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22846 Home Insurance Rates & Premiums

Did you know there are over 2,254 people living within the 22846 zip code area? There are over 773 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 22846.

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 $800 a year for a standard homeowners insurance policy in Penn Laird. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Penn Laird, VA Homeowners Insurance Quotes Online

22846 Home Insurance Average Premiums

Local 22846 homeowners insurance quotes comparison

$550 /yr.

Shows Zip Code: 22846 lowest rates with discounts applied on average.

For the 22846, 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)		$550 /yr.
Average Coverage:$800 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1100 /yr.

What is the average home insurance cost for a home in 22846?

  • • The average homeowners insurance premium paid annually for a home in 22846 is around $800 per year.

What does it cost on average per month for home insurance in 22846?

  • • Homeowners in 22846 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 22846?

  • • Autoowners in 22846 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 Penn Laird area, check out other zip codes nearby 22846.
Review average rates in another zip code:
22846 homeowners insurance rates

Home Replacement Cost Coverage in 22846

Average Building Cost Per Square Foot in 22846: $163

Location: Penn Laird, Virginia (Rockingham County)

Average Square Footage in 22846: 2,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 22846 before you start any project. Penn Laird 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 22846 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 22846 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,134 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 Penn Laird 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$1632,134$347,900
Additional Upgrades & Added Features$2042,134$434,875
Major Home Updates or Advancements$2452,134$521,850

It's important to understand that when you estimate your replacement cost of your home in the 22846 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 22846

Best Home & Auto Insurance Agencies in 22846

Housing Demographics for 22846

Population Review for 22846 Zip Code

For the city of Penn Laird, the population within 22846 has increased to over 2,177 residents in population size. The current population total is 2,254. We have broken down the population based on race below. In 22846, there are over 1089 in male population and 1165 females.

PopulationValues
Total Population2,254
White Population1909
Black Population37
Hispanic Population221
Asian Population76
Hawaiian Population0
Indian Population1
Other Population96
Male Population1089
Female Population1165
Population Estimate2177

Household Data for 22846

The average number of homes in 22846 is around 773, there are an average of 2.81 per household. The average house value according to local real estate values is around $347,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode773
Persons Per Household2.81
Average House Value$347,900
Income Per Household$100402
Median Age39.7
Median Age Male39.7
Median Age Female39.7
22846 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code540/826
CityPenn Laird
City Alias NamePENN LAIRD
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 Businesses46
Number Of Employees320
Business First Quarter Payroll2369
Business Annual Payroll11178
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 Residential775
Delivery Business36
Delivery Total917
Preferred Last Line KeyX27405
Classification Code
Multi-County
CSA NameHarrisonburg-Staunton-Stuarts Draft, VA
CBSA_DIV_Name
City State KeyX27405
Land Area11.122000
Water Area0.021000
City Alias Code
City Mixed CasePenn Laird
City Alias Mixed CasePenn Laird
Box Count68
SFDU775
MFDU0
State ANSI51
County ANSI165
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number517056
Unique ZIP Name
SSA State County Code49820
Medicare CBSA Code25500
Medicare CBSA NameHarrisonburg, VA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseRockingham

Virginia Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]