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Searching for Homeowners Insurance in 24528

If you are a homeowners that lives in 24528 you may be searching for more affordable homeowners insurance in Brookneal. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Brookneal, VA. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Virginia licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 24528 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Brookneal, VA home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 24528 Home Insurance Costs: medium!

In Brookneal, homeowners are paying roughly $834 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 24528 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Brookneal are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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24528 Home Insurance Average Premiums

Local 24528 homeowners insurance quotes comparison

$584 /yr.

Shows Zip Code: 24528 lowest rates with discounts applied on average.

For the 24528, 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)
$584 /yr.
Average Coverage:$834 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1134 /yr.

What is the average home insurance cost for a home in 24528?

  • • The average homeowners insurance premium paid annually for a home in 24528 is around $834 per year.

What does it cost on average per month for home insurance in 24528?

  • • Homeowners in 24528 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 24528?

  • • Autoowners in 24528 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 Brookneal area, check out other zip codes nearby 24528.
Review average rates in another zip code:
24528 homeowners insurance rates

Home Replacement Cost Coverage in 24528

Average Building Cost Per Square Foot in 24528: $163

Location: Brookneal, Virginia (Campbell County)

Average Square Footage in 24528: 695 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 24528 before you start any project. Brookneal 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 24528 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 24528 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 695 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 Brookneal 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$163695$113,300
Additional Upgrades & Added Features$204695$141,625
Major Home Updates or Advancements$245695$169,950

It's important to understand that when you estimate your replacement cost of your home in the 24528 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 24528

Best Home & Auto Insurance Agencies in 24528

Housing Demographics for 24528

Population Review for 24528 Zip Code

For the city of Brookneal, the population within 24528 has increased to over 2,899 residents in population size. The current population total is 2,994. We have broken down the population based on race below. In 24528, there are over 1412 in male population and 1582 females.

PopulationValues
Total Population2,994
White Population2062
Black Population791
Hispanic Population42
Asian Population10
Hawaiian Population0
Indian Population13
Other Population26
Male Population1412
Female Population1582
Population Estimate2899

Household Data for 24528

The average number of homes in 24528 is around 1,222, there are an average of 2.40 per household. The average house value according to local real estate values is around $113,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,222
Persons Per Household2.40
Average House Value$113,300
Income Per Household$50538
Median Age46.9
Median Age Male45.1
Median Age Female49.6
24528 DetailsValues
StateVA
State Full NameVirginia
City TypeP
City Alias Abbreviation
Area Code434
CityBrookneal
City Alias NameBROOKNEAL
CountyCampbell
County FIPS031
State FIPS51
Time Zone5
Day Light SavingY
MSA4640
PMSA
CSA
CBSA31340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLynchburg, VA
MSA_NameLynchburg, VA MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses71
Number Of Employees715
Business First Quarter Payroll5545
Business Annual Payroll26424
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population252634
CBSA Division Population0
Congressional District05
Congressional LandArea10029.79
Delivery Residential1208
Delivery Business41
Delivery Total1590
Preferred Last Line KeyX26204
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX26204
Land Area99.542000
Water Area0.493000
City Alias Code
City Mixed CaseBrookneal
City Alias Mixed CaseBrookneal
Box Count232
SFDU1192
MFDU0
State ANSI51
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number511170
Unique ZIP Name
SSA State County Code49150
Medicare CBSA Code31340
Medicare CBSA NameLynchburg, VA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseCampbell

Virginia Homeowners Insurance News & Information

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    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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • 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 […]