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23509 Home Insurance Rates & Premiums

Did you know there are over 12,963 people living within the 23509 zip code area? There are over 5,304 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 23509.

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 $807 a year for a standard homeowners insurance policy in Norfolk. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Norfolk, VA Homeowners Insurance Quotes Online

23509 Home Insurance Average Premiums

Local 23509 homeowners insurance quotes comparison

$557 /yr.

Shows Zip Code: 23509 lowest rates with discounts applied on average.

For the 23509, 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)		$557 /yr.
Average Coverage:$807 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1107 /yr.

What is the average home insurance cost for a home in 23509?

  • • The average homeowners insurance premium paid annually for a home in 23509 is around $807 per year.

What does it cost on average per month for home insurance in 23509?

  • • Homeowners in 23509 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 23509?

  • • Autoowners in 23509 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 Norfolk area, check out other zip codes nearby 23509.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 23509

Average Building Cost Per Square Foot in 23509: $163

Location: Norfolk, Virginia (Norfolk City County)

Average Square Footage in 23509: 1,195 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23509 before you start any project. Norfolk 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 23509 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 23509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,195 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 Norfolk 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$1631,195$194,800
Additional Upgrades & Added Features$2041,195$243,500
Major Home Updates or Advancements$2451,195$292,200

It's important to understand that when you estimate your replacement cost of your home in the 23509 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 23509

Best Home & Auto Insurance Agencies in 23509

Housing Demographics for 23509

Population Review for 23509 Zip Code

For the city of Norfolk, the population within 23509 has increased to over 13,486 residents in population size. The current population total is 12,963. We have broken down the population based on race below. In 23509, there are over 6374 in male population and 6589 females.

PopulationValues
Total Population12,963
White Population5244
Black Population5972
Hispanic Population1004
Asian Population310
Hawaiian Population14
Indian Population41
Other Population341
Male Population6374
Female Population6589
Population Estimate13486

Household Data for 23509

The average number of homes in 23509 is around 5,304, there are an average of 2.43 per household. The average house value according to local real estate values is around $194,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,304
Persons Per Household2.43
Average House Value$194,800
Income Per Household$60674
Median Age38.0
Median Age Male36.4
Median Age Female39.9
23509 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code757
CityNorfolk
City Alias NameNORFOLK
CountyNorfolk City
County FIPS710
State FIPS51
Time Zone5
Day Light SavingY
MSA5720
PMSA
CSA545
CBSA47260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameVirginia Beach-Chesapeake-Norfolk, VA-NC
MSA_NameNorfolk-Virginia Beach-Newport News, VA-NC
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses170
Number Of Employees2072
Business First Quarter Payroll21654
Business Annual Payroll84730
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1671683
CBSA Division Population0
Congressional District03
Congressional LandArea947.1
Delivery Residential5550
Delivery Business195
Delivery Total7375
Preferred Last Line KeyX27304
Classification Code
Multi-County
CSA NameVirginia Beach-Chesapeake, VA-NC
CBSA_DIV_Name
City State KeyX27304
Land Area2.544000
Water Area0.410000
City Alias Code
City Mixed CaseNorfolk
City Alias Mixed CaseNorfolk
Box Count237
SFDU4683
MFDU463
State ANSI51
County ANSI710
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number516522
Unique ZIP Name
SSA State County Code49641
Medicare CBSA Code47260
Medicare CBSA NameVirginia Beach-Norfolk-Newport News, VA-NC
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseNorfolk City

Virginia Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]