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Homeowners Insurance in 28306

For homeowners living in 28306, you want more affordable home insurance rates in Fayetteville, right? Our rates are very competitive for homeowners living in the great city of Fayetteville, NC. Many homeowners living in the 28306 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 28306 should appear in the zip code field ready to go. Comparing Fayetteville, NC Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

28306 Home Insurance Costs Are Considered: Medium!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Fayetteville pay around $857 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing North Carolina home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 28306 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Fayetteville homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your North Carolina home insurance premium today!

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28306 Home Insurance Average Premiums

Local 28306 homeowners insurance quotes comparison

$607 /yr.

Shows Zip Code: 28306 lowest rates with discounts applied on average.

For the 28306, 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)
$607 /yr.
Average Coverage:$857 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1157 /yr.

What is the average home insurance cost for a home in 28306?

  • • The average homeowners insurance premium paid annually for a home in 28306 is around $857 per year.

What does it cost on average per month for home insurance in 28306?

  • • Homeowners in 28306 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 28306?

  • • Autoowners in 28306 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 28306.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 28306

Average Building Cost Per Square Foot in 28306: $135

Location: Fayetteville, North Carolina (Cumberland County)

Average Square Footage in 28306: 1,270 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28306 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 28306 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 28306 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,270 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$1351,270$171,400
Additional Upgrades & Added Features$1691,270$214,250
Major Home Updates or Advancements$2031,270$257,100

It's important to understand that when you estimate your replacement cost of your home in the 28306 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 28306

Allstate Insurance-Paul Dalpe

Address: 3035 Legion Rd Ste 107 Fayetteville, NC 28306
Phone: (910)426-2950
Website: www.pauldalpe.com

Best Home & Auto Insurance Agencies in 28306

Nationwide Insurance Company - Agents- Warren Michael L

Address: 4582 Cumberland Rd Fayetteville, NC 28306
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote

Allstate Insurance-Paul Dalpe

Address: 3035 Legion Rd, #107 Fayetteville, NC 28306
Phone:
Website: http://www.pauldalpe.com
Info:

Matthews David C Insurance Agency

Address: 2986 Cumberland Rd Fayetteville, NC 28306
Phone:
Website:
Info:

Housing Demographics for 28306

Population Review for 28306 Zip Code

For the city of Fayetteville, the population within 28306 has increased to over 50,096 residents in population size. The current population total is 44,615. We have broken down the population based on race below. In 28306, there are over 21243 in male population and 23372 females.

PopulationValues
Total Population44,615
White Population20201
Black Population14757
Hispanic Population5274
Asian Population1411
Hawaiian Population125
Indian Population1085
Other Population2104
Male Population21243
Female Population23372
Population Estimate50096

Household Data for 28306

The average number of homes in 28306 is around 16,341, there are an average of 2.72 per household. The average house value according to local real estate values is around $171,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,341
Persons Per Household2.72
Average House Value$171,400
Income Per Household$56361
Median Age35.7
Median Age Male34.4
Median Age Female36.6
28306 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code910
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 Businesses658
Number Of Employees9449
Business First Quarter Payroll89415
Business Annual Payroll373458
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 Residential18418
Delivery Business943
Delivery Total19667
Preferred Last Line KeyY15309
Classification Code
Multi-CountyY
CSA NameFayetteville-Lumberton-Pinehurst, NC
CBSA_DIV_Name
City State KeyY15309
Land Area69.745000
Water Area0.987000
City Alias Code
City Mixed CaseFayetteville
City Alias Mixed CaseFayetteville
Box Count203
SFDU14904
MFDU1073
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,” […]