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Are you looking to get the best home insurance quotes in Virginia? We have reviewed all the major insurance companies to help you get ideal homeowners insurance in Virginia.
Key Takeaways
- Virginia homeowners insurance costs $1,133 annually.
- Insurers offer home insurance policies in the state starting at around $789 annually.
- Ensure to buy hurricane insurance additionally to enhance your home’s protection.
Virginia homeowners insurance: What you need to know
On average, homeowners insurance in Virginia costs around $1,133 yearly. The rate is lower than the national average rate.
The state has a diverse landscape which makes it so suitable for living. Additionally, the Virginia homeowners insurance rates are reasonable too. But some factors, like your ZIP Code, impact the cost of home insurance in Virginia. So, you must hunt thoroughly for the best homeowners insurance in Virginia. Don’t worry; we’ve got that covered for you!
What does a homeowners insurance policy cover?
Liability, Dwelling, Personal Property, Other Structures, Medical Payments to Others, and Additional Living Expenses are typical home insurance policy coverages. But additionally, you can buy these coverages in the state.
- Flood insurance: Ideally, a home insurance policy doesn’t cover flood damage. So, Virginia residents must buy it as a separate policy. Many private insurers and FEMA offer flood insurance policies.
- Water backup coverage: Many types of water damage get automatically covered by homeowners insurance. But it won’t cover damage caused by clogged sewer and drain lines. You’ll need a separate endorsement covering this type of damage — generally called water backup or sewer and drain line backup coverage.
- Windstorm coverage: A standard home insurance policy covers hurricane damage. However, insurers in coastal states like Virginia provide coverage with a windstorm deductible separate from your dwelling deductible for tropical storms named by the National Hurricane Center. A hurricane deductible is typically 1%-5% of your home’s insured value.
- Extended replacement cost value: Since Virginia experiences regular storms, buying an endorsement for extended replacement cost would be good. It could help you ensure ample coverage if storm damage results in higher reconstruction costs than your home’s insured value. Most insurance companies allow you to select a percentage of your coverage above your dwelling coverage limit.
What isn’t covered by a typical homeowners insurance policy?
A home insurance policy doesn’t cover earthquakes, nuclear threats, flooding, insect and vermin infestations, wear and tear, power outages, war, sinkholes, or intentional loss. To ensure the coverages you get, you must carefully check your policy before buying.
The cheapest home insurance companies in Virginia
Virginia homeowners insurance costs vary based on the insurance company you choose. Virginia Farm Bureau offers the cheapest home insurance in Virginia, with an average yearly rate of $789. It is $344 less than the state average rate. Keep comparing the quotes from all the insurers if you want to buy the cheapest home insurance in Virginia.
| Insurer | Average annual rate |
|---|---|
| Virginia Farm Bureau | $789 |
| Travco | $863 |
| Safeco | $1,005 |
| Nationwide | $1,037 |
| Erie | $1,053 |
The best homeowners insurance in Virginia for those with poor credit
Customers with low credit scores are more likely to file smaller insurance claims because they may be unable to cover the cost of a covered loss. As a result, having a low credit score often means paying more for insurance premiums. With a yearly average rate of $1,984, Nationwide offers the most affordable homeowners insurance in Virginia.
| Insurer | Average annual rate |
|---|---|
| Nationwide | $1,984 |
| State Farm | $2,294 |
| Allstate | $2,606 |
| Erie | $3,850 |
| Travelers | $12,507 |
The best homeowners insurance in Virginia for pool owners
Pool owners in the state may have to pay more for Virginia homeowners insurance. Insurers consider pools an ‘attractive nuisance’ or a liability risk. , should consider buying additional liability insurance to cover medical bills or legal settlements due to a pool-related accident. With an average annual rate of $1,342, State Farm offers the most low-cost homeowners insurance in Virginia for homes with a pool.
| Insurer | Average annual rate |
|---|---|
| State Farm | $1,342 |
| Nationwide | $1,440 |
| Erie | $1,599 |
| Allstate | $1,686 |
| Travelers | $5,578 |
The best homeowners insurance in Virginia for dog owners
Due to the high number of dog bite liability claims, insurers frequently classify certain dog breeds as more ‘dangerous’. So, you’ll have to pay more for Virginia home insurance if you own such a breed. With an average yearly rate of $1,342, State Farm offers Virginia’s most affordable home insurance for a home with a ‘dangerous’ dog breed.
