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23230 Home Insurance Rates & Premiums

Did you know there are over 8,263 people living within the 23230 zip code area? There are over 4,425 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 23230.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Virginia are on the rise. The estimated average premium is around $869 a year for a standard homeowners insurance policy in Richmond. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Richmond, VA Homeowners Insurance Quotes Online

23230 Home Insurance Average Premiums

Local 23230 homeowners insurance quotes comparison

$619 /yr.

Shows Zip Code: 23230 lowest rates with discounts applied on average.

For the 23230, 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)		$619 /yr.
Average Coverage:$869 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1169 /yr.

What is the average home insurance cost for a home in 23230?

  • • The average homeowners insurance premium paid annually for a home in 23230 is around $869 per year.

What does it cost on average per month for home insurance in 23230?

  • • Homeowners in 23230 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 23230?

  • • Autoowners in 23230 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 23230.
Review average rates in another zip code:
23236 homeowners insurance rates
23234 homeowners insurance rates
23227 homeowners insurance rates
23219 homeowners insurance rates
23226 homeowners insurance rates
23221 homeowners insurance rates
23223 homeowners insurance rates
23230 homeowners insurance rates
23173 homeowners insurance rates
23224 homeowners insurance rates

Home Replacement Cost Coverage in 23230

Average Building Cost Per Square Foot in 23230: $163

Location: Richmond, Virginia (Henrico County)

Average Square Footage in 23230: 1,655 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23230 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 23230 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 23230 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,655 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$1631,655$269,700
Additional Upgrades & Added Features$2041,655$337,125
Major Home Updates or Advancements$2451,655$404,550

It's important to understand that when you estimate your replacement cost of your home in the 23230 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 23230

Commonwealth Surety Assoc

Address: 1804 Staples Mill Rd Richmond, VA 23230
Phone: (804)231-1151
Website:

James Coleman Agency

Address: 4118 W Broad St # A Richmond, VA 23230
Phone: (804)213-4255
Website:

Allstate Insurance - Brenda Tribble

Address: 5905 W Broad St Suite 203 Richmond, VA 23230
Phone: (804)285-2091
Website:

Best Home & Auto Insurance Agencies in 23230

Sobrito & Diservio Insurance Agency Incorporated

Address: 2724 West Broad Street Richmond, VA 23230
Phone:
Website:
Info:

Insurance Doctor Agency of Richmond, Incorporated

Address: 1700 Willow Lawn Drive Richmond, VA 23230
Phone:
Website: http://www.myinsurancedoctor.com/
Info:

Commonwealth Surety Assoc

Address: 1804 Staples Mill Rd Richmond, VA 23230
Phone:
Website:
Info:

James Coleman Agency

Address: 4118 W Broad St Richmond, VA 23230
Phone:
Website:
Info:

Commonwealth Dealers Life Insurance Co.

Address: 6999 W Broad St Richmond, VA 23230
Phone:
Website: http://www.commonwealthdealerslife.com
Info:

Housing Demographics for 23230

Population Review for 23230 Zip Code

For the city of Richmond, the population within 23230 has increased to over 13,658 residents in population size. The current population total is 8,263. We have broken down the population based on race below. In 23230, there are over 4215 in male population and 4048 females.

PopulationValues
Total Population8,263
White Population5669
Black Population946
Hispanic Population821
Asian Population585
Hawaiian Population4
Indian Population24
Other Population434
Male Population4215
Female Population4048
Population Estimate13658

Household Data for 23230

The average number of homes in 23230 is around 4,425, there are an average of 1.85 per household. The average house value according to local real estate values is around $269,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,425
Persons Per Household1.85
Average House Value$269,700
Income Per Household$64981
Median Age33.5
Median Age Male32.8
Median Age Female34.5
23230 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code804
CityRichmond
City Alias NameRICHMOND
CountyHenrico
County FIPS087
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 Businesses1571
Number Of Employees39018
Business First Quarter Payroll816420
Business Annual Payroll2941374
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 District01|04
Congressional LandArea3684.32|4310.34
Delivery Residential7383
Delivery Business1757
Delivery Total10134
Preferred Last Line KeyX27528
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX27528
Land Area4.258000
Water Area0.030000
City Alias Code
City Mixed CaseRichmond
City Alias Mixed CaseRichmond
Box Count130
SFDU2087
MFDU3627
State ANSI51
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number517650
Unique ZIP Name
SSA State County Code49430
Medicare CBSA Code40060
Medicare CBSA NameRichmond, VA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseHenrico

Virginia Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]