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Find the Best Home Insurance Rates in 28778
Shopping for homeowners insurance in 28778 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Swannanoa, NC and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our North Carolina licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 28778 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 28778
Find Swannanoa, NC Homeowners Insurance Quotes to review the best coverage options in your area.
28778 Home Insurance Rating is: medium!
In 28778 the average premium is $828. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 28778, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 28778!
28778 Home Insurance Average Premiums
$578 /yr.
Shows Zip Code: 28778 lowest rates with discounts applied on average.
For the 28778, 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) | $578 /yr. |
| Average Coverage: | $828 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1128 /yr. |
What is the average home insurance cost for a home in 28778?
- • The average homeowners insurance premium paid annually for a home in 28778 is around $828 per year.
What does it cost on average per month for home insurance in 28778?
- • Homeowners in 28778 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 28778?
- • Autoowners in 28778 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 Swannanoa area, check out other zip codes nearby 28778.
Review average rates in another zip code:
28778 homeowners insurance rates
Home Replacement Cost Coverage in 28778
Average Building Cost Per Square Foot in 28778: $135
Location: Swannanoa, North Carolina (Buncombe County)Average Square Footage in 28778: 1,381 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 28778 before you start any project. Swannanoa 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 28778 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 28778 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,381 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 Swannanoa 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 | 1,381 | $186,400 |
| Additional Upgrades & Added Features | $169 | 1,381 | $233,000 |
| Major Home Updates or Advancements | $203 | 1,381 | $279,600 |
It's important to understand that when you estimate your replacement cost of your home in the 28778 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 28778
Best Home & Auto Insurance Agencies in 28778
Housing Demographics for 28778
Population Review for 28778 Zip Code
For the city of Swannanoa, the population within 28778 has increased to over 11,297 residents in population size. The current population total is 10,328. We have broken down the population based on race below. In 28778, there are over 4971 in male population and 5357 females.
| Population | Values |
|---|---|
| Total Population | 10,328 |
| White Population | 8345 |
| Black Population | 418 |
| Hispanic Population | 993 |
| Asian Population | 81 |
| Hawaiian Population | 11 |
| Indian Population | 88 |
| Other Population | 508 |
| Male Population | 4971 |
| Female Population | 5357 |
| Population Estimate | 11297 |
Household Data for 28778
The average number of homes in 28778 is around 4,172, there are an average of 2.34 per household. The average house value according to local real estate values is around $186,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,172 |
| Persons Per Household | 2.34 |
| Average House Value | $186,400 |
| Income Per Household | $54216 |
| Median Age | 42.0 |
| Median Age Male | 42.0 |
| Median Age Female | 42.0 |
| 28778 Details | Values |
|---|---|
| State | NC |
| State Full Name | North Carolina |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 828 |
| City | Swannanoa |
| City Alias Name | SWANNANOA |
| County | Buncombe |
| County FIPS | 021 |
| State FIPS | 37 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 0480 |
| PMSA | |
| CSA | 120 |
| CBSA | 11700 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Asheville, NC |
| MSA_Name | Asheville, NC MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 224 |
| Number Of Employees | 2683 |
| Business First Quarter Payroll | 23741 |
| Business Annual Payroll | 106450 |
| 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 | 4828 |
| Delivery Business | 205 |
| Delivery Total | 5517 |
| Preferred Last Line Key | Y16579 |
| Classification Code | |
| Multi-County | |
| CSA Name | Asheville-Waynesville-Brevard, NC |
| CBSA_DIV_Name | |
| City State Key | Y16579 |
| Land Area | 32.483000 |
| Water Area | 0.109000 |
| City Alias Code | |
| City Mixed Case | Swannanoa |
| City Alias Mixed Case | Swannanoa |
| Box Count | 334 |
| SFDU | 3784 |
| MFDU | 0 |
| State ANSI | 37 |
| County ANSI | 021 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 367624 |
| Unique ZIP Name | |
| SSA State County Code | 34100 |
| Medicare CBSA Code | 11700 |
| Medicare CBSA Name | Asheville, NC |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Buncombe |
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,” […]