| Insurer | Average annual rate |
|---|---|
| State Farm | $1,342 |
| Erie | $1,389 |
| Nationwide | $1,440 |
| Allstate | $1,686 |
| Travelers | $5,072 |
Homeowners insurance deductibles in Virginia
When buying a policy, homeowners have many options, including setting their deductible amount. A homeowners deductible is the sum you must pay towards a covered loss. The deductible level you select can greatly impact your home insurance premiums. It means that choosing a lower deductible results in paying higher insurance premiums. Ensure your deductible isn’t so high that you would struggle to pay it to cover the damage. These are some of the most common deductible options that the insurer offers.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,018 |
| $1000 | $927 |
| $1500 | $873 |
| $2000 | $814 |
| $5000 | $689 |
Virginia home insurance prices by coverage levels
The coverage level you select also impacts the premiums you pay. In Virginia, maintaining $100,000 in dwelling coverage costs an average of $513 annually. Whereas having $400,000 in dwelling coverage costs you $1,389 yearly.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $513 |
| $200,000 | $804 |
| $250,000 | $927 |
| $400,000 | $1,389 |
Virginia homeowners insurance costs by city
The cost of Virginia home insurance varies by city. Factors like the number of claims filed in your nearby area, ZIP code, and the area’s crime rate may impact your premiums. The following are the rates of various cities in Virginia.
| City | Average annual rate |
|---|---|
| Abingdon | $1,517 |
| Accomac | $1,900 |
| Achilles | $1,328 |
| Adwolf | $1,224 |
| Afton | $1,131 |
| Alberta | $1,376 |
| Aldie | $1,038 |
| Alexandria | $1,014 |
| Altavista | $1,240 |
| Alton | $1,598 |
| Amelia Court House | $1,295 |
| Amherst | $1,179 |
| Amissville | $1,112 |
| Ammon | $1,355 |
| Amonate | $1,201 |
| Andover | $1,555 |
| Annandale | $1,048 |
| Appalachia | $1,296 |
| Appomattox | $1,212 |
| Aquia Harbour | $1,053 |
| Ararat | $1,639 |
| Ark | $1,414 |
| Arlington | $1,011 |
| Aroda | $1,170 |
| Arrington | $1,192 |
| Arvonia | $1,285 |
| Ashburn | $1,011 |
| Ashland | $1,196 |
| Assawoman | $1,879 |
| Atkins | $1,240 |
| Atlantic | $1,905 |
| Augusta Springs | $1,080 |
| Austinville | $1,241 |
| Axton | $1,537 |
| Aylett | $1,278 |
| Bacova | $1,082 |
| Bailey's Crossroads | $1,025 |
| Banco | $1,149 |
| Bandy | $1,308 |
| Barboursville | $1,116 |
| Barhamsville | $1,326 |
| Barren Springs | $1,201 |
| Baskerville | $1,725 |
| Bassett | $1,567 |
| Bastian | $1,246 |
| Basye | $1,072 |
| Batesville | $1,079 |
| Battery Park | $1,652 |
| Bealeton | $1,086 |
| Beaumont | $1,174 |
| Beaverdam | $1,175 |
| Bedford | $1,140 |
| Bee | $1,389 |
| Belle Haven | $1,331 |
| Bellwood | $1,252 |
| Belmont | $999 |
| Belspring | $1,492 |
| Belview | $1,178 |
| Ben Hur | $1,321 |
| Bena | $1,348 |
| Benns Church | $1,658 |
| Bensley | $1,258 |
| Bent Mountain | $1,180 |
| Bentonville | $1,100 |
| Bergton | $1,070 |
