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22551 Home Insurance Rates

Getting multiple homeowners insurance rates in 22551 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Spotsylvania, VA. Many homeowners based out of the 22551 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Virginia licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 22551 should appear in the zip code field ready to go. For Spotsylvania, VA Home Insurance Quotes, Click to easily get started!

22551 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 22551 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Spotsylvania. For a basic HO-3, standard homeowners policy, the average premium per year in Virginia is around $852. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 22551 zip code today and let us help you save time and money on your homeowners insurance premium.

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22551 Home Insurance Average Premiums

Local 22551 homeowners insurance quotes comparison

$602 /yr.

Shows Zip Code: 22551 lowest rates with discounts applied on average.

For the 22551, 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)
$602 /yr.
Average Coverage:$852 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1152 /yr.

What is the average home insurance cost for a home in 22551?

  • • The average homeowners insurance premium paid annually for a home in 22551 is around $852 per year.

What does it cost on average per month for home insurance in 22551?

  • • Homeowners in 22551 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 22551?

  • • Autoowners in 22551 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 Spotsylvania area, check out other zip codes nearby 22551.
Review average rates in another zip code:
22553 homeowners insurance rates
22551 homeowners insurance rates

Home Replacement Cost Coverage in 22551

Average Building Cost Per Square Foot in 22551: $163

Location: Spotsylvania, Virginia (Spotsylvania County)

Average Square Footage in 22551: 1,893 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22551 before you start any project. Spotsylvania 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 22551 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 22551 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,893 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 Spotsylvania 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$1631,893$308,600
Additional Upgrades & Added Features$2041,893$385,750
Major Home Updates or Advancements$2451,893$462,900

It's important to understand that when you estimate your replacement cost of your home in the 22551 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 22551

Best Home & Auto Insurance Agencies in 22551

Ohs Tax and Insurance

Address: 15 Granite Springs Road Spotsylvania, VA 22551
Phone:
Website: http://www.richmond.citysearch.com/profile/external/668230470/richmond_va/ohs_tax_and_insurance.html
Info:

Housing Demographics for 22551

Population Review for 22551 Zip Code

For the city of Spotsylvania, the population within 22551 has increased to over 25,219 residents in population size. The current population total is 21,236. We have broken down the population based on race below. In 22551, there are over 10740 in male population and 10496 females.

PopulationValues
Total Population21,236
White Population16411
Black Population2126
Hispanic Population1331
Asian Population287
Hawaiian Population27
Indian Population114
Other Population585
Male Population10740
Female Population10496
Population Estimate25219

Household Data for 22551

The average number of homes in 22551 is around 7,475, there are an average of 2.84 per household. The average house value according to local real estate values is around $308,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,475
Persons Per Household2.84
Average House Value$308,600
Income Per Household$94273
Median Age41.7
Median Age Male41.2
Median Age Female42.4
22551 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code826/540
CitySpotsylvania
City Alias NameSPOTSYLVANIA
CountySpotsylvania
County FIPS177
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 Businesses229
Number Of Employees983
Business First Quarter Payroll8180
Business Annual Payroll40216
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5582170
CBSA Division Population2730639
Congressional District07
Congressional LandArea2776.39
Delivery Residential8880
Delivery Business140
Delivery Total8996
Preferred Last Line KeyX27701
Classification Code
Multi-CountyY
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameArlington-Alexandria-Reston, VA-WV
City State KeyX27701
Land Area168.161000
Water Area1.831000
City Alias Code
City Mixed CaseSpotsylvania
City Alias Mixed CaseSpotsylvania
Box Count0
SFDU7993
MFDU0
State ANSI51
County ANSI177
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number518454
Unique ZIP Name
SSA State County Code49880
Medicare CBSA Code47894
Medicare CBSA NameWashington-Arlington-Alexandria, DC-VA-MD-WV
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseSpotsylvania

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