28205 Home Insurance Quotes & Rates

Currently, the 22,776 homes within the 28205 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for North Carolina is around $832 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Charlotte, NC, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 28205.

North Carolina is now ranking #32 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Charlotte home insurance quotes all in one place then GetHomeInsuranceQuotes.com of North Carolina has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 28205 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Charlotte, North Carolina home insurance rates today!

Please give us a call now at 1-866-918-3404, easily get up to 12 rates over the phone in minutes. For Charlotte, NC Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

Average Building Cost Per Square Foot in 28205: $135

Average Square Footage in 28205: 2,219 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28205 before you start any project. Charlotte 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 28205 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 28205 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,219 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 Charlotte 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.

It's important to understand that when you estimate your replacement cost of your home in the 28205 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.

Associates Insurance Group

Bakos John G Insurance

Access Insurance Agency

Jacqueline G Moss - Nationwide Insurance

Allstate Insurance Companies

Household Data for 28205

The average number of homes in 28205 is around 22,776, there are an average of 2.16 per household. The average house value according to local real estate values is around $299,600. Please review the following demographics below for average income and media age.

• 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 […]

• North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 28th December, 2023

  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, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]

• 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,” […]