| Berryville | $1,095 |
| Bethel Manor | $1,583 |
| Big Island | $1,187 |
| Big Rock | $1,310 |
| Big Stone Gap | $1,303 |
| Birchleaf | $1,370 |
| Birdsnest | $1,923 |
| Bishop | $1,252 |
| Blacksburg | $1,094 |
| Blackstone | $1,413 |
| Blackwater | $1,608 |
| Blairs | $1,537 |
| Bland | $1,282 |
| Bloxom | $1,898 |
| Blue Grass | $1,103 |
| Blue Ridge | $1,102 |
| Bluefield | $1,253 |
| Bluemont | $1,108 |
| Bohannon | $1,540 |
| Boissevain | $1,290 |
| Bon Air | $1,233 |
| Boones Mill | $1,182 |
| Boonesville | $1,080 |
| Boston | $1,160 |
| Bowling Green | $1,267 |
| Boyce | $1,134 |
| Boydton | $1,720 |
| Boykins | $1,834 |
| Bracey | $1,675 |
| Brambleton | $1,032 |
| Branchville | $1,803 |
| Brandermill | $1,228 |
| Brandy Station | $1,132 |
| Breaks | $1,359 |
| Bremo Bluff | $1,199 |
| Bridgewater | $1,040 |
| Brightwood | $1,197 |
| Bristol | $1,512 |
| Bristow | $1,083 |
| Broad Run | $1,140 |
| Broadford | $1,243 |
| Broadlands | $1,039 |
| Broadway | $1,023 |
| Brodnax | $1,711 |
| Brooke | $1,163 |
| Brookneal | $1,279 |
| Brownsburg | $1,092 |
| Brucetown | $1,091 |
| Bruington | $1,320 |
| Buchanan | $1,116 |
| Buckhall | $1,093 |
| Buckingham | $1,270 |
| Buena Vista | $1,112 |
| Buffalo Junction | $1,683 |
| Bull Run | $1,111 |
| Bumpass | $1,192 |
| Burgess | $1,343 |
| Burke | $1,034 |
| Burke Centre | $1,025 |
| Burkes Garden | $1,293 |
| Burkeville | $1,362 |
| Burnsville | $1,108 |
| Burr Hill | $1,225 |
| Callands | $1,252 |
| Callao | $1,353 |
| Callaway | $1,263 |
| Calverton | $1,111 |
| Camptown | $1,819 |
| Cana | $1,538 |
| Cape Charles | $1,897 |
| Capeville | $1,842 |
| Capron | $1,786 |
| Cardinal | $1,549 |
| Caret | $1,317 |
| Carrollton | $1,599 |
| Carrsville | $1,915 |
| Carson | $1,458 |
| Cartersville | $1,286 |
| Casanova | $1,099 |
| Cascade | $1,571 |
| Cascades | $1,028 |
| Castleton | $1,168 |
| Castlewood | $1,325 |
| Catawba | $1,088 |
| Catharpin | $1,129 |
| Catlett | $1,161 |
| Cave Spring | $1,095 |
| Cedar Bluff | $1,347 |
| Center Cross | $1,305 |
| Centreville | $1,063 |
| Ceres | $1,330 |
| Chamberlayne | $1,210 |
| Champlain | $1,344 |
| Chantilly | $1,043 |
| Charles City | $1,365 |
| Charlotte Court House | $1,365 |
| Charlottesville | $1,056 |
| Chase City | $1,388 |
| Chatham | $1,282 |
| Chatmoss | $1,523 |
| Check | $1,236 |
| Cheriton | $1,897 |
| Cherry Hill | $1,065 |
| Chesapeake | $1,862 |
| Chester | $1,213 |
| Chester Gap | $1,118 |
| Chesterfield | $1,233 |
| Chilhowie | $1,531 |
| Chincoteague | $1,872 |
| Chincoteague Island | $1,911 |
| Christchurch | $1,348 |
| Christiansburg | $1,115 |
| Church Road | $1,352 |
| Church View | $1,490 |
| Churchville | $1,114 |
| Claremont | $1,513 |
| Clarksville | $1,705 |
| Claudville | $1,589 |
| Claypool Hill | $1,344 |
| Clear Brook | $1,111 |
| Cleveland | $1,375 |
| Clifford | $1,213 |
| Clifton | $1,042 |
| Clifton Forge | $1,081 |
| Clinchco | $1,378 |
| Clintwood | $1,342 |
| Clover | $1,398 |
| Cloverdale | $1,055 |
