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28108 Homeowners Insurance Quotes & Coverage Options
For homeowners like you shopping online for home insurance quotes in the 28108 zip code it's important to know that our rates are very competitive for homeowners living in Mineral Springs, NC. Many homeowners based out of your 28108 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our North Carolina licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 28108 should appear in the zip code field ready to go. For Mineral Springs, NC Homeowners Insurance Quotes nearby, we offer the best rates and service.
28108: Average Home Insurance Rates
For homeowners living in the great city of Mineral Springs, the average homeowners policy is considered high in comparison to other states. North Carolina premiums are estimated to be around $1192 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.
28108 Home Insurance Average Premiums
$942 /yr.
Shows Zip Code: 28108 lowest rates with discounts applied on average.
For the 28108, 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) | $942 /yr. |
| Average Coverage: | $1192 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1492 /yr. |
What is the average home insurance cost for a home in 28108?
- • The average homeowners insurance premium paid annually for a home in 28108 is around $1192 per year.
What does it cost on average per month for home insurance in 28108?
- • Homeowners in 28108 pay a monthly average cost per month around $99.00.
What kind of discount could I get if I combine my home and auto insurance together in 28108?
- • Autoowners in 28108 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.
You can easily shop and compare home insurance rates within Mineral Springs, check out other zip codes nearby 28108.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 28108
Average Building Cost Per Square Foot in 28108: $135
Location: Mineral Springs, North Carolina (Union County)Average Square Footage in 28108: 1,222 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 28108 before you start any project. Mineral Springs 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 28108 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 28108 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,222 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 Mineral Springs 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 | 1,222 | $165,000 |
| Additional Upgrades & Added Features | $169 | 1,222 | $206,250 |
| Major Home Updates or Advancements | $203 | 1,222 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 28108 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 28108
Best Home & Auto Insurance Agencies in 28108
Housing Demographics for 28108
Population Review for 28108 Zip Code
For the city of Mineral Springs, the population within 28108 has increased to over 0 residents in population size. The current population total is 50. We have broken down the population based on race below. In 28108, there are over 16 in male population and 34 females.
| Population | Values |
|---|---|
| Total Population | 50 |
| White Population | 37 |
| Black Population | 2 |
| Hispanic Population | 9 |
| Asian Population | 1 |
| Hawaiian Population | 1 |
| Indian Population | 0 |
| Other Population | 5 |
| Male Population | 16 |
| Female Population | 34 |
| Population Estimate | 0 |
Household Data for 28108
The average number of homes in 28108 is around 12, there are an average of 4.17 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 12 |
| Persons Per Household | 4.17 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 41.5 |
| Median Age Male | 41.0 |
| Median Age Female | 43.0 |
| 28108 Details | Values |
|---|---|
| State | NC |
| State Full Name | North Carolina |
| City Type | Z |
| City Alias Abbreviation | MINERAL SPGS |
| Area Code | 704/980 |
| City | Mineral Springs |
| City Alias Name | MINERAL SPRINGS |
| County | Union |
| County FIPS | 179 |
| State FIPS | 37 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 1520 |
| PMSA | |
| CSA | 172 |
| CBSA | 16740 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Charlotte-Concord-Gastonia, NC-SC |
| MSA_Name | Charlotte-Gastonia-Rock Hill, NC-SC MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 17 |
| Number Of Employees | 196 |
| Business First Quarter Payroll | 2184 |
| Business Annual Payroll | 9414 |
| 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 | 1758038 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 4512.78 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 958 |
| Preferred Last Line Key | Y15921 |
| Classification Code | P |
| Multi-County | |
| CSA Name | Charlotte-Concord, NC-SC |
| CBSA_DIV_Name | |
| City State Key | Y15921 |
| Land Area | 0.205000 |
| Water Area | 0.004000 |
| City Alias Code | |
| City Mixed Case | Mineral Springs |
| City Alias Mixed Case | Mineral Springs |
| Box Count | 248 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 37 |
| County ANSI | 179 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 365136 |
| Unique ZIP Name | |
| SSA State County Code | 34890 |
| Medicare CBSA Code | 16740 |
| Medicare CBSA Name | Charlotte-Concord-Gastonia, NC-SC |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 4 |
| County Mixed Case | Union |
North Carolina Homeowners Insurance News & Information
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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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%. […]