Get multiple home insurance quotes in 28725. Our licensed 28725, NC agents are ready to serve you.

28725 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 28725 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Dillsboro, NC. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 28725 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-866-918-3404 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in North Carolina, like average Dillsboro homeowners insurance rates, coverage options or home insurance types, please select Dillsboro, NC Home Insurance Rates Online!

28725 Home Insurance Average Premiums

Local 28725 homeowners insurance quotes comparison

$942 /yr.

Shows Zip Code: 28725 lowest rates with discounts applied on average.

For the 28725, 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 28725?

  • • The average homeowners insurance premium paid annually for a home in 28725 is around $1192 per year.

What does it cost on average per month for home insurance in 28725?

  • • Homeowners in 28725 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 28725?

  • • Autoowners in 28725 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 Dillsboro, check out other zip codes nearby 28725.
To review average rates in another zip code, click on a zip code below:

Home Replacement Cost Coverage in 28725

Average Building Cost Per Square Foot in 28725: $135

Location: Dillsboro, North Carolina (Jackson County)

Average Square Footage in 28725: 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 28725 before you start any project. Dillsboro 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 28725 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 28725 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 Dillsboro 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$1351,222$165,000
Additional Upgrades & Added Features$1691,222$206,250
Major Home Updates or Advancements$2031,222$247,500

It's important to understand that when you estimate your replacement cost of your home in the 28725 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 28725

Best Home & Auto Insurance Agencies in 28725

Housing Demographics for 28725

Population Review for 28725 Zip Code

For the city of Dillsboro, the population within 28725 has increased to over 0 residents in population size. The current population total is 102. We have broken down the population based on race below. In 28725, there are over 43 in male population and 59 females.

PopulationValues
Total Population102
White Population78
Black Population1
Hispanic Population7
Asian Population2
Hawaiian Population0
Indian Population3
Other Population3
Male Population43
Female Population59
Population Estimate0

Household Data for 28725

The average number of homes in 28725 is around 41, there are an average of 2.49 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 DataValues
Households Per Zipcode41
Persons Per Household2.49
Average House Value$165,000
Income Per Household$0
Median Age55.3
Median Age Male60.6
Median Age Female44.5
28725 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeZ
City Alias Abbreviation
Area Code828
CityDillsboro
City Alias NameDILLSBORO
CountyJackson
County FIPS099
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees171
Business First Quarter Payroll907
Business Annual Payroll4311
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District11
Congressional LandArea6838.24
Delivery Residential0
Delivery Business0
Delivery Total370
Preferred Last Line KeyY15134
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY15134
Land Area0.533000
Water Area0.000000
City Alias Code
City Mixed CaseDillsboro
City Alias Mixed CaseDillsboro
Box Count306
SFDU0
MFDU0
State ANSI37
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number362104
Unique ZIP Name
SSA State County Code34490
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseJackson

North Carolina Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]

  • 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, […]

  • 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%. […]