Affordable Virginia Homeowners Insurance – Secure Your Home Today

Discover peace of mind with our tailored Virginia Homeowners Insurance solutions, designed to protect your home and belongings against the unexpected. Contact us now for a free quote and see how we can help secure your sanctuary with coverage that meets your needs and budget.

Is Home Insurance Mandatory In Virginia?

While Virginia homeowners insurance is not mandated by state law, it’s often required by mortgage lenders to protect the investment. This requirement underscores the importance of having a comprehensive policy that safeguards your home against unforeseen damages and disasters. Understanding the necessity and benefits of homeowners insurance can lead to more informed decisions about your policy choices.

Given the variety of options available, it’s crucial to compare offerings from different insurance carriers to find a policy that aligns with your needs and budget. Here’s an illustrative comparison to help you start:

Sample Monthly Homeowners Insurance Rates in Virginia

Insurance CompanyBasic Coverage (Est. Monthly)Comprehensive Coverage (Est. Monthly)
Progressive$75$150
National General$70$145
Dairyland$80$160
  • Key Considerations When Selecting a Policy:
    1. Coverage extent and inclusions
    2. Deductible amounts
    3. Premium rates
    4. Company reputation and customer service

Choosing the right Virginia homeowners insurance goes beyond just fulfilling lender requirements—it’s about ensuring your peace of mind. For personalized guidance and a free quote tailored to your specific needs, don’t hesitate to reach out to us. Our expertise can help you secure the protection your home deserves.

Who has the Lowest price on Virginia Homeowners Insurance?

While Virginia homeowners insurance is essential for safeguarding your most valuable asset, finding an affordable option is paramount. Various providers offer competitive rates, making it essential to shop around to find the best deal tailored to your specific needs.

To aid in your quest, we’ve outlined estimated yearly premiums from a selection of reputable insurance carriers, helping you determine who offers the lowest price on Virginia homeowners insurance. Remember, choosing the right policy involves balancing cost with the level of coverage, ensuring your home is adequately protected without overextending your budget.

Estimated Yearly Homeowners Insurance Premiums in Virginia

Insurance CompanyEstimated Yearly Premium
Progressive$900
Dairyland$960
Travelers$840
Gainsco$1,020
National General$924
  • Factors Influencing Homeowners Insurance Premiums:
    • The location and age of your home
    • The amount of coverage and deductible you select
    • The presence of security features and any property-specific risk factors

Securing the provider with the lowest rates on Virginia homeowners insurance goes beyond mere price comparison; it requires a thorough evaluation of what each policy offers. For comprehensive coverage tailored to your home and budget, consulting with our knowledgeable agents can provide you with personalized quotes and professional guidance.

Just because you want the best coverages for you home, doesn’t mean you want to pay a whole lot. Here are some companies that have the best and lowest prices on Virginia homeowners insurance!

CompanyRank
Hartford1
Progressive2
Nationwide3
American Family4
State Farm5
USAA6
Auto-Owners7
American International8
Allstate Corp.9

Average Cost for Virginia Homeowners Insurance (by city)

Here are some average cost you can expect, to pay according to the city your home is in for Virginia Homeowners Insurance

CityPrice
Christiansburg$1,377.00
Chester$1,415.00
South Riding$1,257.00
Dale City$1,102.00
Charlottesville$1,362.00
Sudley$1,170.00
Annandale$1,133.00
Ashburn$1,222.00
Reston$1,210.00
Cave Spring$1,312.00
Newport News$1,155.00
Blacksburg$1,271.00
Franklin Farm$1,205.00
Montclair$1,135.00
Bon Air$1,274.00
Idylwood$1,424.00
Danville$1,389.00
Culpeper$1,351.00
Short Pump$1,362.00
West Falls Church$1,425.00
Winchester$1,234.00
West Springfield$1,116.00
Richmond$1,198.00
McNair$1,233.00
Virginia Beach$1,219.00
Hampton$1,178.00
Neabsco$1,304.00
Merrifield$1,372.00
Roanoke$1,376.00
Suffolk$1,272.00
Tysons$1,364.00
Hopewell$1,107.00
Bailey’s Crossroads$1,122.00
Buckhall$1,272.00
Harrisonburg$1,393.00
Lynchburg$1,166.00
Radford$1,236.00
Chesapeake$1,374.00
Leesburg$1,353.00
Linton Hall$1,171.00
Oakton$1,401.00
Staunton$1,175.00
Brambleton$1,138.00
Sterling$1,422.00
Burke$1,356.00
Burke Centre$1,320.00
Lincolnia$1,396.00
Manassas$1,188.00
Meadowbrook$1,315.00
Lake Ridge$1,225.00
Woodlawn CDP$1,177.00
McLean$1,221.00
Fair Oaks$1,324.00
Laurel$1,316.00
Petersburg$1,300.00
Herndon$1,425.00
Chantilly$1,354.00
Centreville$1,131.00
Portsmouth$1,230.00
Rose Hill$1,179.00
Mechanicsville$1,425.00
Marumsco$1,332.00
Salem$1,103.00
Lorton$1,156.00
Springfield$1,270.00
Franconia$1,414.00
Fairfax$1,256.00
Arlington$1,308.00
Tuckahoe$1,296.00
Alexandria$1,414.00
Norfolk$1,350.00
Fredericksburg$1,120.00
Waynesboro$1,178.00
Cherry Hill$1,390.00

Most common Causes for Homeowners Loss and claims (nationwide)

By having Virginia Homeowners Insurance you are protecting yourself from the day to day unknown. There are so many things that can cause a loss to your home, so it’s good to be protected!

