23435 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 23435? There are over 12,194 occupied homes in the 23435 area. With a population size of 32,597, it's not uncommon for residence of Suffolk, 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 $845 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 23435 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: Suffolk, VA Home Insurance Rate Quotes

23435 Home Insurance Average Premiums

Local 23435 homeowners insurance quotes comparison

$595 /yr.

Shows Zip Code: 23435 lowest rates with discounts applied on average.

For the 23435, 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)	$595 /yr.
Average Coverage:	$845 /yr.
2600 sq. ft. or higher (all discounts applied)	$1145 /yr.

What is the average home insurance cost for a home in 23435?

• The average homeowners insurance premium paid annually for a home in 23435 is around $845 per year.

What does it cost on average per month for home insurance in 23435?

• Homeowners in 23435 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 23435?

• Autoowners in 23435 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 Suffolk area, check out other zip codes nearby 23435.
Review average rates in another zip code:
23438 homeowners insurance rates
23437 homeowners insurance rates
23432 homeowners insurance rates
23433 homeowners insurance rates
23436 homeowners insurance rates
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23434 homeowners insurance rates

Home Replacement Cost Coverage in 23435

Average Building Cost Per Square Foot in 23435: $163

Location: Suffolk, Virginia (Suffolk City County)

Average Square Footage in 23435: 1,878 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23435 before you start any project. Suffolk 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 23435 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 23435 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,878 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 Suffolk 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	1,878	$306,100
Additional Upgrades & Added Features	$204	1,878	$382,625
Major Home Updates or Advancements	$245	1,878	$459,150

Calculate Your Dwelling Coverage in 23435

It's important to understand that when you estimate your replacement cost of your home in the 23435 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 23435

Allstate Insurance Company

Address: 5501 Bennett's Pasture Rd Suffolk, VA 23435
Phone:
Website:
Info:

State Farm Insurance

Address: 3575 Bridge Rd Suffolk, VA 23435
Phone:
Website: http://www.virginiabeach.citysearch.com/profile/external/46267362/suffolk_va/state_farm_insurance.html
Info:

Nationwide Claims

Address: 3215 Bridge Rd Suffolk, VA 23435
Phone:
Website:
Info:

Housing Demographics for 23435

Population Review for 23435 Zip Code

For the city of Suffolk, the population within 23435 has increased to over 36,309 residents in population size. The current population total is 32,597. We have broken down the population based on race below. In 23435, there are over 15625 in male population and 16972 females.

Population	Values
Total Population	32,597
White Population	15663
Black Population	12375
Hispanic Population	1903
Asian Population	1049
Hawaiian Population	36
Indian Population	113
Other Population	747
Male Population	15625
Female Population	16972
Population Estimate	36309

Household Data for 23435

The average number of homes in 23435 is around 12,194, there are an average of 2.66 per household. The average house value according to local real estate values is around $306,100. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	12,194
Persons Per Household	2.66
Average House Value	$306,100
Income Per Household	$102108
Median Age	37.8
Median Age Male	36.5
Median Age Female	39.1

23435 Details	Values
State	VA
State Full Name	Virginia
City Type	P
City Alias Abbreviation
Area Code	757
City	Suffolk
City Alias Name	SUFFOLK
County	Suffolk City
County FIPS	800
State FIPS	51
Time Zone	5
Day Light Saving	Y
MSA	5720
PMSA
CSA	545
CBSA	47260
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Virginia Beach-Chesapeake-Norfolk, VA-NC
MSA_Name	Norfolk-Virginia Beach-Newport News, VA-NC
PMSA_Name
Region	South
Division	South Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	597
Number Of Employees	9199
Business First Quarter Payroll	108951
Business Annual Payroll	441717
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	1671683
CBSA Division Population	0
Congressional District	02
Congressional LandArea	991.68
Delivery Residential	13650
Delivery Business	583
Delivery Total	18427
Preferred Last Line Key	X27785
Classification Code
Multi-County
CSA Name	Virginia Beach-Chesapeake, VA-NC
CBSA_DIV_Name
City State Key	X27785
Land Area	35.678000
Water Area	10.639000
City Alias Code
City Mixed Case	Suffolk
City Alias Mixed Case	Suffolk
Box Count	164
SFDU	8055
MFDU	567
State ANSI	51
County ANSI	800
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	518682
Unique ZIP Name
SSA State County Code	49892
Medicare CBSA Code	47260
Medicare CBSA Name	Virginia Beach-Norfolk-Newport News, VA-NC
Medicare CBSA Type	Metro
Market Rating Area ID	9
County Mixed Case	Suffolk City

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 […]

Home Insurance Quotes in 23435!