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23846 Home Insurance Rates & Premiums

Did you know there are over 872 people living within the 23846 zip code area? There are over 348 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 23846.

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 $786 a year for a standard homeowners insurance policy in Elberon. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Elberon, VA Homeowners Insurance Quotes Online

23846 Home Insurance Average Premiums

Local 23846 homeowners insurance quotes comparison

$536 /yr.

Shows Zip Code: 23846 lowest rates with discounts applied on average.

For the 23846, 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)		$536 /yr.
Average Coverage:$786 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1086 /yr.

What is the average home insurance cost for a home in 23846?

  • • The average homeowners insurance premium paid annually for a home in 23846 is around $786 per year.

What does it cost on average per month for home insurance in 23846?

  • • Homeowners in 23846 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 23846?

  • • Autoowners in 23846 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 Elberon area, check out other zip codes nearby 23846.
Review average rates in another zip code:
23846 homeowners insurance rates

Home Replacement Cost Coverage in 23846

Average Building Cost Per Square Foot in 23846: $163

Location: Elberon, Virginia (Surry County)

Average Square Footage in 23846: 1,310 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 23846 before you start any project. Elberon 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 23846 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 23846 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,310 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 Elberon 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$1631,310$213,500
Additional Upgrades & Added Features$2041,310$266,875
Major Home Updates or Advancements$2451,310$320,250

It's important to understand that when you estimate your replacement cost of your home in the 23846 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 23846

Best Home & Auto Insurance Agencies in 23846

Housing Demographics for 23846

Population Review for 23846 Zip Code

For the city of Elberon, the population within 23846 has increased to over 923 residents in population size. The current population total is 872. We have broken down the population based on race below. In 23846, there are over 438 in male population and 434 females.

PopulationValues
Total Population872
White Population564
Black Population263
Hispanic Population9
Asian Population6
Hawaiian Population0
Indian Population4
Other Population7
Male Population438
Female Population434
Population Estimate923

Household Data for 23846

The average number of homes in 23846 is around 348, there are an average of 2.51 per household. The average house value according to local real estate values is around $213,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode348
Persons Per Household2.51
Average House Value$213,500
Income Per Household$64545
Median Age51.4
Median Age Male48.8
Median Age Female54.1
23846 DetailsValues
StateVA
State Full NameVirginia
City TypeN
City Alias Abbreviation
Area Code757/948
CityElberon
City Alias NameELBERON
CountySurry
County FIPS181
State FIPS51
Time Zone5
Day Light SavingY
MSA
PMSA
CSA545
CBSA47260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameVirginia Beach-Chesapeake-Norfolk, VA-NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees13
Business First Quarter Payroll63
Business Annual Payroll339
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 District04
Congressional LandArea4310.34
Delivery Residential368
Delivery Business17
Delivery Total394
Preferred Last Line Key013339
Classification Code
Multi-County
CSA NameVirginia Beach-Chesapeake, VA-NC
CBSA_DIV_Name
City State Key013339
Land Area42.599000
Water Area0.024000
City Alias Code
City Mixed CaseElberon
City Alias Mixed CaseElberon
Box Count8
SFDU368
MFDU0
State ANSI51
County ANSI181
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number512502
Unique ZIP Name
SSA State County Code49900
Medicare CBSA Code99949
Medicare CBSA NameRural Areas in VA
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseSurry

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