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22801 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 22801 zip code find a great new policy that offers the coverage they need at a price they can afford.
GetHomeInsuranceQuotes.com makes shopping for a new policy in Harrisonburg, VA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 22801.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 22801 and start shopping.
Quickly and Easily Compare Average Rates for 22801
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Harrisonburg, VA home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 22801
Homeowners in Harrisonburg are paying roughly $788 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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22801 Home Insurance Average Premiums
$538 /yr.
Shows Zip Code: 22801 lowest rates with discounts applied on average.
For the 22801, 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) | $538 /yr. |
| Average Coverage: | $788 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1088 /yr. |
What is the average home insurance cost for a home in 22801?
- • The average homeowners insurance premium paid annually for a home in 22801 is around $788 per year.
What does it cost on average per month for home insurance in 22801?
- • Homeowners in 22801 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 22801?
- • Autoowners in 22801 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 Harrisonburg area, check out other zip codes nearby 22801.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 22801
Average Building Cost Per Square Foot in 22801: $163
Location: Harrisonburg, Virginia (Harrisonburg City County)Average Square Footage in 22801: 1,752 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 22801 before you start any project. Harrisonburg 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 22801 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 22801 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,752 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 Harrisonburg 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $163 | 1,752 | $285,600 |
| Additional Upgrades & Added Features | $204 | 1,752 | $357,000 |
| Major Home Updates or Advancements | $245 | 1,752 | $428,400 |
It's important to understand that when you estimate your replacement cost of your home in the 22801 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 22801
Showalter Insurance Agency
Address: 58 Kenmore Street Harrisonburg, VA 22801Phone: (540)434-5931
Website: www.showalter-ins.com
F&M Shomo & Lineweaver
Address: 57 S Main St Harrisonburg, VA 22801Phone: (540)743-6589
Website:
Covenant Insurance Service Inc
Address: 370 Neff Ave Harrisonburg, VA 22801Phone: (540)442-6070
Website: www.covenant-insurance.com
Best Home & Auto Insurance Agencies in 22801
Dennis C Blackwell Ins Agy Inc - State Farm Insurance Agent
Address: 119 S Carlton St Harrisonburg, VA 22801Phone:
Website: http://www.statefarm.com
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State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Layman Diener & Borntrager Insurance Agency
Address: 205 S Liberty St Harrisonburg, VA 22801Phone:
Website:
Info:
Courtney Litchford Ins Agy Inc - State Farm Insurance Agent
Address: 1880 Reservoir St Harrisonburg, VA 22801Phone:
Website: http://www.statefarm.com
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State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
New York Life Insurance CO
Address: 39 Southgate Ct Harrisonburg, VA 22801Phone:
Website: http://www.newyorklife.com
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F&M Shomo & Lineweaver
Address: 57 S Main St Harrisonburg, VA 22801Phone:
Website:
Info:
Housing Demographics for 22801
Population Review for 22801 Zip Code
For the city of Harrisonburg, the population within 22801 has increased to over 44,849 residents in population size. The current population total is 40,460. We have broken down the population based on race below. In 22801, there are over 19446 in male population and 21014 females.
| Population | Values |
|---|---|
| Total Population | 40,460 |
| White Population | 28603 |
| Black Population | 2472 |
| Hispanic Population | 7579 |
| Asian Population | 1731 |
| Hawaiian Population | 17 |
| Indian Population | 247 |
| Other Population | 3756 |
| Male Population | 19446 |
| Female Population | 21014 |
| Population Estimate | 44849 |
Household Data for 22801
The average number of homes in 22801 is around 15,304, there are an average of 2.55 per household. The average house value according to local real estate values is around $285,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 15,304 |
| Persons Per Household | 2.55 |
| Average House Value | $285,600 |
| Income Per Household | $60540 |
| Median Age | 26.9 |
| Median Age Male | 27.1 |
| Median Age Female | 26.7 |
| 22801 Details | Values |
|---|---|
| State | VA |
| State Full Name | Virginia |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 540/826 |
| City | Harrisonburg |
| City Alias Name | HARRISONBURG |
| County | Harrisonburg City |
| County FIPS | 660 |
| State FIPS | 51 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 277 |
| CBSA | 25500 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Harrisonburg, VA |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1529 |
| Number Of Employees | 22631 |
| Business First Quarter Payroll | 235300 |
| Business Annual Payroll | 1032960 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 125228 |
| CBSA Division Population | 0 |
| Congressional District | 06 |
| Congressional LandArea | 5930.02 |
| Delivery Residential | 17588 |
| Delivery Business | 1753 |
| Delivery Total | 19197 |
| Preferred Last Line Key | X26801 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Harrisonburg-Staunton-Stuarts Draft, VA |
| CBSA_DIV_Name | |
| City State Key | X26801 |
| Land Area | 33.923000 |
| Water Area | 0.119000 |
| City Alias Code | |
| City Mixed Case | Harrisonburg |
| City Alias Mixed Case | Harrisonburg |
| Box Count | 190 |
| SFDU | 8799 |
| MFDU | 3443 |
| State ANSI | 51 |
| County ANSI | 660 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 514062 |
| Unique ZIP Name | |
| SSA State County Code | 49421 |
| Medicare CBSA Code | 25500 |
| Medicare CBSA Name | Harrisonburg, VA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 4 |
| County Mixed Case | Harrisonburg City |
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