Virginia Homeowners Insurance Quotes (2022)

According to 2021 rates, the average cost of homeowners insurance in Virginia is $1092 per year and $91 per month. Virginia homeowners insurance rates are $306 per year less then the national average and about 22% less annually. When compared to the other US states that makes the cost of homeowners insurance in Virginia the 34th most expensive in the country, based on 2021 data.

For shoppers, the best way to find a homeowners insurance policy in Virginia is to evaluate all of the quotes from individual insurance providers and then decide on the policy that fits your requirements and budget level. Fortunately finding the right homeowners insurance coverage is easy with a tool like Insurify.

Insurify provides easy and fast home insurance quote comparisons for all kinds of homeowners nationwide. Insurify has helped thousands of customers receive accurate homeowners quotes for your property in Virginia in minutes.

For homeowners in Virginia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Virginia. The following are the best insurance rates from carriers that offer homeowners insurance in Virginia.

You've dealt with the competitive seller's market in Virginia, and you're ready to get all your ducks in a row for homeownership. Pat yourself on the back, because buying a home is a significant financial investment. With any investment, however, comes risk. But did you know that there are steps you can take to minimize risk? Your investment will be safeguarded by taking these steps.

The most crucial step to protect your property is homeowners insurance. Not required by law, homeowners insurance gives you the financial liability for your personal belongings and home from natural disasters or theft. Like any type of insurance, there are coverage options available depending on your property's type, location, and other factors.

From Norfolk to Virginia Beach, keep reading this full guide on Virginia home insurance to keep you and your family protected.

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.

As of 2021, the average home insurance premium in Virginia costs $1,863 annually, and the median home value is $237,400.

That's a good chunk of money to be spending annually. These costs are needed, but how is it possible to pay these costs while providing for yourself and your family?

That's where Insurify comes in. Compare quotes in your area and find the most affordable homeowners insurance to fit your needs. You can adjust insurance coverage levels to fit your lifestyle, leaving you with the best Virginia homeowners insurance.

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

Like property costs, home insurance varies in price from city to city. Pricing is determined on ZIP code–specific variables such as the volume of claims filed nearby, crime rates, and property costs, and risk variables, such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on our annual premiums.

Rates in Virginia can be relatively high or low compared to the national average; it all depends on which town you live in. Here are the most and least expensive Virginia ZIP codes in which to insure a home.

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:

Natural disasters happen, and being prepared for what could happen is crucial, especially for homeowners in Virginia. Severe storms, hurricanes, floods, wildfires, tornadoes, winter storms, landslides, power outages, earthquakes, and extreme heat and drought can happen in Virginia.

Noreasters are common to Virginia, especially the southeastern portion. If you're not familiar with nor'easters, these are rotating storms that form over the Atlantic. They're much like hurricanes, except that nor'easters form over cold air rather than warmer air. Between June to November, hurricanes bring lots of rain. Nor'easters are most frequent between September and April and carry snow along with rain.

It's essential to know the covered loss and homeowners insurance costs associated with frequent natural disasters in Virginia. It's best to research the area you will be living in before committing to a homeowners insurance quote. Also, your insurance premium could go up depending on past insurance claims in your area. And while homeowners insurance will cover wind damage, falling objects, and lightning, most homeowners insurance policies do not cover damages due to flooding or earthquakes. You would have to get an additional rider or policy.

Flooding as a result of natural disasters is quite frequent in Virginia. Certain factors determine if you live in a flood zone in Virginia. And those factors could affect your overall home insurance premium. For instance, your property may be in a flood plain or a flood insurance zone that applies to your property.

Flood insurance rates are also dependent on the approximate base flood elevation (the elevation of surface water resulting from a flood). Note that home insurance policies cover living expenses, liability protection, and medical expenses in case of flooding. Having flood insurance just in case is better than not being protected at all, even if you live in a low to moderate-risk flood area. It's recommended that you check with the National Flood Insurance Program for separate flood insurance and to find the average cost.

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in Virginia.

Beachside living is wonderful. But the risk a nearby coastline may present to your home could end up increasing your home insurnace rates. The closer you are to the shore, the more at risk your property is to flooding. This will be reflected in your homeowners insurance rate.

Swimming pools fall under a category called attractive nuisances. Sure, they offer a fun way to cool off during warm summer months, but they also pose a major injury risk. For that reason, having a swimming pool in your yard could increase rates.