23236, VA Homeowners Insurance Rates

With a population size of 27,516 and with 10,538 occupied homes in the 23236 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Richmond, VA are around $794 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Richmond, Virginia. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Virginia home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Richmond, VA.

For Virginia home insurance information, including average Richmond home insurance rates, coverage options or the different homeowners insurance types, please select Richmond, VA Home Insurance Quotes Now!

23236 Home Insurance Average Premiums

Local 23236 homeowners insurance quotes comparison

$544 /yr.

Shows Zip Code: 23236 lowest rates with discounts applied on average.

For the 23236, 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)	$544 /yr.
Average Coverage:	$794 /yr.
2600 sq. ft. or higher (all discounts applied)	$1094 /yr.

What is the average home insurance cost for a home in 23236?

• The average homeowners insurance premium paid annually for a home in 23236 is around $794 per year.

What does it cost on average per month for home insurance in 23236?

• Homeowners in 23236 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 23236?

• Autoowners in 23236 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 23236.
Review average rates in another zip code:
23223 homeowners insurance rates
23219 homeowners insurance rates
23173 homeowners insurance rates
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23224 homeowners insurance rates
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23234 homeowners insurance rates
23235 homeowners insurance rates

Home Replacement Cost Coverage in 23236

Average Building Cost Per Square Foot in 23236: $163

Location: Richmond, Virginia (Chesterfield County)

Average Square Footage in 23236: 1,513 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23236 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 23236 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 23236 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,513 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	1,513	$246,600
Additional Upgrades & Added Features	$204	1,513	$308,250
Major Home Updates or Advancements	$245	1,513	$369,900

Calculate Your Dwelling Coverage in 23236

It's important to understand that when you estimate your replacement cost of your home in the 23236 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 23236

Benton, William - Benton's Insurance

Address: 9509 Hull Street Road Richmond, VA 23236
Phone:
Website:
Info:

4QuickQuote

Address: 901 N Courthouse Rd Richmond, VA 23236
Phone:
Website:
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Dnl Insurance & Financial Services Ltd - Nationwide Insurance

Address: 316 North Arch Road Richmond, VA 23236
Phone:
Website: http://www.richmond.citysearch.com/profile/external/10571363/richmond_va/dnl_insurance_financial_services_ltd_nationwide_insurance.html
Info:

Dickens & Dickens

Address: 903 North Courthouse Road Richmond, VA 23236
Phone:
Website: http://www.richmond.citysearch.com/profile/666459540/richmond_va/dickens_dickens.html
Info:

Bruce J Schumm - Nationwide Insurance

Address: 800 Branchway Road Richmond, VA 23236
Phone:
Website: http://www.richmond.citysearch.com/profile/external/10571835/richmond_va/bruce_j_schumm_nationwide_insurance.html
Info:

Housing Demographics for 23236

Population Review for 23236 Zip Code

For the city of Richmond, the population within 23236 has increased to over 28,853 residents in population size. The current population total is 27,516. We have broken down the population based on race below. In 23236, there are over 13240 in male population and 14276 females.

Population	Values
Total Population	27,516
White Population	17525
Black Population	5440
Hispanic Population	2616
Asian Population	1096
Hawaiian Population	14
Indian Population	115
Other Population	1317
Male Population	13240
Female Population	14276
Population Estimate	28853

Household Data for 23236

The average number of homes in 23236 is around 10,538, there are an average of 2.61 per household. The average house value according to local real estate values is around $246,600. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	10,538
Persons Per Household	2.61
Average House Value	$246,600
Income Per Household	$88609
Median Age	42.4
Median Age Male	40.6
Median Age Female	43.9

23236 Details	Values
State	VA
State Full Name	Virginia
City Type	P
City Alias Abbreviation
Area Code	804
City	Richmond
City Alias Name	RICHMOND
County	Chesterfield
County FIPS	041
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	778
Number Of Employees	9930
Business First Quarter Payroll	141490
Business Annual Payroll	603748
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	11055
Delivery Business	871
Delivery Total	14423
Preferred Last Line Key	X27528
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key	X27528
Land Area	14.535000
Water Area	0.009000
City Alias Code
City Mixed Case	Richmond
City Alias Mixed Case	Richmond
Box Count	329
SFDU	10012
MFDU	283
State ANSI	51
County ANSI	041
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	49200
Medicare CBSA Code	40060
Medicare CBSA Name	Richmond, VA
Medicare CBSA Type	Metro
Market Rating Area ID	7
County Mixed Case	Chesterfield

Virginia Homeowners Insurance News & Information

2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
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 […]

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