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22960 Home Insurance Quotes, Rates & Coverage
Are you looking for the right homeowners insurance policy at an affordable price for your home in 22960? There are over 4,347 occupied homes in the 22960 area. With a population size of 11,067, it's not uncommon for residence of Orange, VA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Virginia is around $785 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 22960 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.
For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Orange, VA Home Insurance Rate Quotes
22960 Home Insurance Average Premiums
$535 /yr.
Shows Zip Code: 22960 lowest rates with discounts applied on average.
For the 22960, 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) | $535 /yr. |
| Average Coverage: | $785 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1085 /yr. |
What is the average home insurance cost for a home in 22960?
- • The average homeowners insurance premium paid annually for a home in 22960 is around $785 per year.
What does it cost on average per month for home insurance in 22960?
- • Homeowners in 22960 pay a monthly average cost per month around $65.00.
What kind of discount could I get if I combine my home and auto insurance together in 22960?
- • Autoowners in 22960 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 Orange area, check out other zip codes nearby 22960.
Review average rates in another zip code:
22960 homeowners insurance rates
Home Replacement Cost Coverage in 22960
Average Building Cost Per Square Foot in 22960: $163
Location: Orange, Virginia (Orange County)Average Square Footage in 22960: 1,494 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 22960 before you start any project. Orange 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 22960 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 22960 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,494 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 Orange 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 | 1,494 | $243,600 |
| Additional Upgrades & Added Features | $204 | 1,494 | $304,500 |
| Major Home Updates or Advancements | $245 | 1,494 | $365,400 |
It's important to understand that when you estimate your replacement cost of your home in the 22960 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 22960
Hubert C. Compton Agency
Address: 185 Madison Rd Orange, VA 22960Phone: (540)672-3605
Website:
Best Home & Auto Insurance Agencies in 22960
Ron Adams Agency
Address: 185 N James Madison Hwy Orange, VA 22960Phone:
Website:
Info:
Orange Insurance Services LLC
Address: 149 Byrd St Orange, VA 22960Phone:
Website:
Info:
Hubert C. Compton Agency
Address: 185 N Madison Rd Orange, VA 22960Phone:
Website:
Info:
Nicholson- Lloyd T
Address: 116 E Main St Orange, VA 22960Phone:
Website:
Info:
Modena- R Wayne - State Farm Insurance Agent
Address: 130 N Madison Rd Orange, VA 22960Phone:
Website: http://www.waynemodena.com
Info:
Housing Demographics for 22960
Population Review for 22960 Zip Code
For the city of Orange, the population within 22960 has increased to over 11,588 residents in population size. The current population total is 11,067. We have broken down the population based on race below. In 22960, there are over 5253 in male population and 5814 females.
| Population | Values |
|---|---|
| Total Population | 11,067 |
| White Population | 8050 |
| Black Population | 1875 |
| Hispanic Population | 601 |
| Asian Population | 67 |
| Hawaiian Population | 4 |
| Indian Population | 49 |
| Other Population | 314 |
| Male Population | 5253 |
| Female Population | 5814 |
| Population Estimate | 11588 |
Household Data for 22960
The average number of homes in 22960 is around 4,347, there are an average of 2.49 per household. The average house value according to local real estate values is around $243,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,347 |
| Persons Per Household | 2.49 |
| Average House Value | $243,600 |
| Income Per Household | $64650 |
| Median Age | 43.1 |
| Median Age Male | 41.2 |
| Median Age Female | 45.2 |
| 22960 Details | Values |
|---|---|
| State | VA |
| State Full Name | Virginia |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 540/826 |
| City | Orange |
| City Alias Name | ORANGE |
| County | Orange |
| County FIPS | 137 |
| State FIPS | 51 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 548 |
| CBSA | 29470 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Lake of the Woods, VA |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 283 |
| Number Of Employees | 2763 |
| Business First Quarter Payroll | 25646 |
| Business Annual Payroll | 112945 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 07 |
| Congressional LandArea | 2776.39 |
| Delivery Residential | 4654 |
| Delivery Business | 326 |
| Delivery Total | 5494 |
| Preferred Last Line Key | X27369 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA |
| CBSA_DIV_Name | |
| City State Key | X27369 |
| Land Area | 121.864000 |
| Water Area | 2.085000 |
| City Alias Code | |
| City Mixed Case | Orange |
| City Alias Mixed Case | Orange |
| Box Count | 384 |
| SFDU | 4010 |
| MFDU | 291 |
| State ANSI | 51 |
| County ANSI | 137 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 516756 |
| Unique ZIP Name | |
| SSA State County Code | 49680 |
| Medicare CBSA Code | 99949 |
| Medicare CBSA Name | Rural Areas in VA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 12 |
| County Mixed Case | Orange |
Virginia Homeowners Insurance News & Information
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
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 […]
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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 […]
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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 […]