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23192 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 23192 zip code it's important to know that our rates are very competitive for homeowners living in Montpelier, VA. Many homeowners based out of your 23192 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 23192 should appear in the zip code field ready to go. For Montpelier, VA Homeowners Insurance Quotes nearby, we offer the best rates and service.

23192: Average Home Insurance Rates

For homeowners living in the great city of Montpelier, the average homeowners policy is considered medium in comparison to other states. Virginia premiums are estimated to be around $845 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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23192 Home Insurance Average Premiums

Local 23192 homeowners insurance quotes comparison

$595 /yr.

Shows Zip Code: 23192 lowest rates with discounts applied on average.

For the 23192, 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)		$595 /yr.
Average Coverage:$845 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1145 /yr.

What is the average home insurance cost for a home in 23192?

  • • The average homeowners insurance premium paid annually for a home in 23192 is around $845 per year.

What does it cost on average per month for home insurance in 23192?

  • • Homeowners in 23192 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 23192?

  • • Autoowners in 23192 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 Montpelier area, check out other zip codes nearby 23192.
Review average rates in another zip code:
23192 homeowners insurance rates

Home Replacement Cost Coverage in 23192

Average Building Cost Per Square Foot in 23192: $163

Location: Montpelier, Virginia (Hanover County)

Average Square Footage in 23192: 1,877 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23192 before you start any project. Montpelier 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 23192 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 23192 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,877 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 Montpelier 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$1631,877$306,000
Additional Upgrades & Added Features$2041,877$382,500
Major Home Updates or Advancements$2451,877$459,000

It's important to understand that when you estimate your replacement cost of your home in the 23192 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 23192

Best Home & Auto Insurance Agencies in 23192

Housing Demographics for 23192

Population Review for 23192 Zip Code

For the city of Montpelier, the population within 23192 has increased to over 7,000 residents in population size. The current population total is 6,592. We have broken down the population based on race below. In 23192, there are over 3304 in male population and 3288 females.

PopulationValues
Total Population6,592
White Population5463
Black Population737
Hispanic Population128
Asian Population41
Hawaiian Population0
Indian Population18
Other Population58
Male Population3304
Female Population3288
Population Estimate7000

Household Data for 23192

The average number of homes in 23192 is around 2,509, there are an average of 2.62 per household. The average house value according to local real estate values is around $306,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,509
Persons Per Household2.62
Average House Value$306,000
Income Per Household$88643
Median Age49.5
Median Age Male48.3
Median Age Female50.5
23192 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code804
CityMontpelier
City Alias NameMONTPELIER
CountyHanover
County FIPS085
State FIPS51
Time Zone5
Day Light SavingY
MSA6760
PMSA
CSA
CBSA40060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRichmond, VA
MSA_NameRichmond-Petersburg, VA MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses146
Number Of Employees910
Business First Quarter Payroll7199
Business Annual Payroll32282
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1258251
CBSA Division Population0
Congressional District05
Congressional LandArea10029.79
Delivery Residential2672
Delivery Business64
Delivery Total2969
Preferred Last Line KeyX27199
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX27199
Land Area67.953000
Water Area0.952000
City Alias Code
City Mixed CaseMontpelier
City Alias Mixed CaseMontpelier
Box Count164
SFDU2671
MFDU0
State ANSI51
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number516064
Unique ZIP Name
SSA State County Code49420
Medicare CBSA Code40060
Medicare CBSA NameRichmond, VA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseHanover

Virginia Homeowners Insurance News & Information

  • 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 […]

  • 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 […]