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Compare 28682 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Terrell just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 481 neighbors looking to save on their home insurance policy in the local 28682 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 28682. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best North Carolina rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Terrell, NC home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Terrell, NC

28682 Home Insurance Average Premiums

Local 28682 homeowners insurance quotes comparison

$488 /yr.

Shows Zip Code: 28682 lowest rates with discounts applied on average.

For the 28682, 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)
$488 /yr.
Average Coverage:$738 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1038 /yr.

What is the average home insurance cost for a home in 28682?

  • • The average homeowners insurance premium paid annually for a home in 28682 is around $738 per year.

What does it cost on average per month for home insurance in 28682?

  • • Homeowners in 28682 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 28682?

  • • Autoowners in 28682 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 Terrell area, check out other zip codes nearby 28682.
Review average rates in another zip code:
28682 homeowners insurance rates

Home Replacement Cost Coverage in 28682

Average Building Cost Per Square Foot in 28682: $135

Location: Terrell, North Carolina (Catawba County)

Average Square Footage in 28682: 3,281 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28682 before you start any project. Terrell 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 28682 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 28682 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,281 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 Terrell 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$1353,281$442,900
Additional Upgrades & Added Features$1693,281$553,625
Major Home Updates or Advancements$2033,281$664,350

It's important to understand that when you estimate your replacement cost of your home in the 28682 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 28682

Best Home & Auto Insurance Agencies in 28682

Housing Demographics for 28682

Population Review for 28682 Zip Code

For the city of Terrell, the population within 28682 has increased to over 1,874 residents in population size. The current population total is 1,126. We have broken down the population based on race below. In 28682, there are over 589 in male population and 537 females.

PopulationValues
Total Population1,126
White Population1035
Black Population32
Hispanic Population26
Asian Population7
Hawaiian Population2
Indian Population0
Other Population7
Male Population589
Female Population537
Population Estimate1874

Household Data for 28682

The average number of homes in 28682 is around 481, there are an average of 2.34 per household. The average house value according to local real estate values is around $442,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode481
Persons Per Household2.34
Average House Value$442,900
Income Per Household$84737
Median Age55.0
Median Age Male54.8
Median Age Female55.2
28682 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code828
CityTerrell
City Alias NameTERRELL
CountyCatawba
County FIPS035
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 Businesses40
Number Of Employees330
Business First Quarter Payroll9226
Business Annual Payroll27642
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 District10
Congressional LandArea2575.16
Delivery Residential801
Delivery Business16
Delivery Total1443
Preferred Last Line KeyY16607
Classification Code
Multi-County
CSA NameCharlotte-Concord, NC-SC
CBSA_DIV_Name
City State KeyY16607
Land Area3.826000
Water Area2.971000
City Alias Code
City Mixed CaseTerrell
City Alias Mixed CaseTerrell
Box Count148
SFDU581
MFDU0
State ANSI37
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number367728
Unique ZIP Name
SSA State County Code34170
Medicare CBSA Code25860
Medicare CBSA NameHickory-Lenoir-Morganton, NC
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseCatawba

North Carolina Homeowners Insurance News & Information

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    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,” […]