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28541 Home Insurance Average Premiums

Local 28541 homeowners insurance quotes comparison

$575 /yr.

Shows Zip Code: 28541 lowest rates with discounts applied on average.

For the 28541, 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)
$575 /yr.
Average Coverage:$825 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1125 /yr.

What is the average home insurance cost for a home in 28541?

  • • The average homeowners insurance premium paid annually for a home in 28541 is around $825 per year.

What does it cost on average per month for home insurance in 28541?

  • • Homeowners in 28541 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 28541?

  • • Autoowners in 28541 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 Jacksonville area, check out other zip codes nearby 28541.
Review average rates in another zip code:
28546 homeowners insurance rates
28540 homeowners insurance rates

Home Replacement Cost Coverage in 28541

Average Building Cost Per Square Foot in 28541: $135

Location: Jacksonville, North Carolina (Onslow County)

Average Square Footage in 28541: 1,222 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28541 before you start any project. Jacksonville 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 28541 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 28541 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,222 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 Jacksonville 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$1351,222$165,000
Additional Upgrades & Added Features$1691,222$206,250
Major Home Updates or Advancements$2031,222$247,500

It's important to understand that when you estimate your replacement cost of your home in the 28541 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 28541

Best Home & Auto Insurance Agencies in 28541

Housing Demographics for 28541

Population Review for 28541 Zip Code

For the city of Jacksonville, the population within 28541 has increased to over 0 residents in population size. The current population total is 0. We have broken down the population based on race below. In 28541, there are over 0 in male population and 0 females.

PopulationValues
Total Population0
White Population0
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population0
Female Population0
Population Estimate0

Household Data for 28541

The average number of homes in 28541 is around 0, there are an average of 0.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode0
Persons Per Household0.00
Average House Value$165,000
Income Per Household$0
Median Age0.0
Median Age Male0.0
Median Age Female0.0
28541 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeZ
City Alias Abbreviation
Area Code910/472
CityJacksonville
City Alias NameJACKSONVILLE
CountyOnslow
County FIPS133
State FIPS37
Time Zone5
Day Light SavingY
MSA3605
PMSA
CSA
CBSA27340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, NC
MSA_NameJacksonville, NC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses17
Number Of Employees208
Business First Quarter Payroll1051
Business Annual Payroll4830
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population177772
CBSA Division Population0
Congressional District03
Congressional LandArea7810.08
Delivery Residential0
Delivery Business0
Delivery Total3546
Preferred Last Line KeyY15633
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY15633
Land Area0.000000
Water Area0.000000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count472
SFDU0
MFDU0
State ANSI37
County ANSI133
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number363928
Unique ZIP Name
SSA State County Code34660
Medicare CBSA Code27340
Medicare CBSA NameJacksonville, NC
Medicare CBSA TypeMetro
Market Rating Area ID15
County Mixed CaseOnslow

North Carolina Homeowners Insurance News & Information

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    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,” […]