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Home Insurance in 23219

Our rates are very competitive for homeowners living in the 23219 zip code. Many homeowners based out of Richmond, 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 23219 should appear in the zip code field ready to go.

23219 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Richmond area? The average homeowners premium in 23219 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 23219, you can expect to pay around $811 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 23219

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 23219 home insurance shopping today!

  1. Richmond, VA Home Insurance Quotes

23219 Home Insurance Average Premiums

Local 23219 homeowners insurance quotes comparison

$561 /yr.

Shows Zip Code: 23219 lowest rates with discounts applied on average.

For the 23219, 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)		$561 /yr.
Average Coverage:$811 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1111 /yr.

What is the average home insurance cost for a home in 23219?

  • • The average homeowners insurance premium paid annually for a home in 23219 is around $811 per year.

What does it cost on average per month for home insurance in 23219?

  • • Homeowners in 23219 pay a monthly average cost per month around $68.00.

What kind of discount could I get if I combine my home and auto insurance together in 23219?

  • • Autoowners in 23219 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 Richmond area, check out other zip codes nearby 23219.
Review average rates in another zip code:
23227 homeowners insurance rates
23225 homeowners insurance rates
23221 homeowners insurance rates
23223 homeowners insurance rates
23230 homeowners insurance rates
23237 homeowners insurance rates
23235 homeowners insurance rates
23219 homeowners insurance rates
23220 homeowners insurance rates
23226 homeowners insurance rates

Home Replacement Cost Coverage in 23219

Average Building Cost Per Square Foot in 23219: $163

Location: Richmond, Virginia (Richmond City County)

Average Square Footage in 23219: 1,352 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23219 before you start any project. Richmond 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 23219 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 23219 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,352 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 Richmond 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$1631,352$220,400
Additional Upgrades & Added Features$2041,352$275,500
Major Home Updates or Advancements$2451,352$330,600

It's important to understand that when you estimate your replacement cost of your home in the 23219 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 23219

Marsh Advantage America

Address: 901 E Byrd St Richmond, VA 23219
Phone: (804)344-8620
Website:

Best Home & Auto Insurance Agencies in 23219

Marsh Advantage America

Address: 901 E Byrd St Richmond, VA 23219
Phone:
Website:
Info:

Farmer E Donald Jr Insurance

Address: 318 E Grace St Richmond, VA 23219
Phone:
Website:
Info:

Steve R Dowdy Ins Agency Inc - State Farm Insurance Agent

Address: 1011 East Main Street Richmond, VA 23219
Phone:
Website: http://www.richmond.citysearch.com/profile/external/46267333/richmond_va/steve_r_dowdy_ins_agcy_inc_state_farm_insurance_agent.html
Info:

Housing Demographics for 23219

Population Review for 23219 Zip Code

For the city of Richmond, the population within 23219 has increased to over 6,716 residents in population size. The current population total is 5,307. We have broken down the population based on race below. In 23219, there are over 2724 in male population and 2583 females.

PopulationValues
Total Population5,307
White Population2679
Black Population1469
Hispanic Population418
Asian Population531
Hawaiian Population4
Indian Population23
Other Population145
Male Population2724
Female Population2583
Population Estimate6716

Household Data for 23219

The average number of homes in 23219 is around 3,531, there are an average of 1.47 per household. The average house value according to local real estate values is around $220,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,531
Persons Per Household1.47
Average House Value$220,400
Income Per Household$54828
Median Age29.2
Median Age Male29.9
Median Age Female28.4
23219 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code804
CityRichmond
City Alias NameRICHMOND
CountyRichmond City
County FIPS760
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 Businesses1019
Number Of Employees23292
Business First Quarter Payroll873631
Business Annual Payroll2987622
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 District04
Congressional LandArea4310.34
Delivery Residential4569
Delivery Business1331
Delivery Total5880
Preferred Last Line KeyX27528
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX27528
Land Area1.327000
Water Area0.151000
City Alias Code
City Mixed CaseRichmond
City Alias Mixed CaseRichmond
Box Count0
SFDU256
MFDU3932
State ANSI51
County ANSI760
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number517650
Unique ZIP Name
SSA State County Code49791
Medicare CBSA Code40060
Medicare CBSA NameRichmond, VA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseRichmond City

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 […]