| Cluster Springs | $1,625 |
| Cobbs Creek | $1,531 |
| Coeburn | $1,310 |
| Coleman Falls | $1,196 |
| Coles Point | $1,263 |
| Collinsville | $1,532 |
| Colonial Beach | $1,207 |
| Colonial Heights | $1,253 |
| Columbia | $1,205 |
| Concord | $1,157 |
| Copper Hill | $1,255 |
| Corbin | $1,149 |
| Countryside | $1,029 |
| County Center | $1,059 |
| Courtland | $1,789 |
| Covesville | $1,111 |
| Covington | $1,096 |
| Craddockville | $1,827 |
| Craigsville | $1,079 |
| Crewe | $1,345 |
| Criders | $1,087 |
| Crimora | $1,087 |
| Cripple Creek | $1,519 |
| Critz | $1,580 |
| Crockett | $1,252 |
| Cross Junction | $1,101 |
| Crosspointe | $1,042 |
| Crozet | $1,045 |
| Crozier | $1,253 |
| Crystal Hill | $1,377 |
| Cullen | $1,321 |
| Culpeper | $1,125 |
| Cumberland | $1,295 |
| Dahlgren | $1,204 |
| Dahlgren Center | $1,201 |
| Dale City | $1,070 |
| Daleville | $1,078 |
| Damascus | $1,521 |
| Dante | $1,432 |
| Danville | $1,530 |
| Davenport | $1,458 |
| Davis Wharf | $1,811 |
| Dayton | $1,049 |
| Deerfield | $1,098 |
| Delaplane | $1,169 |
| Deltaville | $1,494 |
| Dendron | $1,602 |
| Dewitt | $1,442 |
| Diggs | $1,562 |
| Dillwyn | $1,283 |
| Dinwiddie | $1,459 |
| Disputanta | $1,383 |
| Doe Hill | $1,102 |
| Dogue | $1,176 |
| Dolphin | $1,404 |
| Dooms | $1,068 |
| Doran | $1,355 |
| Doswell | $1,217 |
| Drakes Branch | $1,396 |
| Dranesville | $1,059 |
| Draper | $1,196 |
| Drewryville | $1,749 |
| Dry Fork | $1,525 |
| Dryden | $1,350 |
| Dublin | $1,220 |
| Duffield | $1,591 |
| Dugspur | $1,250 |
| Dulles | $1,030 |
| Dulles Town Center | $1,040 |
| Dumbarton | $1,229 |
| Dumfries | $1,067 |
| Dundas | $1,380 |
| Dungannon | $1,304 |
| Dunn Loring | $1,028 |
| Dunnsville | $1,349 |
| Dutton | $1,498 |
| Dyke | $1,080 |
| Eagle Rock | $1,125 |
| Earlysville | $1,076 |
| East Highland Park | $1,262 |
| East Lexington | $1,096 |
| East Stone Gap | $1,294 |
| Eastville | $1,815 |
| Ebony | $1,711 |
| Edinburg | $1,079 |
| Edwardsville | $1,296 |
| Eggleston | $1,211 |
| Elberon | $1,635 |
| Elk Creek | $1,503 |
| Elkton | $1,057 |
| Elkwood | $1,134 |
| Elliston | $1,104 |
| Emory | $1,504 |
| Emporia | $1,672 |
| Enon | $1,212 |
| Esmont | $1,111 |
| Etlan | $1,181 |
| Ettrick | $1,300 |
| Evergreen | $1,331 |
| Evington | $1,190 |
| Ewing | $1,668 |
| Exmore | $1,858 |
| Faber | $1,156 |
| Fair Lakes | $1,035 |
| Fair Oaks | $1,035 |
| Fairfax | $1,030 |
| Fairfax Station | $1,039 |
| Fairfield | $1,104 |
| Fairlawn | $1,185 |
| Falls Church | $1,017 |
| Falls Mills | $1,286 |
| Falmouth | $1,104 |
| Fancy Gap | $1,528 |
| Farmville | $1,258 |
| Farnham | $1,237 |
| Ferrum | $1,236 |
| Fieldale | $1,575 |
| Fincastle | $1,117 |
| Fishers Hill | $1,047 |
| Fishersville | $1,060 |
| Fleet | $1,933 |
| Flint Hill | $1,190 |
| Floris | $1,048 |
| Floyd | $1,204 |
| Ford | $1,400 |
| Forest | $1,072 |
| Fork Union | $1,204 |
| Fort Belvoir | $1,068 |
| Fort Blackmore | $1,578 |
| Fort Defiance | $1,053 |
| Fort Eustis | $1,587 |
| Fort Hunt | $1,039 |
