Get multiple home insurance quotes in 28655. Our licensed 28655, NC agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 28655

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 28655, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Morganton, NC from a list of top tier nationwide insurers.

Our North Carolina licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 28655 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 28655

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

28655 Ratings: medium!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Morganton we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 28655, homeowners are seeing rates around 826 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 28655!

28655 Home Insurance Average Premiums

Local 28655 homeowners insurance quotes comparison

$576 /yr.

Shows Zip Code: 28655 lowest rates with discounts applied on average.

For the 28655, 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)
$576 /yr.
Average Coverage:$826 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1126 /yr.

What is the average home insurance cost for a home in 28655?

  • • The average homeowners insurance premium paid annually for a home in 28655 is around $826 per year.

What does it cost on average per month for home insurance in 28655?

  • • Homeowners in 28655 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 28655?

  • • Autoowners in 28655 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 Morganton area, check out other zip codes nearby 28655.
Review average rates in another zip code:
28655 homeowners insurance rates

Home Replacement Cost Coverage in 28655

Average Building Cost Per Square Foot in 28655: $135

Location: Morganton, North Carolina (Burke County)

Average Square Footage in 28655: 1,001 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28655 before you start any project. Morganton 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 28655 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 28655 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,001 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 Morganton 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$1351,001$135,100
Additional Upgrades & Added Features$1691,001$168,875
Major Home Updates or Advancements$2031,001$202,650

It's important to understand that when you estimate your replacement cost of your home in the 28655 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 28655

Freedom Insurance Agencies

Address: 302 Burkemont Avenue Morganton, NC 28655
Phone: (828)432-0001
Website:

Bowers Frank G Insurance

Address: 214 Collett Street Morganton, NC 28655
Phone: (828)437-3084
Website:

Bowers Insurance Agency

Address: 127 Wamsutta Mill Road Morganton, NC 28655
Phone: (828)433-8566
Website:

Burke County Farm Bureau

Address: 108 Rand Street Morganton, NC 28655
Phone: (828)437-0411
Website:

Byrd Eric Insurance

Address: 108 Rand Street Morganton, NC 28655
Phone: (828)437-0411
Website:

Best Home & Auto Insurance Agencies in 28655

Fox & Associates Insurance Services

Address: 331 Sanford Dr Morganton, NC 28655
Phone:
Website:
Info:

Mimosa Insurance Agency Inc

Address: 207 N Sterling St Morganton, NC 28655
Phone:
Website:
Info:

Freedom Insurance Agencies

Address: 302 Burkemont Ave Morganton, NC 28655
Phone:
Website:
Info:

Franklin- Richard E

Address: 507 Burkemont Ave Morganton, NC 28655
Phone:
Website:
Info:

Bowers Insurance Agency

Address: 127 Wamsutta Mill Rd Morganton, NC 28655
Phone:
Website:
Info:

Housing Demographics for 28655

Population Review for 28655 Zip Code

For the city of Morganton, the population within 28655 has increased to over 56,319 residents in population size. The current population total is 55,328. We have broken down the population based on race below. In 28655, there are over 27653 in male population and 27675 females.

PopulationValues
Total Population55,328
White Population41798
Black Population4232
Hispanic Population5872
Asian Population1668
Hawaiian Population51
Indian Population1233
Other Population3195
Male Population27653
Female Population27675
Population Estimate56319

Household Data for 28655

The average number of homes in 28655 is around 22,016, there are an average of 2.41 per household. The average house value according to local real estate values is around $135,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode22,016
Persons Per Household2.41
Average House Value$135,100
Income Per Household$45725
Median Age43.1
Median Age Male40.7
Median Age Female45.5
28655 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code828
CityMorganton
City Alias NameMORGANTON
CountyBurke
County FIPS023
State FIPS37
Time Zone5
Day Light SavingY
MSA3290
PMSA
CSA172
CBSA25860
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHickory-Lenoir-Morganton, NC
MSA_NameHickory-Morganton-Lenoir, NC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1008
Number Of Employees16795
Business First Quarter Payroll147737
Business Annual Payroll650550
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population365497
CBSA Division Population0
Congressional District05|10
Congressional LandArea3571.86|2575.16
Delivery Residential23369
Delivery Business1315
Delivery Total24534
Preferred Last Line KeyY15949
Classification Code
Multi-CountyY
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY15949
Land Area324.990000
Water Area2.500000
City Alias Code
City Mixed CaseMorganton
City Alias Mixed CaseMorganton
Box Count0
SFDU20446
MFDU622
State ANSI37
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number365232
Unique ZIP Name
SSA State County Code34110
Medicare CBSA Code25860
Medicare CBSA NameHickory-Lenoir-Morganton, NC
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseBurke

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,” […]