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Home Insurance in 23071

Our rates are very competitive for homeowners living in the 23071 zip code. Many homeowners based out of Hartfield, VA 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 VA 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 23071 should appear in the zip code field ready to go.

23071 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Hartfield area? The average homeowners premium in 23071 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 23071, you can expect to pay around $864 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 23071

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Virginia. Start your 23071 home insurance shopping today!

  1. Hartfield, VA Home Insurance Quotes

23071 Home Insurance Average Premiums

Local 23071 homeowners insurance quotes comparison

$614 /yr.

Shows Zip Code: 23071 lowest rates with discounts applied on average.

For the 23071, 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)
$614 /yr.
Average Coverage:$864 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1164 /yr.

What is the average home insurance cost for a home in 23071?

  • • The average homeowners insurance premium paid annually for a home in 23071 is around $864 per year.

What does it cost on average per month for home insurance in 23071?

  • • Homeowners in 23071 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 23071?

  • • Autoowners in 23071 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 Hartfield area, check out other zip codes nearby 23071.
Review average rates in another zip code:
23071 homeowners insurance rates

Home Replacement Cost Coverage in 23071

Average Building Cost Per Square Foot in 23071: $163

Location: Hartfield, Virginia (Middlesex County)

Average Square Footage in 23071: 1,645 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23071 before you start any project. Hartfield 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 23071 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 23071 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,645 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 Hartfield 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$1631,645$268,200
Additional Upgrades & Added Features$2041,645$335,250
Major Home Updates or Advancements$2451,645$402,300

It's important to understand that when you estimate your replacement cost of your home in the 23071 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 23071

Best Home & Auto Insurance Agencies in 23071

Housing Demographics for 23071

Population Review for 23071 Zip Code

For the city of Hartfield, the population within 23071 has increased to over 1,680 residents in population size. The current population total is 1,567. We have broken down the population based on race below. In 23071, there are over 777 in male population and 790 females.

PopulationValues
Total Population1,567
White Population1344
Black Population115
Hispanic Population25
Asian Population4
Hawaiian Population2
Indian Population3
Other Population10
Male Population777
Female Population790
Population Estimate1680

Household Data for 23071

The average number of homes in 23071 is around 718, there are an average of 2.18 per household. The average house value according to local real estate values is around $268,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode718
Persons Per Household2.18
Average House Value$268,200
Income Per Household$64125
Median Age56.5
Median Age Male55.9
Median Age Female56.6
23071 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code804
CityHartfield
City Alias NameHARTFIELD
CountyMiddlesex
County FIPS119
State FIPS51
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses40
Number Of Employees193
Business First Quarter Payroll1388
Business Annual Payroll6525
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01
Congressional LandArea3684.32
Delivery Residential771
Delivery Business27
Delivery Total1032
Preferred Last Line KeyX26803
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX26803
Land Area12.201000
Water Area3.468000
City Alias Code
City Mixed CaseHartfield
City Alias Mixed CaseHartfield
Box Count202
SFDU718
MFDU0
State ANSI51
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number514080
Unique ZIP Name
SSA State County Code49590
Medicare CBSA Code99949
Medicare CBSA NameRural Areas in VA
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CaseMiddlesex

Virginia Homeowners Insurance News & Information

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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 […]

  • 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 […]