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23093 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 23093? There are over 5,501 occupied homes in the 23093 area. With a population size of 14,170, it's not uncommon for residence of Louisa, 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 $790 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 23093 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: Louisa, VA Home Insurance Rate Quotes

23093 Home Insurance Average Premiums

Local 23093 homeowners insurance quotes comparison

$540 /yr.

Shows Zip Code: 23093 lowest rates with discounts applied on average.

For the 23093, 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)		$540 /yr.
Average Coverage:$790 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1090 /yr.

What is the average home insurance cost for a home in 23093?

  • • The average homeowners insurance premium paid annually for a home in 23093 is around $790 per year.

What does it cost on average per month for home insurance in 23093?

  • • Homeowners in 23093 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 23093?

  • • Autoowners in 23093 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 Louisa area, check out other zip codes nearby 23093.
Review average rates in another zip code:
23093 homeowners insurance rates

Home Replacement Cost Coverage in 23093

Average Building Cost Per Square Foot in 23093: $163

Location: Louisa, Virginia (Louisa County)

Average Square Footage in 23093: 1,317 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23093 before you start any project. Louisa 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 23093 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 23093 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,317 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 Louisa 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$1631,317$214,700
Additional Upgrades & Added Features$2041,317$268,375
Major Home Updates or Advancements$2451,317$322,050

It's important to understand that when you estimate your replacement cost of your home in the 23093 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 23093

Best Home & Auto Insurance Agencies in 23093

Mehlhaff- John B

Address: 405 E Main St Louisa, VA 23093
Phone:
Website:
Info:

Housing Demographics for 23093

Population Review for 23093 Zip Code

For the city of Louisa, the population within 23093 has increased to over 15,526 residents in population size. The current population total is 14,170. We have broken down the population based on race below. In 23093, there are over 6853 in male population and 7317 females.

PopulationValues
Total Population14,170
White Population9992
Black Population2857
Hispanic Population511
Asian Population80
Hawaiian Population4
Indian Population53
Other Population234
Male Population6853
Female Population7317
Population Estimate15526

Household Data for 23093

The average number of homes in 23093 is around 5,501, there are an average of 2.56 per household. The average house value according to local real estate values is around $214,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,501
Persons Per Household2.56
Average House Value$214,700
Income Per Household$62449
Median Age43.4
Median Age Male42.8
Median Age Female44.0
23093 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code540
CityLouisa
City Alias NameLOUISA
CountyLouisa
County FIPS109
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 Businesses275
Number Of Employees2433
Business First Quarter Payroll22934
Business Annual Payroll100252
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 District05
Congressional LandArea10029.79
Delivery Residential6065
Delivery Business182
Delivery Total6855
Preferred Last Line KeyX27030
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX27030
Land Area203.413000
Water Area1.788000
City Alias Code
City Mixed CaseLouisa
City Alias Mixed CaseLouisa
Box Count421
SFDU5618
MFDU42
State ANSI51
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number515334
Unique ZIP Name
SSA State County Code49540
Medicare CBSA Code99949
Medicare CBSA NameRural Areas in VA
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseLouisa

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