Water Damage
Hail
Loss of Use
Fire
Wind
Vandalism
Injuries
Power surge
Theft
Lightning
Other Weather related

Rating Factors: Virginia Homeowners Insurance

Wonder what kind of questions or factors affect your Virginia Homeowners Insurance rates? Here are some common factors that determine what your rate could look like.

Home liability limits
Roof condition
Value of home Replacement cost
Age of Home
Location
Deductible
Wood-burning stoves
Dog breed
Home-based business
Claims
Protection Class Proximity to fire station
Credit history
Upgrades to Wiring plumbing

Bundling Options with Virginia Homeowners Insurance

You know bundling your home and auto can save you money! But did you know that you can bundle other things with your homeowners insurance and save? Look at some ideas below!

Health
Boat
ATV
Auto
Life
Motorcycle
Business
Umbrella
Virginia Homeowners Insurance
2024 Virginia Homeowners Insurance

Virginia Homeowners Insurance Rates by Company

Homeowners rates can be different by city, state and company. Here are some companies with great AM ratings, check them out to see some rates!

CompanyHomeowners ($250,000)
State Farm$1,452
Nationwide Mutual$1,478
Allstate$1,294
American International$1,269
Liberty Mutual$1,495
Farmers Insurance Group$1,296
American Family Insurance$1,417
Chubb$1,263
Auto-Owners Insurance$1,301
Progressive$1,425
USAA$1,439
Erie Insurance$1,346
Hartford Financial Services$1,385
MetLife Inc.$1,531

Cheapest Virginia Homeowners Insurance Rates (by city)

We wanted to help you see who has the cheapest Virginia homeowners Insurance by city. Check out your city and see who it is for Virginia Homeowners Insurance

CityPrice
Virginia BeachLiberty Mutual
Burke CentreProgressive (ASI)
TuckahoeNationWide
IdylwoodProgressive (ASI)
SuffolkState Farm
SudleyAmica
LynchburgAllstate
ChantillyChub
West SpringfieldLiberty Mutual
LincolniaLiberty Mutual
TysonsAmica
ChesapeakeProgressive (ASI)
LaurelNationWide
DanvilleUSAA
HamptonChub
Franklin FarmAllstate
McLeanAllstate
RestonProgressive
Woodlawn CDPTravelers
Linton HallTravelers
PetersburgProgressive
CulpeperProgressive (ASI)
BlacksburgProgressive (ASI)
WaynesboroNationWide
MerrifieldProgressive
South RidingAllstate
Fair OaksUSAA
BrambletonLiberty Mutual
Dale CityUSAA
BurkeAllstate
Bailey’s CrossroadsTravelers
Rose HillProgressive (ASI)
HopewellAllstate
Lake RidgeAmerican Family
MechanicsvilleTravelers
CharlottesvilleTravelers
SalemAmica
Newport NewsLiberty Mutual
MontclairUSAA
NeabscoTravelers
ChesterFarmers
AshburnTravelers
AlexandriaProgressive
McNairUSAA
SpringfieldLiberty Mutual
FairfaxNationWide
Cherry HillUSAA
Cave SpringProgressive (ASI)
BuckhallFarmers
FredericksburgTravelers
HarrisonburgProgressive (ASI)
LeesburgState Farm
MarumscoLiberty Mutual
KingstowneUSAA
HerndonUSAA
AnnandaleAllstate
PortsmouthProgressive (ASI)
LortonAmerican Family
FranconiaProgressive (ASI)
RichmondTravelers
RoanokeProgressive (ASI)
CentrevilleNationWide
ManassasLiberty Mutual
SterlingFarmers
NorfolkNationWide
StauntonTravelers

Virginia Homeowners Insurance Company Ratings

Having a great and the best company to insure your home is so important! We have listed below some of those great and highly rated companies for your Homeowners insurance!

CompanyAM Best
Liberty MutualA
Auto-Owners InsuranceA
State FarmA++
ProgressiveA+
Hartford FinancialA+
TravelersA++
NationwideA
AllstateA+
MetLifeA-
American FamilyA
USAAA++
Farmers InsuranceA
ChubbA

Frequently Asked Questions about Virginia Homeowners Insurance

What does Virginia Homeowners Insurance cover?

Virginia Homeowners Insurance typically covers damage to your home, personal property, and liability protection. It can also provide coverage for additional living expenses if your home becomes uninhabitable due to a covered event. The specific coverage may vary, so it’s essential to review your policy.

How can I lower my homeowners insurance rates in Virginia?

To lower your homeowners insurance rates in Virginia, you can consider bundling your home and auto insurance, increasing your deductible, improving home security, and maintaining a good credit score. A Plus Insurance can help you explore options and find discounts to reduce your insurance costs.

Questions about Virginia Homeowners Insurance? Call us at 1.888.445.2793.

If you have specific questions about Virginia Homeowners Insurance or need personalized assistance, don’t hesitate to call A Plus Insurance at 1.888.445.2793. Our team is ready to provide the information you need to make informed decisions.

Additional Helpful Links
Liability Only Car Insurance Virginia
Virginia SR22 Insurance
Motorcycle Insurance Virginia
Homeowners Insurance Explained
Home Inspection Checklist
Virginia Auto Insurance

For personalized assistance, call us at 1.888.445.2793.

Last Updated on by Veronica Moss

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