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Home Insurance Quotes in 28544

Are you shopping for a cheaper homeowners insurance rate in 28544? Our rates are very competitive for homeowners living in Midway Park, NC. Many homeowners located in the 28544 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 28544. To get free 28544 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 28544 zip code should appear in the zip code field ready to go. Shopping Midway Park, NC Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 28544 to review the best rate coverages.

Your 28544 Home Insurance Costs Is Rated: Medium!

For the great city of Midway Park, the average home insurance premium paid annually is around $824 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our North Carolina specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Midway Park and need insurance on your home in the 28544 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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28544 Home Insurance Average Premiums

Local 28544 homeowners insurance quotes comparison

$574 /yr.

Shows Zip Code: 28544 lowest rates with discounts applied on average.

For the 28544, 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)
$574 /yr.
Average Coverage:$824 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1124 /yr.

What is the average home insurance cost for a home in 28544?

  • • The average homeowners insurance premium paid annually for a home in 28544 is around $824 per year.

What does it cost on average per month for home insurance in 28544?

  • • Homeowners in 28544 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 28544?

  • • Autoowners in 28544 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 Midway Park area, check out other zip codes nearby 28544.
Review average rates in another zip code:
28544 homeowners insurance rates

Home Replacement Cost Coverage in 28544

Average Building Cost Per Square Foot in 28544: $135

Location: Midway Park, North Carolina (Onslow County)

Average Square Footage in 28544: 733 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28544 before you start any project. Midway Park 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 28544 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 28544 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 733 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 Midway Park 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$135733$98,900
Additional Upgrades & Added Features$169733$123,625
Major Home Updates or Advancements$203733$148,350

It's important to understand that when you estimate your replacement cost of your home in the 28544 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 28544

Best Home & Auto Insurance Agencies in 28544

Housing Demographics for 28544

Population Review for 28544 Zip Code

For the city of Midway Park, the population within 28544 has increased to over 6,304 residents in population size. The current population total is 4,283. We have broken down the population based on race below. In 28544, there are over 2076 in male population and 2207 females.

PopulationValues
Total Population4,283
White Population2287
Black Population939
Hispanic Population794
Asian Population79
Hawaiian Population34
Indian Population51
Other Population265
Male Population2076
Female Population2207
Population Estimate6304

Household Data for 28544

The average number of homes in 28544 is around 1,725, there are an average of 2.48 per household. The average house value according to local real estate values is around $98,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,725
Persons Per Household2.48
Average House Value$98,900
Income Per Household$60000
Median Age27.4
Median Age Male26.5
Median Age Female28.1
28544 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeN
City Alias Abbreviation
Area Code910
CityMidway Park
City Alias NameMIDWAY PARK
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 Businesses35
Number Of Employees336
Business First Quarter Payroll1691
Business Annual Payroll7311
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 Residential2542
Delivery Business74
Delivery Total4450
Preferred Last Line Key014330
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key014330
Land Area10.623000
Water Area0.018000
City Alias Code
City Mixed CaseMidway Park
City Alias Mixed CaseMidway Park
Box Count0
SFDU1193
MFDU188
State ANSI37
County ANSI133
ZIP Intro
Alias Intro
Facility CodeN
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

  • 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,” […]