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Home Insurance in 28626

If your primary reason for shopping for homeowners insurance in the 28626 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Fleetwood, NC. Many homeowners that live in the 28626 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our North Carolina licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 28626 zip code should already appear in the zip code field ready to go. For Fleetwood, NC Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 28626

Homeowners living in the city of Fleetwood are paying on average around $881 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 28626 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. North Carolina home insurance premiums have been recently ranked 32 in the country in terms of the annual cost of premiums. Because premiums in 28626 are lower compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 28626 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Fleetwood. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

28626 Home Insurance Average Premiums

Local 28626 homeowners insurance quotes comparison

$631 /yr.

Shows Zip Code: 28626 lowest rates with discounts applied on average.

For the 28626, 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)
$631 /yr.
Average Coverage:$881 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1181 /yr.

What is the average home insurance cost for a home in 28626?

  • • The average homeowners insurance premium paid annually for a home in 28626 is around $881 per year.

What does it cost on average per month for home insurance in 28626?

  • • Homeowners in 28626 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 28626?

  • • Autoowners in 28626 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 Fleetwood area, check out other zip codes nearby 28626.
Review average rates in another zip code:
28626 homeowners insurance rates

Home Replacement Cost Coverage in 28626

Average Building Cost Per Square Foot in 28626: $135

Location: Fleetwood, North Carolina (Ashe County)

Average Square Footage in 28626: 1,469 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28626 before you start any project. Fleetwood 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 28626 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 28626 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,469 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 Fleetwood 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$1351,469$198,300
Additional Upgrades & Added Features$1691,469$247,875
Major Home Updates or Advancements$2031,469$297,450

It's important to understand that when you estimate your replacement cost of your home in the 28626 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 28626

Best Home & Auto Insurance Agencies in 28626

Housing Demographics for 28626

Population Review for 28626 Zip Code

For the city of Fleetwood, the population within 28626 has increased to over 3,032 residents in population size. The current population total is 2,499. We have broken down the population based on race below. In 28626, there are over 1198 in male population and 1301 females.

PopulationValues
Total Population2,499
White Population2310
Black Population9
Hispanic Population100
Asian Population11
Hawaiian Population6
Indian Population5
Other Population60
Male Population1198
Female Population1301
Population Estimate3032

Household Data for 28626

The average number of homes in 28626 is around 1,113, there are an average of 2.22 per household. The average house value according to local real estate values is around $198,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,113
Persons Per Household2.22
Average House Value$198,300
Income Per Household$56411
Median Age48.2
Median Age Male47.7
Median Age Female48.7
28626 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code336/743
CityFleetwood
City Alias NameFLEETWOOD
CountyAshe
County FIPS009
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 Businesses34
Number Of Employees93
Business First Quarter Payroll778
Business Annual Payroll4614
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 District05
Congressional LandArea3571.86
Delivery Residential1366
Delivery Business42
Delivery Total2230
Preferred Last Line KeyY15331
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY15331
Land Area29.716000
Water Area0.237000
City Alias Code
City Mixed CaseFleetwood
City Alias Mixed CaseFleetwood
Box Count91
SFDU1338
MFDU0
State ANSI37
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number362720
Unique ZIP Name
SSA State County Code34040
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseAshe

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,” […]