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22827 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 22827 zip code it's important to know that our rates are very competitive for homeowners living in Elkton, VA. Many homeowners based out of your 22827 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Virginia licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 22827 should appear in the zip code field ready to go. For Elkton, VA Homeowners Insurance Quotes nearby, we offer the best rates and service.

22827: Average Home Insurance Rates

For homeowners living in the great city of Elkton, the average homeowners policy is considered medium in comparison to other states. Virginia premiums are estimated to be around $791 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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22827 Home Insurance Average Premiums

Local 22827 homeowners insurance quotes comparison

$541 /yr.

Shows Zip Code: 22827 lowest rates with discounts applied on average.

For the 22827, 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)		$541 /yr.
Average Coverage:$791 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1091 /yr.

What is the average home insurance cost for a home in 22827?

  • • The average homeowners insurance premium paid annually for a home in 22827 is around $791 per year.

What does it cost on average per month for home insurance in 22827?

  • • Homeowners in 22827 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 22827?

  • • Autoowners in 22827 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 Elkton area, check out other zip codes nearby 22827.
Review average rates in another zip code:
22827 homeowners insurance rates

Home Replacement Cost Coverage in 22827

Average Building Cost Per Square Foot in 22827: $163

Location: Elkton, Virginia (Rockingham County)

Average Square Footage in 22827: 1,172 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22827 before you start any project. Elkton 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 22827 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 22827 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,172 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 Elkton 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$1631,172$191,000
Additional Upgrades & Added Features$2041,172$238,750
Major Home Updates or Advancements$2451,172$286,500

It's important to understand that when you estimate your replacement cost of your home in the 22827 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 22827

Best Home & Auto Insurance Agencies in 22827

Hensley's Insurance Agency

Address: 179 W Spotswood Ave Elkton, VA 22827
Phone:
Website:
Info:

Housing Demographics for 22827

Population Review for 22827 Zip Code

For the city of Elkton, the population within 22827 has increased to over 11,245 residents in population size. The current population total is 10,769. We have broken down the population based on race below. In 22827, there are over 5400 in male population and 5369 females.

PopulationValues
Total Population10,769
White Population9799
Black Population290
Hispanic Population464
Asian Population58
Hawaiian Population3
Indian Population14
Other Population192
Male Population5400
Female Population5369
Population Estimate11245

Household Data for 22827

The average number of homes in 22827 is around 4,399, there are an average of 2.45 per household. The average house value according to local real estate values is around $191,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,399
Persons Per Household2.45
Average House Value$191,000
Income Per Household$57826
Median Age44.3
Median Age Male43.7
Median Age Female45.1
22827 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code540
CityElkton
City Alias NameELKTON
CountyRockingham
County FIPS165
State FIPS51
Time Zone5
Day Light SavingY
MSA
PMSA
CSA277
CBSA25500
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHarrisonburg, VA
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses179
Number Of Employees3033
Business First Quarter Payroll57676
Business Annual Payroll219332
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population125228
CBSA Division Population0
Congressional District06
Congressional LandArea5930.02
Delivery Residential4590
Delivery Business192
Delivery Total5137
Preferred Last Line KeyX26562
Classification Code
Multi-CountyY
CSA NameHarrisonburg-Staunton-Stuarts Draft, VA
CBSA_DIV_Name
City State KeyX26562
Land Area158.848000
Water Area0.935000
City Alias Code
City Mixed CaseElkton
City Alias Mixed CaseElkton
Box Count227
SFDU4266
MFDU54
State ANSI51
County ANSI165
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number512928
Unique ZIP Name
SSA State County Code49820
Medicare CBSA Code25500
Medicare CBSA NameHarrisonburg, VA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseRockingham

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