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23354 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 23354? There are over 169 occupied homes in the 23354 area. With a population size of 327, it's not uncommon for residence of Franktown, VA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Virginia is around $784 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 23354 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Franktown, VA Home Insurance Rate Quotes

23354 Home Insurance Average Premiums

Local 23354 homeowners insurance quotes comparison

$534 /yr.

Shows Zip Code: 23354 lowest rates with discounts applied on average.

For the 23354, 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)		$534 /yr.
Average Coverage:$784 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1084 /yr.

What is the average home insurance cost for a home in 23354?

  • • The average homeowners insurance premium paid annually for a home in 23354 is around $784 per year.

What does it cost on average per month for home insurance in 23354?

  • • Homeowners in 23354 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 23354?

  • • Autoowners in 23354 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 Franktown area, check out other zip codes nearby 23354.
Review average rates in another zip code:
23354 homeowners insurance rates

Home Replacement Cost Coverage in 23354

Average Building Cost Per Square Foot in 23354: $163

Location: Franktown, Virginia (Northampton County)

Average Square Footage in 23354: 2,090 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23354 before you start any project. Franktown 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 23354 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 23354 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,090 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 Franktown 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$1632,090$340,700
Additional Upgrades & Added Features$2042,090$425,875
Major Home Updates or Advancements$2452,090$511,050

It's important to understand that when you estimate your replacement cost of your home in the 23354 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 23354

Best Home & Auto Insurance Agencies in 23354

Housing Demographics for 23354

Population Review for 23354 Zip Code

For the city of Franktown, the population within 23354 has increased to over 165 residents in population size. The current population total is 327. We have broken down the population based on race below. In 23354, there are over 175 in male population and 152 females.

PopulationValues
Total Population327
White Population269
Black Population38
Hispanic Population18
Asian Population0
Hawaiian Population0
Indian Population3
Other Population5
Male Population175
Female Population152
Population Estimate165

Household Data for 23354

The average number of homes in 23354 is around 169, there are an average of 1.93 per household. The average house value according to local real estate values is around $340,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode169
Persons Per Household1.93
Average House Value$340,700
Income Per Household$136786
Median Age58.8
Median Age Male55.8
Median Age Female60.7
23354 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code757/948
CityFranktown
City Alias NameFRANKTOWN
CountyNorthampton
County FIPS131
State FIPS51
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees86
Business First Quarter Payroll884
Business Annual Payroll4177
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea991.68
Delivery Residential86
Delivery Business3
Delivery Total391
Preferred Last Line KeyX26661
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX26661
Land Area6.324000
Water Area0.570000
City Alias Code
City Mixed CaseFranktown
City Alias Mixed CaseFranktown
Box Count129
SFDU86
MFDU0
State ANSI51
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number513402
Unique ZIP Name
SSA State County Code49650
Medicare CBSA Code99949
Medicare CBSA NameRural Areas in VA
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CaseNorthampton

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 […]