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28681 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 28681? There are over 9,874 occupied homes in the 28681 area. With a population size of 25,181, it's not uncommon for residence of Taylorsville, NC to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in North Carolina is around $813 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 28681 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Taylorsville, NC Home Insurance Rate Quotes

28681 Home Insurance Average Premiums

Local 28681 homeowners insurance quotes comparison

$563 /yr.

Shows Zip Code: 28681 lowest rates with discounts applied on average.

For the 28681, 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)
$563 /yr.
Average Coverage:$813 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1113 /yr.

What is the average home insurance cost for a home in 28681?

  • • The average homeowners insurance premium paid annually for a home in 28681 is around $813 per year.

What does it cost on average per month for home insurance in 28681?

  • • Homeowners in 28681 pay a monthly average cost per month around $68.00.

What kind of discount could I get if I combine my home and auto insurance together in 28681?

  • • Autoowners in 28681 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 Taylorsville area, check out other zip codes nearby 28681.
Review average rates in another zip code:
28681 homeowners insurance rates

Home Replacement Cost Coverage in 28681

Average Building Cost Per Square Foot in 28681: $135

Location: Taylorsville, North Carolina (Alexander County)

Average Square Footage in 28681: 1,084 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28681 before you start any project. Taylorsville 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 28681 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 28681 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,084 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 Taylorsville 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$1351,084$146,300
Additional Upgrades & Added Features$1691,084$182,875
Major Home Updates or Advancements$2031,084$219,450

It's important to understand that when you estimate your replacement cost of your home in the 28681 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 28681

Best Home & Auto Insurance Agencies in 28681

Housing Demographics for 28681

Population Review for 28681 Zip Code

For the city of Taylorsville, the population within 28681 has increased to over 24,559 residents in population size. The current population total is 25,181. We have broken down the population based on race below. In 28681, there are over 13025 in male population and 12156 females.

PopulationValues
Total Population25,181
White Population21550
Black Population1548
Hispanic Population1053
Asian Population269
Hawaiian Population1
Indian Population113
Other Population581
Male Population13025
Female Population12156
Population Estimate24559

Household Data for 28681

The average number of homes in 28681 is around 9,874, there are an average of 2.40 per household. The average house value according to local real estate values is around $146,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,874
Persons Per Household2.40
Average House Value$146,300
Income Per Household$52440
Median Age44.7
Median Age Male42.7
Median Age Female46.7
28681 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code828
CityTaylorsville
City Alias NameTAYLORSVILLE
CountyAlexander
County FIPS003
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 Businesses413
Number Of Employees5472
Business First Quarter Payroll47083
Business Annual Payroll224492
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 Residential10233
Delivery Business483
Delivery Total11324
Preferred Last Line KeyY16602
Classification Code
Multi-County
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY16602
Land Area167.635000
Water Area2.567000
City Alias Code
City Mixed CaseTaylorsville
City Alias Mixed CaseTaylorsville
Box Count516
SFDU9766
MFDU48
State ANSI37
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number367712
Unique ZIP Name
SSA State County Code34010
Medicare CBSA Code25860
Medicare CBSA NameHickory-Lenoir-Morganton, NC
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseAlexander

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,” […]