Get multiple home insurance quotes in 22736. Our licensed 22736, VA agents are ready to serve you.

Compare 22736 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 22736 area? The average homeowners premium in Virginia for a standard homeowners policy is around $797/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 22736 zip code, the population size is around 620 with 212 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 22736.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Richardsville, VA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. VA RateDiscountsSavingsShop Rates
$1,107up to 40% off$443

22736 Home Insurance Average Premiums

Local 22736 homeowners insurance quotes comparison

$547 /yr.

Shows Zip Code: 22736 lowest rates with discounts applied on average.

For the 22736, 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)		$547 /yr.
Average Coverage:$797 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1097 /yr.

What is the average home insurance cost for a home in 22736?

  • • The average homeowners insurance premium paid annually for a home in 22736 is around $797 per year.

What does it cost on average per month for home insurance in 22736?

  • • Homeowners in 22736 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 22736?

  • • Autoowners in 22736 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 Richardsville area, check out other zip codes nearby 22736.
Review average rates in another zip code:
22736 homeowners insurance rates

Home Replacement Cost Coverage in 22736

Average Building Cost Per Square Foot in 22736: $163

Location: Richardsville, Virginia (Culpeper County)

Average Square Footage in 22736: 1,518 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22736 before you start any project. Richardsville 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 22736 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 22736 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,518 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 Richardsville 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$1631,518$247,400
Additional Upgrades & Added Features$2041,518$309,250
Major Home Updates or Advancements$2451,518$371,100

It's important to understand that when you estimate your replacement cost of your home in the 22736 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 22736

Best Home & Auto Insurance Agencies in 22736

Housing Demographics for 22736

Population Review for 22736 Zip Code

For the city of Richardsville, the population within 22736 has increased to over 694 residents in population size. The current population total is 620. We have broken down the population based on race below. In 22736, there are over 313 in male population and 307 females.

PopulationValues
Total Population620
White Population529
Black Population28
Hispanic Population30
Asian Population0
Hawaiian Population0
Indian Population9
Other Population13
Male Population313
Female Population307
Population Estimate694

Household Data for 22736

The average number of homes in 22736 is around 212, there are an average of 2.92 per household. The average house value according to local real estate values is around $247,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode212
Persons Per Household2.92
Average House Value$247,400
Income Per Household$34760
Median Age41.3
Median Age Male41.7
Median Age Female39.3
22736 DetailsValues
StateVA
State Full NameVirginia
City TypeN
City Alias Abbreviation
Area Code540
CityRichardsville
City Alias NameRICHARDSVILLE
CountyCulpeper
County FIPS047
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 Businesses10
Number Of Employees34
Business First Quarter Payroll142
Business Annual Payroll754
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 Residential238
Delivery Business9
Delivery Total247
Preferred Last Line Key006366
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameArlington-Alexandria-Reston, VA-WV
City State Key006366
Land Area24.254000
Water Area0.383000
City Alias Code
City Mixed CaseRichardsville
City Alias Mixed CaseRichardsville
Box Count0
SFDU238
MFDU0
State ANSI51
County ANSI047
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number515160
Unique ZIP Name
SSA State County Code49230
Medicare CBSA Code47894
Medicare CBSA NameWashington-Arlington-Alexandria, DC-VA-MD-WV
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseCulpeper

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