| Fort Lee | $1,314 |
| Fort Mitchell | $1,362 |
| Fort Monroe | $1,758 |
| Fort Myer | $1,025 |
| Fort Valley | $1,145 |
| Foster | $1,517 |
| Franconia | $1,028 |
| Franklin | $1,695 |
| Franklin Farm | $1,042 |
| Franktown | $1,872 |
| Fredericksburg | $1,072 |
| Free Union | $1,051 |
| Freeman | $1,720 |
| Fries | $1,509 |
| Front Royal | $1,067 |
| Fulks Run | $1,077 |
| Gainesville | $1,065 |
| Galax | $1,486 |
| Gargatha | $1,896 |
| Gasburg | $1,702 |
| Gate City | $1,542 |
| George Mason | $1,043 |
| Glade Hill | $1,262 |
| Glade Spring | $1,504 |
| Gladstone | $1,223 |
| Gladys | $1,244 |
| Glasgow | $1,118 |
| Glen Allen | $1,210 |
| Glen Lyn | $1,159 |
| Glen Wilton | $1,061 |
| Gloucester | $1,440 |
| Gloucester Courthouse | $1,453 |
| Gloucester Point | $1,471 |
| Goldvein | $1,121 |
| Goochland | $1,272 |
| Goode | $1,188 |
| Goodview | $1,195 |
| Gordonsville | $1,125 |
| Gore | $1,116 |
| Goshen | $1,125 |
| Great Falls | $1,046 |
| Green Bay | $1,343 |
| Greenbackville | $1,954 |
| Greenbriar | $1,028 |
| Greenbush | $1,913 |
| Greenville | $1,136 |
| Greenway | $1,053 |
| Greenwood | $1,125 |
| Gretna | $1,266 |
| Grimstead | $1,487 |
| Grottoes | $1,055 |
| Groveton | $1,037 |
| Grundy | $1,282 |
| Gum Spring | $1,250 |
| Gwynn | $1,452 |
| Hacksneck | $1,897 |
| Hadensville | $1,188 |
| Hague | $1,229 |
| Halifax | $1,596 |
| Hallieford | $1,475 |
| Hallwood | $1,942 |
| Hamilton | $1,084 |
| Hampden Sydney | $1,377 |
| Hampden-Sydney | $1,248 |
| Hampton | $1,699 |
| Hanover | $1,241 |
| Harborton | $1,831 |
| Hardy | $1,177 |
| Hardyville | $1,479 |
| Harrisonburg | $1,028 |
| Harriston | $1,063 |
| Hartfield | $1,489 |
| Hayes | $1,485 |
| Hayfield | $1,023 |
| Haymarket | $1,099 |
| Haynesville | $1,202 |
| Haysi | $1,322 |
| Haywood | $1,206 |
| Head Waters | $1,130 |
| Heathsville | $1,366 |
| Henrico | $1,222 |
| Henry | $1,257 |
| Herndon | $1,053 |
| Highland Springs | $1,243 |
| Hillsville | $1,506 |
| Hiltons | $1,610 |
| Hinton | $1,071 |
| Hiwassee | $1,240 |
| Hollins | $1,083 |
| Hollymead | $1,042 |
| Honaker | $1,353 |
| Hood | $1,180 |
| Hopewell | $1,300 |
| Horntown | $1,861 |
| Horse Pasture | $1,529 |
| Horsepen | $1,264 |
| Hot Springs | $1,111 |
| Howardsville | $1,180 |
| Huddleston | $1,196 |
| Hudgins | $1,491 |
| Hume | $1,143 |
| Huntington | $1,006 |
| Huntly | $1,113 |
| Hurley | $1,318 |
| Hurt | $1,297 |
| Hustle | $1,332 |
| Hybla Valley | $1,041 |
| Idylwood | $1,025 |
| Independence | $1,530 |
| Independent Hill | $1,077 |
| Indian Valley | $1,221 |
| Innsbrook | $1,197 |
| Iron Gate | $1,097 |
| Irvington | $1,349 |
| Isle of Wight | $1,586 |
| Ivanhoe | $1,235 |
| Ivor | $1,522 |
| Ivy | $1,109 |
| Jamaica | $1,515 |
| James Store | $1,579 |
| Jamesville | $1,835 |
| Jarratt | $1,399 |
| Java | $1,325 |
| Jeffersonton | $1,092 |
| Jenkins Bridge | $1,793 |
| Jersey | $1,216 |
| Jetersville | $1,296 |
| Jewell Ridge | $1,283 |
| Jolivue | $1,062 |
| Jonesville | $1,615 |
