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23398 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 23398 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Jamesville, VA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 23398.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 23398 and start shopping.

Quickly and Easily Compare Average Rates for 23398

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Jamesville, VA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 23398

Homeowners in Jamesville are paying roughly $835 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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23398 Home Insurance Average Premiums

Local 23398 homeowners insurance quotes comparison

$585 /yr.

Shows Zip Code: 23398 lowest rates with discounts applied on average.

For the 23398, 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)		$585 /yr.
Average Coverage:$835 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1135 /yr.

What is the average home insurance cost for a home in 23398?

  • • The average homeowners insurance premium paid annually for a home in 23398 is around $835 per year.

What does it cost on average per month for home insurance in 23398?

  • • Homeowners in 23398 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 23398?

  • • Autoowners in 23398 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 Jamesville area, check out other zip codes nearby 23398.
Review average rates in another zip code:
23398 homeowners insurance rates

Home Replacement Cost Coverage in 23398

Average Building Cost Per Square Foot in 23398: $163

Location: Jamesville, Virginia (Northampton County)

Average Square Footage in 23398: 1,012 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23398 before you start any project. Jamesville 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 23398 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 23398 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,012 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 Jamesville 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$1631,012$165,000
Additional Upgrades & Added Features$2041,012$206,250
Major Home Updates or Advancements$2451,012$247,500

It's important to understand that when you estimate your replacement cost of your home in the 23398 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 23398

Best Home & Auto Insurance Agencies in 23398

Housing Demographics for 23398

Population Review for 23398 Zip Code

For the city of Jamesville, the population within 23398 has increased to over 0 residents in population size. The current population total is 83. We have broken down the population based on race below. In 23398, there are over 45 in male population and 38 females.

PopulationValues
Total Population83
White Population67
Black Population9
Hispanic Population3
Asian Population4
Hawaiian Population1
Indian Population0
Other Population0
Male Population45
Female Population38
Population Estimate0

Household Data for 23398

The average number of homes in 23398 is around 19, there are an average of 4.37 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19
Persons Per Household4.37
Average House Value$165,000
Income Per Household$0
Median Age54.5
Median Age Male57.8
Median Age Female45.7
23398 DetailsValues
StateVA
State Full NameVirginia
City TypeZ
City Alias Abbreviation
Area Code757/948
CityJamesville
City Alias NameJAMESVILLE
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential0
Delivery Business0
Delivery Total130
Preferred Last Line KeyX26900
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX26900
Land Area1.292000
Water Area0.000000
City Alias Code
City Mixed CaseJamesville
City Alias Mixed CaseJamesville
Box Count122
SFDU0
MFDU0
State ANSI51
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number514656
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 […]