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Homeowners Insurance coverage in 28520

If you are a homeowner in 28520 or Cedar Island, NC you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Cedar Island.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 28520.

Learn more about our homeowners insurance shopping service by selecting the best Cedar Island, NC Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 28520?

Residents of Cedar Island have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in North Carolina? While North Carolina is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, North Carolina comes in at 32 in the country for homeowners insurance premiums.

If you are living in 28520 zipcode, expect to pay around $800 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Cedar Island does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

28520 Home Insurance Average Premiums

Local 28520 homeowners insurance quotes comparison

$550 /yr.

Shows Zip Code: 28520 lowest rates with discounts applied on average.

For the 28520, 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)
$550 /yr.
Average Coverage:$800 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1100 /yr.

What is the average home insurance cost for a home in 28520?

  • • The average homeowners insurance premium paid annually for a home in 28520 is around $800 per year.

What does it cost on average per month for home insurance in 28520?

  • • Homeowners in 28520 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 28520?

  • • Autoowners in 28520 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 Cedar Island area, check out other zip codes nearby 28520.
Review average rates in another zip code:
28520 homeowners insurance rates

Home Replacement Cost Coverage in 28520

Average Building Cost Per Square Foot in 28520: $135

Location: Cedar Island, North Carolina (Carteret County)

Average Square Footage in 28520: 1,186 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28520 before you start any project. Cedar Island 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 28520 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 28520 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,186 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 Cedar Island 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$1351,186$160,100
Additional Upgrades & Added Features$1691,186$200,125
Major Home Updates or Advancements$2031,186$240,150

It's important to understand that when you estimate your replacement cost of your home in the 28520 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 28520

Best Home & Auto Insurance Agencies in 28520

Housing Demographics for 28520

Population Review for 28520 Zip Code

For the city of Cedar Island, the population within 28520 has increased to over 268 residents in population size. The current population total is 254. We have broken down the population based on race below. In 28520, there are over 111 in male population and 143 females.

PopulationValues
Total Population254
White Population246
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population5
Other Population1
Male Population111
Female Population143
Population Estimate268

Household Data for 28520

The average number of homes in 28520 is around 126, there are an average of 2.02 per household. The average house value according to local real estate values is around $160,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode126
Persons Per Household2.02
Average House Value$160,100
Income Per Household$60257
Median Age50.3
Median Age Male57.5
Median Age Female50.2
28520 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code252
CityCedar Island
City Alias NameCEDAR ISLAND
CountyCarteret
County FIPS031
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA404
CBSA33980
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMorehead City, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees24
Business First Quarter Payroll81
Business Annual Payroll383
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population66469
CBSA Division Population0
Congressional District03
Congressional LandArea7810.08
Delivery Residential133
Delivery Business5
Delivery Total184
Preferred Last Line KeyY14977
Classification Code
Multi-County
CSA NameNew Bern-Morehead City, NC
CBSA_DIV_Name
City State KeyY14977
Land Area91.641000
Water Area105.336000
City Alias Code
City Mixed CaseCedar Island
City Alias Mixed CaseCedar Island
Box Count43
SFDU132
MFDU0
State ANSI37
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number361308
Unique ZIP Name
SSA State County Code34150
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID16
County Mixed CaseCarteret

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,” […]