| Keeling | $1,560 |
| Keen Mountain | $1,350 |
| Keene | $1,124 |
| Keezletown | $1,058 |
| Keller | $1,798 |
| Kenbridge | $1,392 |
| Kents Store | $1,174 |
| Keokee | $1,318 |
| Keswick | $1,133 |
| Keysville | $1,401 |
| Kilmarnock | $1,344 |
| King and Queen Court House | $1,417 |
| King George | $1,166 |
| King William | $1,307 |
| Kings Park | $1,031 |
| Kings Park West | $1,050 |
| Kingstowne | $1,030 |
| Kinsale | $1,262 |
| La Crosse | $1,655 |
| Lacey Spring | $1,048 |
| Lackey | $1,501 |
| Ladysmith | $1,185 |
| Lake Barcroft | $1,019 |
| Lake Caroline | $1,219 |
| Lake Holiday | $1,098 |
| Lake Land'Or | $1,217 |
| Lake Monticello | $1,137 |
| Lake of the Woods | $1,113 |
| Lake Ridge | $1,058 |
| Lake Wilderness | $1,111 |
| Lakeside | $1,221 |
| Lambsburg | $1,517 |
| Lancaster | $1,380 |
| Laneview | $1,404 |
| Lanexa | $1,311 |
| Lansdowne | $1,022 |
| Laurel | $1,216 |
| Laurel Fork | $1,534 |
| Laurel Hill | $1,058 |
| Lawrenceville | $1,698 |
| Lebanon | $1,273 |
| Lebanon Church | $1,095 |
| Leesburg | $1,031 |
| Leon | $1,144 |
| Lexington | $1,097 |
| Lightfoot | $1,405 |
| Lignum | $1,173 |
| Lincoln | $1,042 |
| Lincolnia | $1,035 |
| Linden | $1,084 |
| Linton Hall | $1,090 |
| Linville | $1,055 |
| Little Plymouth | $1,404 |
| Lively | $1,318 |
| Loch Lomond | $1,091 |
| Locust Dale | $1,194 |
| Locust Grove | $1,113 |
| Locust Hill | $1,551 |
| Locustville | $1,857 |
| Long Branch | $1,048 |
| Long Island | $1,290 |
| Loretto | $1,305 |
| Lorton | $1,058 |
| Lottsburg | $1,382 |
| Loudoun Valley Estates | $1,030 |
| Louisa | $1,212 |
| Lovettsville | $1,073 |
| Lovingston | $1,214 |
| Low Moor | $1,098 |
| Lowes Island | $1,032 |
| Lowry | $1,159 |
| Lunenburg | $1,441 |
| Luray | $1,082 |
| Lynch Station | $1,265 |
| Lynchburg | $1,118 |
| Lyndhurst | $1,109 |
| Machipongo | $1,946 |
| Madison | $1,184 |
| Madison Heights | $1,152 |
| Maidens | $1,217 |
| Manakin Sabot | $1,244 |
| Manassas | $1,095 |
| Manassas Park | $1,084 |
| Manchester | $1,235 |
| Mannboro | $1,231 |
| Manquin | $1,290 |
| Mantua | $1,068 |
| Mappsville | $1,893 |
| Marion | $1,224 |
| Marionville | $1,872 |
| Markham | $1,166 |
| Marshall | $1,149 |
| Martinsville | $1,519 |
| Marumsco | $1,066 |
| Maryus | $1,330 |
| Mascot | $1,310 |
| Mason Neck | $1,060 |
| Massanetta Springs | $1,024 |
| Massanutten | $1,026 |
| Mathews | $1,576 |
| Matoaca | $1,301 |
| Mattaponi | $1,373 |
| Maurertown | $1,094 |
| Mavisdale | $1,365 |
| Max Meadows | $1,218 |
| Maxie | $1,338 |
| McClure | $1,429 |
| McCoy | $1,176 |
| McDowell | $1,115 |
| McGaheysville | $1,025 |
| McKenney | $1,443 |
| McLean | $1,035 |
| McNair | $1,046 |
| Meadow View | $1,504 |
| Meadowbrook | $1,257 |
| Meadows of Dan | $1,553 |
| Meadowview | $1,508 |
| Mears | $1,851 |
| Mechanicsville | $1,197 |
| Meherrin | $1,366 |
| Melfa | $1,842 |
| Mendota | $1,592 |
| Meredithville | $1,418 |
| Merrifield | $1,040 |
| Merrimac | $1,094 |
| Merry Point | $1,274 |
| Middlebrook | $1,184 |
