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Home Insurance in 28731
One of the best ways to save money on your homeowners insurance policy in the 28731 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Flat Rock, NC. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our North Carolina licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 28731 zip code and you are ready to start saving on home insurance.
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Information on the Average Homeowners Premiums in 28731
According to industry data, homeowners located in Flat Rock pay roughly $791 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 28731 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of North Carolina home insurance premiums found that premiums in 28731 are 32 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
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The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 28731.
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28731 Home Insurance Average Premiums
$541 /yr.
Shows Zip Code: 28731 lowest rates with discounts applied on average.
For the 28731, 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) | $541 /yr. |
| Average Coverage: | $791 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1091 /yr. |
What is the average home insurance cost for a home in 28731?
- • The average homeowners insurance premium paid annually for a home in 28731 is around $791 per year.
What does it cost on average per month for home insurance in 28731?
- • Homeowners in 28731 pay a monthly average cost per month around $66.00.
What kind of discount could I get if I combine my home and auto insurance together in 28731?
- • Autoowners in 28731 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 Flat Rock area, check out other zip codes nearby 28731.
Review average rates in another zip code:
28731 homeowners insurance rates
Home Replacement Cost Coverage in 28731
Average Building Cost Per Square Foot in 28731: $135
Location: Flat Rock, North Carolina (Henderson County)Average Square Footage in 28731: 2,108 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 28731 before you start any project. Flat Rock 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 28731 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 28731 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,108 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 Flat Rock 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $135 | 2,108 | $284,600 |
| Additional Upgrades & Added Features | $169 | 2,108 | $355,750 |
| Major Home Updates or Advancements | $203 | 2,108 | $426,900 |
It's important to understand that when you estimate your replacement cost of your home in the 28731 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 28731
Best Home & Auto Insurance Agencies in 28731
Housing Demographics for 28731
Population Review for 28731 Zip Code
For the city of Flat Rock, the population within 28731 has increased to over 10,115 residents in population size. The current population total is 8,806. We have broken down the population based on race below. In 28731, there are over 4143 in male population and 4663 females.
| Population | Values |
|---|---|
| Total Population | 8,806 |
| White Population | 7396 |
| Black Population | 145 |
| Hispanic Population | 1061 |
| Asian Population | 65 |
| Hawaiian Population | 78 |
| Indian Population | 68 |
| Other Population | 548 |
| Male Population | 4143 |
| Female Population | 4663 |
| Population Estimate | 10115 |
Household Data for 28731
The average number of homes in 28731 is around 3,787, there are an average of 2.27 per household. The average house value according to local real estate values is around $284,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,787 |
| Persons Per Household | 2.27 |
| Average House Value | $284,600 |
| Income Per Household | $66099 |
| Median Age | 53.5 |
| Median Age Male | 51.5 |
| Median Age Female | 54.7 |
| 28731 Details | Values |
|---|---|
| State | NC |
| State Full Name | North Carolina |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 828 |
| City | Flat Rock |
| City Alias Name | FLAT ROCK |
| County | Henderson |
| County FIPS | 089 |
| State FIPS | 37 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 120 |
| CBSA | 11700 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Asheville, NC |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 204 |
| Number Of Employees | 2354 |
| Business First Quarter Payroll | 19182 |
| Business Annual Payroll | 89329 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 424858 |
| CBSA Division Population | 0 |
| Congressional District | 11 |
| Congressional LandArea | 6838.24 |
| Delivery Residential | 4456 |
| Delivery Business | 194 |
| Delivery Total | 5618 |
| Preferred Last Line Key | Y15327 |
| Classification Code | |
| Multi-County | |
| CSA Name | Asheville-Waynesville-Brevard, NC |
| CBSA_DIV_Name | |
| City State Key | Y15327 |
| Land Area | 33.114000 |
| Water Area | 0.140000 |
| City Alias Code | |
| City Mixed Case | Flat Rock |
| City Alias Mixed Case | Flat Rock |
| Box Count | 492 |
| SFDU | 3953 |
| MFDU | 141 |
| State ANSI | 37 |
| County ANSI | 089 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 362704 |
| Unique ZIP Name | |
| SSA State County Code | 34440 |
| Medicare CBSA Code | 11700 |
| Medicare CBSA Name | Asheville, NC |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Henderson |
North Carolina Homeowners Insurance News & Information
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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, […]
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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 […]
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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%. […]
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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 […]
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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, […]
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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,” […]