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Searching for Homeowners Insurance in 23934
If you are a homeowners that lives in 23934 you may be searching for more affordable homeowners insurance in Cullen. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Cullen, VA. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.
Our Virginia licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.
Get 23934 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Cullen, VA home insurance quotes in your local city and review the most competitive coverages and premiums.
Check Out 23934 Home Insurance Costs: medium!
In Cullen, homeowners are paying roughly $822 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 23934 zip code.
Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Cullen are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.
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23934 Home Insurance Average Premiums
For the 23934, 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) | $572 /yr. |
Average Coverage: | $822 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1122 /yr. |
What is the average home insurance cost for a home in 23934?
- • The average homeowners insurance premium paid annually for a home in 23934 is around $822 per year.
What does it cost on average per month for home insurance in 23934?
- • Homeowners in 23934 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 23934?
- • Autoowners in 23934 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 Cullen, check out other zip codes nearby 23934.
To review average rates in another zip code, click on a zip code below:
23934 |
Home Replacement Cost Coverage in 23934
Average Building Cost Per Square Foot in 23934: $163
Location: Cullen, Virginia (Charlotte County)Average Square Footage in 23934: 997 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 23934 before you start any project. Cullen 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 23934 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 23934 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 997 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 Cullen 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 | 997 | $162,500 |
Additional Upgrades & Added Features | $204 | 997 | $203,125 |
Major Home Updates or Advancements | $245 | 997 | $243,750 |
It's important to understand that when you estimate your replacement cost of your home in the 23934 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 23934
Best Home & Auto Insurance Agencies in 23934
Housing Demographics for 23934
Population Review for 23934 Zip Code
For the city of Cullen, the population within 23934 has increased to over 972 residents in population size. The current population total is 811. We have broken down the population based on race below. In 23934, there are over 420 in male population and 391 females.
Population | Values |
---|---|
Total Population | 811 |
White Population | 567 |
Black Population | 203 |
Hispanic Population | 12 |
Asian Population | 0 |
Hawaiian Population | 0 |
Indian Population | 0 |
Other Population | 1 |
Male Population | 420 |
Female Population | 391 |
Population Estimate | 972 |
Household Data for 23934
The average number of homes in 23934 is around 252, there are an average of 3.22 per household. The average house value according to local real estate values is around $162,500. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 252 |
Persons Per Household | 3.22 |
Average House Value | $162,500 |
Income Per Household | $0 |
Median Age | 38.0 |
Median Age Male | 38.8 |
Median Age Female | 34.9 |
23934 Details | Values |
---|---|
State | VA |
State Full Name | Virginia |
City Type | P |
City Alias Abbreviation | |
Area Code | 434 |
City | Cullen |
City Alias Name | CULLEN |
County | Charlotte |
County FIPS | 037 |
State FIPS | 51 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | |
PMSA | |
CSA | |
CBSA | |
CBSA_DIV | |
CBSA_Type | |
CBSA_Name | |
MSA_Name | |
PMSA_Name | |
Region | South |
Division | South Atlantic |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 6 |
Number Of Employees | 41 |
Business First Quarter Payroll | 253 |
Business Annual Payroll | 1055 |
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 | 0 |
CBSA Division Population | 0 |
Congressional District | 05 |
Congressional LandArea | 10029.79 |
Delivery Residential | 302 |
Delivery Business | 5 |
Delivery Total | 437 |
Preferred Last Line Key | X26450 |
Classification Code | |
Multi-County | Y |
CSA Name | |
CBSA_DIV_Name | |
City State Key | X26450 |
Land Area | 40.576000 |
Water Area | 0.363000 |
City Alias Code | |
City Mixed Case | Cullen |
City Alias Mixed Case | Cullen |
Box Count | 17 |
SFDU | 302 |
MFDU | 0 |
State ANSI | 51 |
County ANSI | 037 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | N |
Carrier Route Rate Sortation | C |
Finance Number | 512334 |
Unique ZIP Name | |
SSA State County Code | 49190 |
Medicare CBSA Code | 99949 |
Medicare CBSA Name | Rural Areas in VA |
Medicare CBSA Type | Micro |
Market Rating Area ID | 12 |
County Mixed Case | Charlotte |
Virginia Homeowners Insurance News & Information
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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 […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]