Virginia Home Owners Insurance

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Virginia Home Owners Insurance

Who has the Lowest price on Home Owners in Virginia?

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 Homeowners Insurance in Virginia!

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

What does Home Owners Insurance cover in Virginia?

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Average Cost for Home Owners Insurance in Virginia (by city)

Here are some average cost you can expect, to pay according to the city your home is in for Home Owners 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

* Laws pertaining to Home Owners in Virginia

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Home Owners coverage options in Virginia

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Most common Causes for Home Owners Loss and claims (nationwide)

By having 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 for Home Owners insurance in Virginia

Wonder what kind of questions or factors affect your 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 Home Owners insurance in Virginia

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

Home Owners insurance rates by company in Virginia

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!

CompanyHome Owners ($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 Home Owners insurance (by city) in Virginia

We wanted to help you see who has the cheapest Homeowners insurance rates in each city in Virginia. Check out your city and see who it is!

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

Best Home Owners Insurance by company in Virginia

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
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Last Updated on November 10, 2021 by Shawn Christie

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