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Compare 22740 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Sperryville just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 576 neighbors looking to save on their home insurance policy in the local 22740 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 22740. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Virginia rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Sperryville, VA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Sperryville, VA

22740 Home Insurance Average Premiums

Local 22740 homeowners insurance quotes comparison

$557 /yr.

Shows Zip Code: 22740 lowest rates with discounts applied on average.

For the 22740, 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)		$557 /yr.
Average Coverage:$807 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1107 /yr.

What is the average home insurance cost for a home in 22740?

  • • The average homeowners insurance premium paid annually for a home in 22740 is around $807 per year.

What does it cost on average per month for home insurance in 22740?

  • • Homeowners in 22740 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 22740?

  • • Autoowners in 22740 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 Sperryville area, check out other zip codes nearby 22740.
Review average rates in another zip code:
22740 homeowners insurance rates

Home Replacement Cost Coverage in 22740

Average Building Cost Per Square Foot in 22740: $163

Location: Sperryville, Virginia (Rappahannock County)

Average Square Footage in 22740: 2,152 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22740 before you start any project. Sperryville 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 22740 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 22740 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,152 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 Sperryville 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$1632,152$350,700
Additional Upgrades & Added Features$2042,152$438,375
Major Home Updates or Advancements$2452,152$526,050

It's important to understand that when you estimate your replacement cost of your home in the 22740 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 22740

Best Home & Auto Insurance Agencies in 22740

Housing Demographics for 22740

Population Review for 22740 Zip Code

For the city of Sperryville, the population within 22740 has increased to over 1,180 residents in population size. The current population total is 1,240. We have broken down the population based on race below. In 22740, there are over 643 in male population and 597 females.

PopulationValues
Total Population1,240
White Population1070
Black Population36
Hispanic Population80
Asian Population18
Hawaiian Population0
Indian Population3
Other Population21
Male Population643
Female Population597
Population Estimate1180

Household Data for 22740

The average number of homes in 22740 is around 576, there are an average of 2.15 per household. The average house value according to local real estate values is around $350,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode576
Persons Per Household2.15
Average House Value$350,700
Income Per Household$82167
Median Age52.7
Median Age Male50.3
Median Age Female54.3
22740 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code540
CitySperryville
City Alias NameSPERRYVILLE
CountyRappahannock
County FIPS157
State FIPS51
Time Zone5
Day Light SavingY
MSA
PMSA
CSA548
CBSA47900
CBSA_DIV11694
CBSA_TypeMetro
CBSA_NameWashington-Arlington-Alexandria, DC-VA-MD-WV
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses36
Number Of Employees168
Business First Quarter Payroll1365
Business Annual Payroll6647
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|10
Congressional LandArea2776.39|1372.24
Delivery Residential549
Delivery Business28
Delivery Total839
Preferred Last Line KeyX27695
Classification Code
Multi-CountyY
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameArlington-Alexandria-Reston, VA-WV
City State KeyX27695
Land Area73.549000
Water Area0.042000
City Alias Code
City Mixed CaseSperryville
City Alias Mixed CaseSperryville
Box Count210
SFDU549
MFDU0
State ANSI51
County ANSI157
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number518442
Unique ZIP Name
SSA State County Code49780
Medicare CBSA Code47894
Medicare CBSA NameWashington-Arlington-Alexandria, DC-VA-MD-WV
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseRappahannock

Virginia Homeowners Insurance News & Information

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]