Icard Insurance Rates:

Icard, NC home insurance is nearly $492 to $667, about $41-$55/month. Our comprehensive analysis shows customers can save upto $232 by comparing different quotes

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Research about Icard Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in North Carolina. Compare quotes & save.

Icard Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $310/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 3380 sqft Primary Residence Constructed In 1987 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $230/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 3030 sqft Seasonal Residence Constructed In 2012 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/5 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1550 sqft Rental Property Constructed In 1970 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Bath 3060 sqft Primary Residence Constructed In 2012 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $490/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 2320 sqft Rental Property Constructed In 2004 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $80/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1760 sqft Seasonal Residence Constructed In 1973 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1760 sqft Rental Property Constructed In 1992 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $430/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 3370 sqft Rental Property Constructed In 1981 with Stone Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $200/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1510 sqft Seasonal Residence Constructed In 1992 with Stone Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Icard, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28666 $126,100 $590

Icard Rates & Quotes Analysis:

Icard Area Estimated House Insurance
Hubert Park Ave, State Rd 1609, Poplar St, 38th St NW, 10th St SE, Hazel St, State Rd 1617, 1st St NE, I- 40 Access Rd SE, Rhodhiss Rd$576
Shouppe Way, Pine Meadows Cir, Luke Short Rd, Warlick Chapel Rd, 9th Ave Dr NW, Hill Dr, Ingram St, Bailey Rd, High Peak Valley, Hunter Ave$581
Sunset Point Dr, Winston Dr, Watts Dr, Fowler Rd, Della Dr, Brown Cir, Shuford Farm Rd, Mount Home Church Rd, State Rd 1882, Joseph Burns Rd$576
State Rd 1620, State Rd 1670, Powell Dr S, Bridges Ave, Yancey Dr, Youngs Creek Rd, Icard Rhodhiss Rd, Norman Rd, 5th Ave NE, Vanhorn Rd$576
Cub Creek Rd, State Rd 1761, 1st Avenue Pl NW, Christopher Ct, Wilkies Grove Church Rd, Holly Ridge Ct, Tom Smith Ave, New Way Home Rd, Old Mill Rd, Eckard Creek Cir Exd$578

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,126 Homes (14% of total) built between 1990 to 1999 in Icard are paying home insurance between $836-$845 and differs from Rutherford College (+$24), Valdese (+$15), Drexel (+$12), Rhodhiss (-$11) and Casar (-$17).
  • Bedrooms: 3,986 3 bedrooms homes (52% of total homes ) in Icard are paying about $459. Areas near to Icard such as Rutherford College, Northlakes, Hickory are costlier by $6, $16, $3 respectively whereas Connelly Springs and Rhodhiss are more economical by $10, $12 respectively for similar homes.
  • Auto Insurance Bundling: 1,706 Households (34% of all households) in Icard have 3 or more vehicles available and when it is bundled with home insurance you can save $145. Discounts for similar bundling in close by locations such as Connelly Springs, Rutherford College, Hildebran come to $143, $149, $146 respectively.
  • Senior Discounts: 2,482 seniors (more than 55 years) occupied housing units (50% of total) in Icard get discounts between $86 to $89 in contrast with Connelly Springs ($86), Rutherford College ($89), Hildebran ($87).
  • New Homes discounts: New homes such as the 2,812 homes built between 2000 to 2009 in Icard can save $116 and similar new home insurance discounts in nearby towns and cities like Connelly Springs, Rutherford College and Hildebran are $115, $119 and $117 respectively.

Icard Homeowners insurance Facts

  • Icard, NC has 4,904 owner occupied houses which is 75.1% of all units whereas Connelly Springs, Rutherford College and Hildebran have 82.33%, 81.55% and 69.36% respectively.
  • Icard, NC homeowners yearly insurance price at $580 is 0.62% of the typical house value of $93,200 which is in contrast with 0.72% in Connelly Springs, 0.41% at Rutherford College & 0.52% in Hildebran.
  • Homeowners in Icard, NC pay 0.77% of their income ($75,000 or more) in insurance whereas homeowners in Connelly Springs, Rutherford College and Hildebran pay 0.77%, 0.79% and 0.78% respectively.
  • Icard, NC’s insurance is 5.1% of monthly housing costs of $941/month, for owners with a mortgage compared to 6.22% in Connelly Springs, 4.59% at Rutherford College & 4.83% in Hildebran. But, for households without a mortgage, insurance is 18.1% of costs ($267 in Icard, NC) in contrast with 16.64% in Connelly Springs, 15.82% at Rutherford College & 17.63% in Hildebran.

Icard, NC Home Values & Insurance rates

For example, insurance for 260 Homes (5.0% of total homes ) valued between $200,000 to $249,999 in Icard, NC is about $1,397. Rates in nearby areas in such as Rutherford College, Hildebran, Valdese are cheaper by $474, $231, $365 respectively while Connelly Springs and Lower Fork are costlier by $236 and $88 respectively for similar homes.

Icard, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 897 18.0% $150
$50,000 to $59,999 280 5.0% $324
$60,000 to $69,999 162 3.0% $400
$70,000 to $79,999 617 12.0% $464
$80,000 to $89,999 369 7.0% $527
$90,000 to $99,999 399 8.0% $585
$100,000 to $124,999 554 11.0% $684
$125,000 to $149,999 450 9.0% $852
$150,000 to $174,999 527 10.0% $1009
$175,000 to $199,999 137 2.0% $1165
$200,000 to $249,999 260 5.0% $1397
$250,000 to $299,999 98 2.0% $1711
$300,000 to $399,999 103 2.0% $2175

Renters Insurance in Icard

  • Average Renters Insurance in Icard :  $138($11/month)

  • Median Gross Rent in Icard :  $613

  • Icard Renters Insurance to Median Rent Ratio:  1.79%

  • Renter occupied housing units in Icard :  1,628

Icard Renters Insurance as a Percentage of Rent

Icard Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 30 2.0% $784
$300 to $499 222 17.0% $1234
$500 to $749 746 58.0% $1909
$750 to $999 203 15.0% $2659
$1,000 to $1,499 79 6.0% $3784

Rent Affordability in Icard:

Approximately 42.0% (697) of households are spending more than 35% of their income on gross rent in Icard

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 208 12.0%
15.0 to 19.9 percent 133 8.0%
20.0 to 24.9 percent 234 14.0%
25.0 to 29.9 percent 230 14.0%
30.0 to 34.9 percent 126 7.0%
35.0 percent or more 697 42.0%

Icard Renters Insurance Discounts:

Icard Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Icard, NC Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 740 45.0% $13.8
2 vehicles available 481 29.0% $20.7
3 or more vehicles available 247 15.0% $27.6

Icard Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 81 4.0% $61
60 to 64 years 40 2.0% $49
65 to 74 years 222 13.0% $39
75 years and over 140 8.0% $30

Protective device discount in Icard Up to :  $20

Claims-free discount in Icard Up to :  $27