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23235, VA Home Insurance
In the zip code of 23235, the population size is around 34,058, which consists of 13,902 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Richmond, VA. A few years ago, a study was done and found that the average home insurance rates for Virginia are around $839 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 23235 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Richmond. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!
If you would like to review more information on rates within your area, please click Richmond, VA Homeowners Insurance Online Rates Today!
23235 Home Insurance Average Premiums
For the 23235, 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) | $589 /yr. |
Average Coverage: | $839 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1139 /yr. |
What is the average home insurance cost for a home in 23235?
- • The average homeowners insurance premium paid annually for a home in 23235 is around $839 per year.
What does it cost on average per month for home insurance in 23235?
- • Homeowners in 23235 pay a monthly average cost per month around $70.00.
What kind of discount could I get if I combine my home and auto insurance together in 23235?
- • Autoowners in 23235 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 Richmond area, check out other zip codes nearby 23235.
Review average rates in another zip code:
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23226 homeowners insurance rates
Home Replacement Cost Coverage in 23235
Average Building Cost Per Square Foot in 23235: $163
Location: Richmond, Virginia (Chesterfield County)Average Square Footage in 23235: 1,598 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 23235 before you start any project. Richmond homeowners pay on average around $163 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 23235 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 23235 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,598 sq. ft. and the average cost to rebuild the home in this area is around $163 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 Richmond 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 | $163 | 1,598 | $260,400 |
Additional Upgrades & Added Features | $204 | 1,598 | $325,500 |
Major Home Updates or Advancements | $245 | 1,598 | $390,600 |
It's important to understand that when you estimate your replacement cost of your home in the 23235 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 23235
Best Home & Auto Insurance Agencies in 23235
Robert Zevgolis - Allstate Agent
Address: 10049 Midlothian Turnpike Richmond, VA 23235Phone:
Website: http://www.allstateagencies.com/RZevgolis2/Welcome/
Info:
Estes- William P - State Farm Insurance Agent
Address: 7204 Hull St Rd Richmond, VA 23235Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Baltich- Brooks W
Address: 8011 Buford Ct Richmond, VA 23235Phone:
Website:
Info:
Arthur J Heinz - Nationwide Insurance
Address: 8227 Hull Street Road Richmond, VA 23235Phone:
Website:
Info:
Cochran- Jeffrey L
Address: 9101 Midlothian Tpke Richmond, VA 23235Phone:
Website:
Info:
Housing Demographics for 23235
Population Review for 23235 Zip Code
For the city of Richmond, the population within 23235 has increased to over 35,740 residents in population size. The current population total is 34,058. We have broken down the population based on race below. In 23235, there are over 16332 in male population and 17726 females.
Population | Values |
---|---|
Total Population | 34,058 |
White Population | 22718 |
Black Population | 5703 |
Hispanic Population | 3333 |
Asian Population | 1084 |
Hawaiian Population | 15 |
Indian Population | 129 |
Other Population | 1816 |
Male Population | 16332 |
Female Population | 17726 |
Population Estimate | 35740 |
Household Data for 23235
The average number of homes in 23235 is around 13,902, there are an average of 2.38 per household. The average house value according to local real estate values is around $260,400. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 13,902 |
Persons Per Household | 2.38 |
Average House Value | $260,400 |
Income Per Household | $82535 |
Median Age | 42.1 |
Median Age Male | 39.0 |
Median Age Female | 45.2 |
23235 Details | Values |
---|---|
State | VA |
State Full Name | Virginia |
City Type | P |
City Alias Abbreviation | |
Area Code | 804 |
City | Richmond |
City Alias Name | RICHMOND |
County | Chesterfield |
County FIPS | 041 |
State FIPS | 51 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | 6760 |
PMSA | |
CSA | |
CBSA | 40060 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Richmond, VA |
MSA_Name | Richmond-Petersburg, VA MSA |
PMSA_Name | |
Region | South |
Division | South Atlantic |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 1350 |
Number Of Employees | 20493 |
Business First Quarter Payroll | 245400 |
Business Annual Payroll | 1025634 |
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 | 1258251 |
CBSA Division Population | 0 |
Congressional District | 01|04 |
Congressional LandArea | 3684.32|4310.34 |
Delivery Residential | 15017 |
Delivery Business | 1587 |
Delivery Total | 20121 |
Preferred Last Line Key | X27528 |
Classification Code | |
Multi-County | Y |
CSA Name | |
CBSA_DIV_Name | |
City State Key | X27528 |
Land Area | 17.800000 |
Water Area | 0.080000 |
City Alias Code | |
City Mixed Case | Richmond |
City Alias Mixed Case | Richmond |
Box Count | 451 |
SFDU | 10861 |
MFDU | 2058 |
State ANSI | 51 |
County ANSI | 041 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 517650 |
Unique ZIP Name | |
SSA State County Code | 49200 |
Medicare CBSA Code | 40060 |
Medicare CBSA Name | Richmond, VA |
Medicare CBSA Type | Metro |
Market Rating Area ID | 7 |
County Mixed Case | Chesterfield |
Virginia Homeowners Insurance News & Information
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Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
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Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]
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Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]