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Quickly Revew Homeowners Insurance in 28621

If you own a home in Elkin, NC you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 28621 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our North Carolina licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 28621 and start comparing rates now.

28621 Homeowners Insurance Rates Are Considered: medium!

The average rate for a standard homeowners policy in 28621 is $873 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 28621 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Elkin, NC home insurance quotes in your local city and review the most competitive coverages and premiums.

28621 Home Insurance Average Premiums

Local 28621 homeowners insurance quotes comparison

$623 /yr.

Shows Zip Code: 28621 lowest rates with discounts applied on average.

For the 28621, 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)
$623 /yr.
Average Coverage:$873 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1173 /yr.

What is the average home insurance cost for a home in 28621?

  • • The average homeowners insurance premium paid annually for a home in 28621 is around $873 per year.

What does it cost on average per month for home insurance in 28621?

  • • Homeowners in 28621 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 28621?

  • • Autoowners in 28621 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 Elkin area, check out other zip codes nearby 28621.
Review average rates in another zip code:
28621 homeowners insurance rates

Home Replacement Cost Coverage in 28621

Average Building Cost Per Square Foot in 28621: $135

Location: Elkin, North Carolina (Surry County)

Average Square Footage in 28621: 970 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28621 before you start any project. Elkin 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 28621 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 28621 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 970 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 Elkin 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$135970$131,000
Additional Upgrades & Added Features$169970$163,750
Major Home Updates or Advancements$203970$196,500

It's important to understand that when you estimate your replacement cost of your home in the 28621 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 28621

Hardy Insurance Agency Inc

Address: 2044 North Bridge Street Elkin, NC 28621
Phone: (336)835-3908
Website:

Af Insurance Service

Address: 227 W Main St Elkin, NC 28621
Phone: (336)835-4060
Website: www.afinsurance.com

Dillon Wynne C

Address: 925 North Bridge Street Elkin, NC 28621
Phone: (336)835-1441
Website:

Cms Llp

Address: 825 N Bridge St Elkin, NC 28621
Phone: (336)835-4288
Website:

A F Insurance Services Inc

Address: 948 Johnson Ridge Road Elkin, NC 28621
Phone: (336)835-4060
Website:

Best Home & Auto Insurance Agencies in 28621

Af Insurance Service

Address: 227 W Main St Elkin, NC 28621
Phone:
Website: http://www.afinsurance.com
Info:

A F Insurance Services Inc

Address: 948 Johnson Ridge Rd Elkin, NC 28621
Phone:
Website:
Info:

Sherry Norman - Allstate Agent

Address: 219 W Main St Elkin, NC 28621
Phone:
Website: http://www.allstateagencies.com/SHERRYNORMAN/Welcome/
Info:

Layne, Bill - Bill Layne Insurance

Address: 512 N Bridge St Elkin, NC 28621
Phone:
Website:
Info:

Dillon, Wynne C - Royall Cox/Northwestern

Address: 925 N Bridge St Elkin, NC 28621
Phone:
Website:
Info:

Housing Demographics for 28621

Population Review for 28621 Zip Code

For the city of Elkin, the population within 28621 has increased to over 10,579 residents in population size. The current population total is 9,952. We have broken down the population based on race below. In 28621, there are over 4679 in male population and 5273 females.

PopulationValues
Total Population9,952
White Population8255
Black Population296
Hispanic Population1255
Asian Population45
Hawaiian Population4
Indian Population19
Other Population803
Male Population4679
Female Population5273
Population Estimate10579

Household Data for 28621

The average number of homes in 28621 is around 4,160, there are an average of 2.34 per household. The average house value according to local real estate values is around $131,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,160
Persons Per Household2.34
Average House Value$131,000
Income Per Household$53535
Median Age45.8
Median Age Male44.3
Median Age Female46.7
28621 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code336/743
CityElkin
City Alias NameELKIN
CountySurry
County FIPS171
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA268
CBSA34340
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMount Airy, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses317
Number Of Employees4813
Business First Quarter Payroll44838
Business Annual Payroll181672
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population73673
CBSA Division Population0
Congressional District05
Congressional LandArea3571.86
Delivery Residential4521
Delivery Business469
Delivery Total5238
Preferred Last Line KeyY15242
Classification Code
Multi-CountyY
CSA NameGreensboro--Winston-Salem--High Point, NC
CBSA_DIV_Name
City State KeyY15242
Land Area67.727000
Water Area0.522000
City Alias Code
City Mixed CaseElkin
City Alias Mixed CaseElkin
Box Count192
SFDU3838
MFDU259
State ANSI37
County ANSI171
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number362368
Unique ZIP Name
SSA State County Code34850
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseSurry

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,” […]