| Middleburg | $1,125 |
| Middletown | $1,085 |
| Midland | $1,105 |
| Midlothian | $1,230 |
| Milford | $1,249 |
| Millboro | $1,119 |
| Millers Tavern | $1,321 |
| Millwood | $1,127 |
| Mineral | $1,209 |
| Mint Spring | $1,081 |
| Mitchells | $1,176 |
| Modest Town | $1,814 |
| Mollusk | $1,278 |
| Moneta | $1,163 |
| Monroe | $1,179 |
| Montclair | $1,067 |
| Montebello | $1,207 |
| Monterey | $1,149 |
| Montpelier | $1,232 |
| Montpelier Station | $1,152 |
| Montrose | $1,244 |
| Montross | $1,226 |
| Montvale | $1,107 |
| Moon | $1,560 |
| Morattico | $1,216 |
| Moseley | $1,284 |
| Motley | $1,300 |
| Mount Crawford | $1,050 |
| Mount Holly | $1,209 |
| Mount Jackson | $1,084 |
| Mount Sidney | $1,063 |
| Mount Solon | $1,068 |
| Mount Vernon | $1,054 |
| Mouth of Wilson | $1,535 |
| Mustoe | $1,129 |
| Narrows | $1,185 |
| Naruna | $1,167 |
| Nassawadox | $1,874 |
| Nathalie | $1,297 |
| Natural Bridge | $1,136 |
| Natural Bridge Station | $1,126 |
| Naval Weapons Station | $1,551 |
| Neabsco | $1,069 |
| Nellysford | $1,142 |
| Nelson | $1,675 |
| Nelsonia | $1,823 |
| New Baltimore | $1,116 |
| New Canton | $1,237 |
| New Castle | $1,125 |
| New Church | $1,851 |
| New Hope | $1,092 |
| New Kent | $1,308 |
| New Market | $1,093 |
| New Point | $1,549 |
| New River | $1,181 |
| Newbern | $1,188 |
| Newington | $1,044 |
| Newington Forest | $1,041 |
| Newport | $1,181 |
| Newport News | $1,607 |
| Newsoms | $1,805 |
| Newtown | $1,321 |
| Nickelsville | $1,566 |
| Ninde | $1,147 |
| Nokesville | $1,115 |
| Nora | $1,413 |
| Norfolk | $1,831 |
| Norge | $1,259 |
| North | $1,579 |
| North Garden | $1,099 |
| North Shore | $1,158 |
| North Springfield | $1,032 |
| North Tazewell | $1,283 |
| Norton | $1,294 |
| Norwood | $1,510 |
| Nottoway | $1,346 |
| Nuttsville | $1,222 |
| Oak Grove | $1,035 |
| Oak Hall | $1,816 |
| Oakpark | $1,165 |
| Oakton | $1,046 |
| Oakwood | $1,313 |
| Oilville | $1,254 |
| Oldhams | $1,218 |
| Onancock | $1,868 |
| Onemo | $1,560 |
| Onley | $1,894 |
| Ophelia | $1,222 |
| Orange | $1,177 |
| Ordinary | $1,417 |
| Oriskany | $1,134 |
| Orkney Springs | $1,091 |
| Orlean | $1,079 |
| Oyster | $1,762 |
| Paeonian Springs | $1,159 |
| Paint Bank | $1,103 |
| Painter | $1,857 |
| Palmyra | $1,143 |
| Pamplin | $1,313 |
| Pantops | $1,040 |
| Paris | $1,142 |
| Parksley | $1,897 |
| Parrott | $1,149 |
| Partlow | $1,171 |
| Patrick Springs | $1,560 |
| Pearisburg | $1,243 |
| Pembroke | $1,184 |
| Penhook | $1,212 |
| Penn Laird | $1,046 |
| Pennington Gap | $1,593 |
| Petersburg | $1,343 |
| Phenix | $1,325 |
| Philomont | $1,055 |
| Pilgrims Knob | $1,346 |
| Pilot | $1,208 |
| Pimmit Hills | $1,023 |
| Piney River | $1,216 |
| Pittsville | $1,396 |
| Pleasant Valley | $1,040 |
| Plum Creek | $1,117 |
| Pocahontas | $1,303 |
| Poquoson | $1,683 |
| Port Haywood | $1,561 |
| Port Republic | $1,073 |
| Port Royal | $1,260 |
| Portsmouth | $1,738 |
| Potomac Mills | $1,057 |
| Pound | $1,355 |
| Pounding Mill | $1,346 |
