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23943 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 23943 zip code it's important to know that our rates are very competitive for homeowners living in Hampden Sydney, VA. Many homeowners based out of your 23943 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Virginia licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 23943 should appear in the zip code field ready to go. For Hampden Sydney, VA Homeowners Insurance Quotes nearby, we offer the best rates and service.

23943: Average Home Insurance Rates

For homeowners living in the great city of Hampden Sydney, the average homeowners policy is considered medium in comparison to other states. Virginia premiums are estimated to be around $835 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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23943 Home Insurance Average Premiums

Local 23943 homeowners insurance quotes comparison

$585 /yr.

Shows Zip Code: 23943 lowest rates with discounts applied on average.

For the 23943, 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 23943?

  • • The average homeowners insurance premium paid annually for a home in 23943 is around $835 per year.

What does it cost on average per month for home insurance in 23943?

  • • Homeowners in 23943 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 23943?

  • • Autoowners in 23943 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 Hampden Sydney area, check out other zip codes nearby 23943.
Review average rates in another zip code:
23943 homeowners insurance rates

Home Replacement Cost Coverage in 23943

Average Building Cost Per Square Foot in 23943: $163

Location: Hampden Sydney, Virginia (Prince Edward County)

Average Square Footage in 23943: 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 23943 before you start any project. Hampden Sydney 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 23943 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 23943 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 Hampden Sydney 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 23943 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 23943

Best Home & Auto Insurance Agencies in 23943

Puckett Charles D Insurance Agency

Address: Highway 15 South Hampden Sydney, VA 23943
Phone:
Website:
Info:

Housing Demographics for 23943

Population Review for 23943 Zip Code

For the city of Hampden Sydney, the population within 23943 has increased to over 0 residents in population size. The current population total is 759. We have broken down the population based on race below. In 23943, there are over 724 in male population and 35 females.

PopulationValues
Total Population759
White Population95
Black Population632
Hispanic Population16
Asian Population0
Hawaiian Population0
Indian Population1
Other Population9
Male Population724
Female Population35
Population Estimate0

Household Data for 23943

The average number of homes in 23943 is around 12, there are an average of 5.75 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 Zipcode12
Persons Per Household5.75
Average House Value$165,000
Income Per Household$0
Median Age19.3
Median Age Male19.3
Median Age Female30.5
23943 DetailsValues
StateVA
State Full NameVirginia
City TypeZ
City Alias AbbreviationHMPDEN SYDNEY
Area Code434
CityHampden Sydney
City Alias NameHAMPDEN SYDNEY
CountyPrince Edward
County FIPS147
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 Businesses4
Number Of Employees636
Business First Quarter Payroll5348
Business Annual Payroll21923
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 District05
Congressional LandArea10029.79
Delivery Residential0
Delivery Business5
Delivery Total5
Preferred Last Line KeyX26786
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX26786
Land Area0.298000
Water Area0.003000
City Alias Code
City Mixed CaseHampden Sydney
City Alias Mixed CaseHampden Sydney
Box Count0
SFDU0
MFDU0
State ANSI51
County ANSI147
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number513162
Unique ZIP Name
SSA State County Code49730
Medicare CBSA Code99949
Medicare CBSA NameRural Areas in VA
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CasePrince Edward

Virginia Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]