28601 Home Insurance Rates

For homeowners living in 28601, the population estimates are increasing to well over 53,973 with 22,369 occupied homes within the zip code of 28601. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Hickory have increased and the average home insurance premium is around $831 per year in 28601. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 28601 zip code today so we can help you find affordable Hickory, NC home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 28601

Please select one of the three options below based on your 28601 zip code to learn more about North Carolina homeowners insurance, plus review average rates and information per state, county or city.

28601 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 28601 zip code just got easier with GetHomeInsuranceQuotes.com of Hickory, NC. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 28601 today and let us help you review the best home insurance quotes available for homeowners living in Hickory.

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28601 Home Insurance Average Premiums

Local 28601 homeowners insurance quotes comparison

$581 /yr.

Shows Zip Code: 28601 lowest rates with discounts applied on average.

For the 28601, 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)	$581 /yr.
Average Coverage:	$831 /yr.
2600 sq. ft. or higher (all discounts applied)	$1131 /yr.

What is the average home insurance cost for a home in 28601?

• The average homeowners insurance premium paid annually for a home in 28601 is around $831 per year.

What does it cost on average per month for home insurance in 28601?

• Homeowners in 28601 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 28601?

• Autoowners in 28601 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 Hickory area, check out other zip codes nearby 28601.
Review average rates in another zip code:
28602 homeowners insurance rates
28601 homeowners insurance rates

Home Replacement Cost Coverage in 28601

Average Building Cost Per Square Foot in 28601: $135

Location: Hickory, North Carolina (Catawba County)

Average Square Footage in 28601: 1,384 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28601 before you start any project. Hickory 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 28601 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 28601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,384 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 Hickory 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	1,384	$186,900
Additional Upgrades & Added Features	$169	1,384	$233,625
Major Home Updates or Advancements	$203	1,384	$280,350

Calculate Your Dwelling Coverage in 28601

It's important to understand that when you estimate your replacement cost of your home in the 28601 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 Home & Auto Insurance Agencies in 28601

City-County Insurance Service Inc

Address: 102 3rd Ave NE Hickory, NC 28601
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Butler- Jeffrey S

Address: 1413 29th Ave Dr NE Hickory, NC 28601
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Allstate Insurance - Reagan Beam

Address: 514 Us-321 NW Hickory, NC 28601
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Mickey Lineberger Insurance Agency

Address: 514 US-321 Hickory, NC 28601
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Bill Graham Insurance Agcy Inc

Address: 15 US-321 Hickory, NC 28601
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Housing Demographics for 28601

Population Review for 28601 Zip Code

For the city of Hickory, the population within 28601 has increased to over 56,218 residents in population size. The current population total is 53,973. We have broken down the population based on race below. In 28601, there are over 25774 in male population and 28199 females.

Population	Values
Total Population	53,973
White Population	40222
Black Population	3906
Hispanic Population	6348
Asian Population	2054
Hawaiian Population	22
Indian Population	372
Other Population	3264
Male Population	25774
Female Population	28199
Population Estimate	56218

Household Data for 28601

The average number of homes in 28601 is around 22,369, there are an average of 2.34 per household. The average house value according to local real estate values is around $186,900. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	22,369
Persons Per Household	2.34
Average House Value	$186,900
Income Per Household	$60277
Median Age	42.0
Median Age Male	40.5
Median Age Female	43.3

28601 Details	Values
State	NC
State Full Name	North Carolina
City Type	P
City Alias Abbreviation
Area Code	828
City	Hickory
City Alias Name	HICKORY
County	Catawba
County FIPS	035
State FIPS	37
Time Zone	5
Day Light Saving	Y
MSA	3290
PMSA
CSA	172
CBSA	25860
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Hickory-Lenoir-Morganton, NC
MSA_Name	Hickory-Morganton-Lenoir, NC MSA
PMSA_Name
Region	South
Division	South Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1378
Number Of Employees	23652
Business First Quarter Payroll	271566
Business Annual Payroll	1130272
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	365497
CBSA Division Population	0
Congressional District	10
Congressional LandArea	2575.16
Delivery Residential	24025
Delivery Business	1475
Delivery Total	25252
Preferred Last Line Key	Y15554
Classification Code
Multi-County	Y
CSA Name	Charlotte-Concord, NC-SC
CBSA_DIV_Name
City State Key	Y15554
Land Area	47.063000
Water Area	3.416000
City Alias Code
City Mixed Case	Hickory
City Alias Mixed Case	Hickory
Box Count	0
SFDU	16527
MFDU	2107
State ANSI	37
County ANSI	035
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	363560
Unique ZIP Name
SSA State County Code	34170
Medicare CBSA Code	25860
Medicare CBSA Name	Hickory-Lenoir-Morganton, NC
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Catawba

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,” […]

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