordo, 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 28430?

  • 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 28430 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 28430 and get ready to save.

3 Easy Ways To Save Money In 28430

These three links will help you explore home insurance quotes in 28430 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 28430 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Cerro Gordo is roughly $840. 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.

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28430 Home Insurance Average Premiums

Local 28430 homeowners insurance quotes comparison

$590 /yr.

Shows Zip Code: 28430 lowest rates with discounts applied on average.

For the 28430, 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)
$590 /yr.
Average Coverage:$840 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1140 /yr.

What is the average home insurance cost for a home in 28430?

  • • The average homeowners insurance premium paid annually for a home in 28430 is around $840 per year.

What does it cost on average per month for home insurance in 28430?

  • • Homeowners in 28430 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 28430?

  • • Autoowners in 28430 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 Cerro Gordo area, check out other zip codes nearby 28430.
Review average rates in another zip code:
28430 homeowners insurance rates

Home Replacement Cost Coverage in 28430

Average Building Cost Per Square Foot in 28430: $135

Location: Cerro Gordo, North Carolina (Columbus County)

Average Square Footage in 28430: 622 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28430 before you start any project. Cerro Gordo 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 28430 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 28430 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 622 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 Cerro Gordo 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$135622$84,000
Additional Upgrades & Added Features$169622$105,000
Major Home Updates or Advancements$203622$126,000

It's important to understand that when you estimate your replacement cost of your home in the 28430 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 28430

Best Home & Auto Insurance Agencies in 28430

Housing Demographics for 28430

Population Review for 28430 Zip Code

For the city of Cerro Gordo, the population within 28430 has increased to over 1,431 residents in population size. The current population total is 1,522. We have broken down the population based on race below. In 28430, there are over 741 in male population and 781 females.

PopulationValues
Total Population1,522
White Population1237
Black Population187
Hispanic Population57
Asian Population2
Hawaiian Population0
Indian Population25
Other Population29
Male Population741
Female Population781
Population Estimate1431

Household Data for 28430

The average number of homes in 28430 is around 625, there are an average of 2.43 per household. The average house value according to local real estate values is around $84,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode625
Persons Per Household2.43
Average House Value$84,000
Income Per Household$54698
Median Age43.6
Median Age Male41.5
Median Age Female45.3
28430 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code910
CityCerro Gordo
City Alias NameCERRO GORDO
CountyColumbus
County FIPS047
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses13
Number Of Employees56
Business First Quarter Payroll349
Business Annual Payroll1845
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District07
Congressional LandArea6161.77
Delivery Residential589
Delivery Business7
Delivery Total2022
Preferred Last Line KeyY14987
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY14987
Land Area46.926000
Water Area0.049000
City Alias Code
City Mixed CaseCerro Gordo
City Alias Mixed CaseCerro Gordo
Box Count113
SFDU589
MFDU0
State ANSI37
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number361336
Unique ZIP Name
SSA State County Code34230
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseColumbus

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,” […]