23225 Home Insurance Rates

Getting multiple homeowners insurance rates in 23225 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Richmond, VA. Many homeowners based out of the 23225 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Virginia licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 23225 should appear in the zip code field ready to go. For Richmond, VA Home Insurance Quotes, Click to easily get started!

23225 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 23225 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Richmond. For a basic HO-3, standard homeowners policy, the average premium per year in Virginia is around $778. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 23225 zip code today and let us help you save time and money on your homeowners insurance premium.

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23225 Home Insurance Average Premiums

Local 23225 homeowners insurance quotes comparison

$528 /yr.

Shows Zip Code: 23225 lowest rates with discounts applied on average.

For the 23225, 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)	$528 /yr.
Average Coverage:	$778 /yr.
2600 sq. ft. or higher (all discounts applied)	$1078 /yr.

What is the average home insurance cost for a home in 23225?

• The average homeowners insurance premium paid annually for a home in 23225 is around $778 per year.

What does it cost on average per month for home insurance in 23225?

• Homeowners in 23225 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 23225?

• Autoowners in 23225 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 23225.
Review average rates in another zip code:
23173 homeowners insurance rates
23230 homeowners insurance rates
23219 homeowners insurance rates
23226 homeowners insurance rates
23235 homeowners insurance rates
23234 homeowners insurance rates
23237 homeowners insurance rates
23222 homeowners insurance rates
23225 homeowners insurance rates
23223 homeowners insurance rates

Home Replacement Cost Coverage in 23225

Average Building Cost Per Square Foot in 23225: $163

Location: Richmond, Virginia (Richmond City County)

Average Square Footage in 23225: 1,482 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23225 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 23225 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 23225 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,482 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$163	1,482	$241,500
Additional Upgrades & Added Features	$204	1,482	$301,875
Major Home Updates or Advancements	$245	1,482	$362,250

Calculate Your Dwelling Coverage in 23225

It's important to understand that when you estimate your replacement cost of your home in the 23225 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 Home & Auto Insurance Agencies in 23225

Butler & Hailey Insurance Agency

Address: 6956 Forest Hill Ave Richmond, VA 23225
Phone:
Website:
Info:

Jones, Darren - A Able Insurance

Address: 125 Turner Road Richmond, VA 23225
Phone:
Website: http://www.ableinsurance.net/
Info:

Mimi Taxi Service

Address: 1410 Cargreen Rd Richmond, VA 23225
Phone:
Website:
Info:

Pryor Jr- Alan H - State Farm Insurance Agent

Address: 6970 Forest Hill Ave Richmond, VA 23225
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

A Able Insurance

Address: 125 Turner Rd Richmond, VA 23225
Phone:
Website: http://www.ableinsurance.net
Info:

Housing Demographics for 23225

Population Review for 23225 Zip Code

For the city of Richmond, the population within 23225 has increased to over 43,596 residents in population size. The current population total is 40,876. We have broken down the population based on race below. In 23225, there are over 19039 in male population and 21837 females.

Population	Values
Total Population	40,876
White Population	16354
Black Population	17145
Hispanic Population	5444
Asian Population	759
Hawaiian Population	20
Indian Population	187
Other Population	3521
Male Population	19039
Female Population	21837
Population Estimate	43596

Household Data for 23225

The average number of homes in 23225 is around 19,282, there are an average of 2.08 per household. The average house value according to local real estate values is around $241,500. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	19,282
Persons Per Household	2.08
Average House Value	$241,500
Income Per Household	$56734
Median Age	37.1
Median Age Male	35.6
Median Age Female	38.6

23225 Details	Values
State	VA
State Full Name	Virginia
City Type	P
City Alias Abbreviation
Area Code	804
City	Richmond
City Alias Name	RICHMOND
County	Richmond City
County FIPS	760
State FIPS	51
Time Zone	5
Day Light Saving	Y
MSA	6760
PMSA
CSA
CBSA	40060
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Richmond, VA
MSA_Name	Richmond-Petersburg, VA MSA
PMSA_Name
Region	South
Division	South Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	906
Number Of Employees	18461
Business First Quarter Payroll	237646
Business Annual Payroll	981532
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	1258251
CBSA Division Population	0
Congressional District	01\|04
Congressional LandArea	3684.32\|4310.34
Delivery Residential	20960
Delivery Business	902
Delivery Total	26727
Preferred Last Line Key	X27528
Classification Code
Multi-County	Y
CSA Name
CBSA_DIV_Name
City State Key	X27528
Land Area	13.949000
Water Area	0.652000
City Alias Code
City Mixed Case	Richmond
City Alias Mixed Case	Richmond
Box Count	402
SFDU	12939
MFDU	5583
State ANSI	51
County ANSI	760
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	517650
Unique ZIP Name
SSA State County Code	49791
Medicare CBSA Code	40060
Medicare CBSA Name	Richmond, VA
Medicare CBSA Type	Metro
Market Rating Area ID	7
County Mixed Case	Richmond City

Virginia Homeowners Insurance News & Information

Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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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