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22406 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 22406 zip code it's important to know that our rates are very competitive for homeowners living in Fredericksburg, VA. Many homeowners based out of your 22406 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Virginia licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 22406 should appear in the zip code field ready to go. For Fredericksburg, VA Homeowners Insurance Quotes nearby, we offer the best rates and service.

22406: Average Home Insurance Rates

For homeowners living in the great city of Fredericksburg, the average homeowners policy is considered medium in comparison to other states. Virginia premiums are estimated to be around $883 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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22406 Home Insurance Average Premiums

Local 22406 homeowners insurance quotes comparison

$633 /yr.

Shows Zip Code: 22406 lowest rates with discounts applied on average.

For the 22406, 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)
$633 /yr.
Average Coverage:$883 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1183 /yr.

What is the average home insurance cost for a home in 22406?

  • • The average homeowners insurance premium paid annually for a home in 22406 is around $883 per year.

What does it cost on average per month for home insurance in 22406?

  • • Homeowners in 22406 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 22406?

  • • Autoowners in 22406 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 Fredericksburg area, check out other zip codes nearby 22406.
Review average rates in another zip code:
22406 homeowners insurance rates
22405 homeowners insurance rates
22407 homeowners insurance rates
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22408 homeowners insurance rates

Home Replacement Cost Coverage in 22406

Average Building Cost Per Square Foot in 22406: $163

Location: Fredericksburg, Virginia (Stafford County)

Average Square Footage in 22406: 2,354 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22406 before you start any project. Fredericksburg 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 22406 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 22406 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,354 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 Fredericksburg 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$1632,354$383,700
Additional Upgrades & Added Features$2042,354$479,625
Major Home Updates or Advancements$2452,354$575,550

It's important to understand that when you estimate your replacement cost of your home in the 22406 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 22406

Allstate Insurance - Suzanne Harding

Address: 20 Plantation Drive Suite 131 Fredericksburg, VA 22406
Phone: (540)899-3600
Website:

Best Home & Auto Insurance Agencies in 22406

Jarrett E Bailey Ins Ag Inc - State Farm Insurance Agent

Address: 29 Banks Ford Pky Fredericksburg, VA 22406
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=463357
Info:

Allstate Insurance - Suzanne Harding

Address: 20 Plantation Dr, #131 Fredericksburg, VA 22406
Phone:
Website:
Info:

Geico Insurance

Address: 1 Geico Blvd Fredericksburg, VA 22406
Phone:
Website:
Info:

Housing Demographics for 22406

Population Review for 22406 Zip Code

For the city of Fredericksburg, the population within 22406 has increased to over 29,412 residents in population size. The current population total is 27,129. We have broken down the population based on race below. In 22406, there are over 13055 in male population and 14074 females.

PopulationValues
Total Population27,129
White Population17198
Black Population4729
Hispanic Population2839
Asian Population1126
Hawaiian Population41
Indian Population148
Other Population900
Male Population13055
Female Population14074
Population Estimate29412

Household Data for 22406

The average number of homes in 22406 is around 9,686, there are an average of 2.79 per household. The average house value according to local real estate values is around $383,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,686
Persons Per Household2.79
Average House Value$383,700
Income Per Household$105070
Median Age39.8
Median Age Male38.4
Median Age Female40.9
22406 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias AbbreviationFREDERICKSBRG
Area Code540/826
CityFredericksburg
City Alias NameFREDERICKSBURG
CountyStafford
County FIPS179
State FIPS51
Time Zone5
Day Light SavingY
MSA8872
PMSA8840
CSA548
CBSA47900
CBSA_DIV11694
CBSA_TypeMetro
CBSA_NameWashington-Arlington-Alexandria, DC-VA-MD-WV
MSA_NameWashington-Baltimore, DC-MD-VA-WV CMSA
PMSA_NameWashington, DC-MD-VA-WV PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses526
Number Of Employees8276
Business First Quarter Payroll86529
Business Annual Payroll390246
Business Employment Flag
Growth Rank96
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number3172
Growth Increase Percentage2.5
Metropolitan DetailsValues
CBSA Population5582170
CBSA Division Population2730639
Congressional District07|10
Congressional LandArea2776.39|1372.24
Delivery Residential10542
Delivery Business544
Delivery Total12650
Preferred Last Line KeyX26669
Classification Code
Multi-CountyY
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameArlington-Alexandria-Reston, VA-WV
City State KeyX26669
Land Area72.706000
Water Area1.374000
City Alias Code
City Mixed CaseFredericksburg
City Alias Mixed CaseFredericksburg
Box Count0
SFDU7569
MFDU767
State ANSI51
County ANSI179
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number513408
Unique ZIP Name
SSA State County Code49890
Medicare CBSA Code47894
Medicare CBSA NameWashington-Arlington-Alexandria, DC-VA-MD-WV
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseStafford

Virginia Homeowners Insurance News & Information

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