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Home Insurance in 24246
If your primary reason for shopping for homeowners insurance in the 24246 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in East Stone Gap, VA. Many homeowners that live in the 24246 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Virginia licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 24246 zip code should already appear in the zip code field ready to go. For East Stone Gap, VA Homeowners Insurance Quotes, Click to easily get started!
Average Homeowners Premiums in 24246
Homeowners living in the city of East Stone Gap are paying on average around $835 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 24246 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Virginia home insurance premiums have been recently ranked 33 in the country in terms of the annual cost of premiums. Because premiums in 24246 are lower compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.
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We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in East Stone Gap. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!
24246 Home Insurance Average Premiums
For the 24246, 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 24246?
- • The average homeowners insurance premium paid annually for a home in 24246 is around $835 per year.
What does it cost on average per month for home insurance in 24246?
- • Homeowners in 24246 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 24246?
- • Autoowners in 24246 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 East Stone Gap area, check out other zip codes nearby 24246.
Review average rates in another zip code:
24246 homeowners insurance rates
Home Replacement Cost Coverage in 24246
Average Building Cost Per Square Foot in 24246: $163
Location: East Stone Gap, Virginia (Wise County)Average Square Footage in 24246: 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 24246 before you start any project. East Stone Gap 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 24246 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 24246 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 East Stone Gap 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 | 1,012 | $165,000 |
Additional Upgrades & Added Features | $204 | 1,012 | $206,250 |
Major Home Updates or Advancements | $245 | 1,012 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 24246 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 24246
Best Home & Auto Insurance Agencies in 24246
Housing Demographics for 24246
Population Review for 24246 Zip Code
For the city of East Stone Gap, the population within 24246 has increased to over 0 residents in population size. The current population total is 399. We have broken down the population based on race below. In 24246, there are over 190 in male population and 209 females.
Population | Values |
---|---|
Total Population | 399 |
White Population | 381 |
Black Population | 1 |
Hispanic Population | 3 |
Asian Population | 1 |
Hawaiian Population | 0 |
Indian Population | 0 |
Other Population | 0 |
Male Population | 190 |
Female Population | 209 |
Population Estimate | 0 |
Household Data for 24246
The average number of homes in 24246 is around 156, there are an average of 2.56 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 Data | Values |
---|---|
Households Per Zipcode | 156 |
Persons Per Household | 2.56 |
Average House Value | $165,000 |
Income Per Household | $32571 |
Median Age | 33.4 |
Median Age Male | 31.7 |
Median Age Female | 33.9 |
24246 Details | Values |
---|---|
State | VA |
State Full Name | Virginia |
City Type | Z |
City Alias Abbreviation | E STONE GAP |
Area Code | 276 |
City | East Stone Gap |
City Alias Name | EAST STONE GAP |
County | Wise |
County FIPS | 195 |
State FIPS | 51 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | |
PMSA | |
CSA | |
CBSA | |
CBSA_DIV | |
CBSA_Type | |
CBSA_Name | |
MSA_Name | |
PMSA_Name | |
Region | South |
Division | South Atlantic |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 0 |
Number Of Employees | 0 |
Business First Quarter Payroll | 0 |
Business Annual Payroll | 0 |
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 | 0 |
CBSA Division Population | 0 |
Congressional District | 09 |
Congressional LandArea | 9113.87 |
Delivery Residential | 0 |
Delivery Business | 0 |
Delivery Total | 194 |
Preferred Last Line Key | X26547 |
Classification Code | P |
Multi-County | |
CSA Name | |
CBSA_DIV_Name | |
City State Key | X26547 |
Land Area | 0.397000 |
Water Area | 0.000000 |
City Alias Code | |
City Mixed Case | East Stone Gap |
City Alias Mixed Case | East Stone Gap |
Box Count | 168 |
SFDU | 0 |
MFDU | 0 |
State ANSI | 51 |
County ANSI | 195 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | N |
Carrier Route Rate Sortation | C |
Finance Number | 512820 |
Unique ZIP Name | |
SSA State County Code | 49970 |
Medicare CBSA Code | 99949 |
Medicare CBSA Name | Rural Areas in VA |
Medicare CBSA Type | Micro |
Market Rating Area ID | 12 |
County Mixed Case | Wise |
Virginia Homeowners Insurance News & Information
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This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]