Get multiple home insurance quotes in 28303. Our licensed 28303, NC agents are ready to serve you.

28303 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 28303? Our rates are very competitive for homeowners living in Fayetteville, NC. Many homeowners based out of your 28303 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 homeowners 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 28303 should appear in the zip code field ready to go. For Fayetteville, NC Home Insurance Rate Quotes click to review the best rates and service online!

28303 Average Premium is Rated: Medium!

Homeowners living in 28303 can easily save up to 40% off the average home insurance premium of $852 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Fayetteville that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 28303 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 28303!

28303 Home Insurance Average Premiums

Local 28303 homeowners insurance quotes comparison

$602 /yr.

Shows Zip Code: 28303 lowest rates with discounts applied on average.

For the 28303, 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)
$602 /yr.
Average Coverage:$852 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1152 /yr.

What is the average home insurance cost for a home in 28303?

  • • The average homeowners insurance premium paid annually for a home in 28303 is around $852 per year.

What does it cost on average per month for home insurance in 28303?

  • • Homeowners in 28303 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 28303?

  • • Autoowners in 28303 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 Fayetteville area, check out other zip codes nearby 28303.
Review average rates in another zip code:
28314 homeowners insurance rates
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28303 homeowners insurance rates

Home Replacement Cost Coverage in 28303

Average Building Cost Per Square Foot in 28303: $135

Location: Fayetteville, North Carolina (Cumberland County)

Average Square Footage in 28303: 1,033 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28303 before you start any project. Fayetteville 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 28303 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 28303 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,033 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 Fayetteville 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$1351,033$139,500
Additional Upgrades & Added Features$1691,033$174,375
Major Home Updates or Advancements$2031,033$209,250

It's important to understand that when you estimate your replacement cost of your home in the 28303 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 28303

Best Home & Auto Insurance Agencies in 28303

Angel Richard Insurance Agency

Address: 733 Bargain St Fayetteville, NC 28303
Phone:
Website:
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Clark's Insurance Agency Inc

Address: 6385 Yadkin Rd Fayetteville, NC 28303
Phone:
Website:
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Matthews David C Insurance Agency

Address: 4276 Legend Ave Fayetteville, NC 28303
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
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American Eagle Auto Insurance Agency

Address: 346 Wagoner Dr Fayetteville, NC 28303
Phone:
Website:
Info:

King- Billy Ray - State Farm Insurance Agent

Address: 1555 Cain Rd, #100 Fayetteville, NC 28303
Phone:
Website:
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Housing Demographics for 28303

Population Review for 28303 Zip Code

For the city of Fayetteville, the population within 28303 has increased to over 34,662 residents in population size. The current population total is 30,842. We have broken down the population based on race below. In 28303, there are over 14696 in male population and 16146 females.

PopulationValues
Total Population30,842
White Population12744
Black Population11903
Hispanic Population3491
Asian Population1280
Hawaiian Population171
Indian Population294
Other Population1373
Male Population14696
Female Population16146
Population Estimate34662

Household Data for 28303

The average number of homes in 28303 is around 13,437, there are an average of 2.28 per household. The average house value according to local real estate values is around $139,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,437
Persons Per Household2.28
Average House Value$139,500
Income Per Household$43839
Median Age36.0
Median Age Male33.7
Median Age Female38.2
28303 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code910/472
CityFayetteville
City Alias NameFAYETTEVILLE
CountyCumberland
County FIPS051
State FIPS37
Time Zone5
Day Light SavingY
MSA2560
PMSA
CSA246
CBSA22180
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFayetteville, NC
MSA_NameFayetteville, NC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1078
Number Of Employees15361
Business First Quarter Payroll114259
Business Annual Payroll497097
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population366383
CBSA Division Population0
Congressional District07|09
Congressional LandArea6161.77|856.93
Delivery Residential15203
Delivery Business1621
Delivery Total17176
Preferred Last Line KeyY15309
Classification Code
Multi-County
CSA NameFayetteville-Lumberton-Pinehurst, NC
CBSA_DIV_Name
City State KeyY15309
Land Area15.399000
Water Area0.188000
City Alias Code
City Mixed CaseFayetteville
City Alias Mixed CaseFayetteville
Box Count269
SFDU10986
MFDU2253
State ANSI37
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number362680
Unique ZIP Name
SSA State County Code34250
Medicare CBSA Code22180
Medicare CBSA NameFayetteville, NC
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseCumberland

North Carolina Homeowners Insurance News & Information

  • 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,” […]