Get multiple home insurance quotes in 22656. Our licensed 22656, VA agents are ready to serve you.

22656 Home Insurance Rates & Premiums

Did you know there are over 5,454 people living within the 22656 zip code area? There are over 1,960 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 22656.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Virginia are on the rise. The estimated average premium is around $782 a year for a standard homeowners insurance policy in Stephenson. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Stephenson, VA Homeowners Insurance Quotes Online

22656 Home Insurance Average Premiums

Local 22656 homeowners insurance quotes comparison

$532 /yr.

Shows Zip Code: 22656 lowest rates with discounts applied on average.

For the 22656, 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)		$532 /yr.
Average Coverage:$782 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1082 /yr.

What is the average home insurance cost for a home in 22656?

  • • The average homeowners insurance premium paid annually for a home in 22656 is around $782 per year.

What does it cost on average per month for home insurance in 22656?

  • • Homeowners in 22656 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 22656?

  • • Autoowners in 22656 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 Stephenson area, check out other zip codes nearby 22656.
Review average rates in another zip code:
22656 homeowners insurance rates

Home Replacement Cost Coverage in 22656

Average Building Cost Per Square Foot in 22656: $163

Location: Stephenson, Virginia (Frederick County)

Average Square Footage in 22656: 1,738 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22656 before you start any project. Stephenson 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 22656 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 22656 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,738 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 Stephenson 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$1631,738$283,300
Additional Upgrades & Added Features$2041,738$354,125
Major Home Updates or Advancements$2451,738$424,950

It's important to understand that when you estimate your replacement cost of your home in the 22656 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 22656

Best Home & Auto Insurance Agencies in 22656

Housing Demographics for 22656

Population Review for 22656 Zip Code

For the city of Stephenson, the population within 22656 has increased to over 6,332 residents in population size. The current population total is 5,454. We have broken down the population based on race below. In 22656, there are over 2688 in male population and 2766 females.

PopulationValues
Total Population5,454
White Population4306
Black Population263
Hispanic Population490
Asian Population221
Hawaiian Population3
Indian Population13
Other Population176
Male Population2688
Female Population2766
Population Estimate6332

Household Data for 22656

The average number of homes in 22656 is around 1,960, there are an average of 2.78 per household. The average house value according to local real estate values is around $283,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,960
Persons Per Household2.78
Average House Value$283,300
Income Per Household$99235
Median Age36.6
Median Age Male36.5
Median Age Female36.7
22656 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code540/826
CityStephenson
City Alias NameSTEPHENSON
CountyFrederick
County FIPS069
State FIPS51
Time Zone5
Day Light SavingY
MSA
PMSA
CSA548
CBSA49020
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWinchester, VA-WV
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses52
Number Of Employees244
Business First Quarter Payroll2713
Business Annual Payroll12668
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population128472
CBSA Division Population0
Congressional District06
Congressional LandArea5930.02
Delivery Residential2278
Delivery Business21
Delivery Total5143
Preferred Last Line KeyX27762
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyX27762
Land Area8.786000
Water Area0.060000
City Alias Code
City Mixed CaseStephenson
City Alias Mixed CaseStephenson
Box Count145
SFDU1248
MFDU0
State ANSI51
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number518580
Unique ZIP Name
SSA State County Code49340
Medicare CBSA Code49020
Medicare CBSA NameWinchester, VA-WV
Medicare CBSA TypeMetro
Market Rating Area ID11
County Mixed CaseFrederick

Virginia Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]