| Powhatan | $1,227 |
| Pratts | $1,169 |
| Prince George | $1,321 |
| Prospect | $1,265 |
| Providence Forge | $1,312 |
| Pulaski | $1,277 |
| Pungoteague | $1,824 |
| Purcellville | $1,062 |
| Quantico | $1,091 |
| Quantico Base | $1,098 |
| Quicksburg | $1,089 |
| Quinby | $1,830 |
| Quinque | $1,154 |
| Quinton | $1,249 |
| Radford | $1,193 |
| Radiant | $1,235 |
| Randolph | $1,334 |
| Raphine | $1,122 |
| Rapidan | $1,172 |
| Rappahannock Academy | $1,189 |
| Raven | $1,332 |
| Ravensworth | $1,032 |
| Rawlings | $1,393 |
| Rectortown | $1,108 |
| Red Ash | $1,358 |
| Red House | $1,355 |
| Red Oak | $1,683 |
| Redwood | $1,210 |
| Reedville | $1,352 |
| Remington | $1,095 |
| Rescue | $1,575 |
| Reston | $1,027 |
| Reva | $1,177 |
| Rhoadesville | $1,202 |
| Rice | $1,317 |
| Rich Creek | $1,179 |
| Richardsville | $1,141 |
| Richlands | $1,265 |
| Richmond | $1,256 |
| Ridgeway | $1,573 |
| Rileyville | $1,101 |
| Riner | $1,210 |
| Ringgold | $1,534 |
| Ripplemead | $1,180 |
| Rivanna | $1,135 |
| Riverview | $1,306 |
| Rixeyville | $1,084 |
| Roanoke | $1,103 |
| Rochelle | $1,175 |
| Rockbridge Baths | $1,132 |
| Rockville | $1,255 |
| Rockwood | $1,233 |
| Rocky Gap | $1,281 |
| Rocky Mount | $1,147 |
| Rollins Fork | $1,129 |
| Rose Hill | $1,266 |
| Rosedale | $1,342 |
| Roseland | $1,202 |
| Round Hill | $1,061 |
| Rowe | $1,382 |
| Ruby | $1,121 |
| Ruckersville | $1,099 |
| Rural Retreat | $1,233 |
| Rushmere | $1,677 |
| Rustburg | $1,214 |
| Ruther Glen | $1,230 |
| Ruthville | $1,271 |
| Salem | $1,048 |
| Saltville | $1,246 |
| Saluda | $1,511 |
| Sandston | $1,246 |
| Sandy Hook | $1,240 |
| Sandy Level | $1,333 |
| Sandy Point | $1,295 |
| Sanford | $1,878 |
| Saxe | $1,344 |
| Saxis | $1,793 |
| Schley | $1,369 |
| Schuyler | $1,157 |
| Scottsburg | $1,662 |
| Scottsville | $1,171 |
| Seaford | $1,564 |
| Sealston | $1,200 |
| Seaview | $1,741 |
| Sedley | $1,471 |
| Selma | $1,126 |
| Seven Corners | $1,017 |
| Severn | $1,365 |
| Shacklefords | $1,417 |
| Sharps | $1,263 |
| Shawneeland | $1,079 |
| Shawsville | $1,134 |
| Shenandoah | $1,102 |
| Shenandoah Farms | $1,072 |
| Shipman | $1,183 |
| Short Pump | $1,208 |
| Shortt Gap | $1,340 |
| Singers Glen | $1,035 |
| Skippers | $1,736 |
| Skipwith | $1,694 |
| Skyland Estates | $1,088 |
| Smithfield | $1,657 |
| Somerset | $1,200 |
| Somerville | $1,117 |
| South Boston | $1,616 |
| South Hill | $1,653 |
| South Riding | $1,045 |
| South Run | $1,035 |
| Southern Gateway | $1,101 |
| Sparta | $1,205 |
| Speedwell | $1,525 |
| Spencer | $1,614 |
| Sperryville | $1,168 |
| Spotsylvania | $1,095 |
| Spotsylvania Courthouse | $1,097 |
| Spottswood | $1,100 |
| Spout Spring | $1,221 |
| Spring Grove | $1,518 |
| Springfield | $1,032 |
| St. Charles | $1,307 |
| St. Paul | $1,297 |
| St. Stephens Church | $1,331 |
| Stafford | $1,059 |
| Stafford Courthouse | $1,055 |
| Staffordsville | $1,262 |
| Stanardsville | $1,130 |
| Stanley | $1,128 |
| Stanleytown | $1,553 |
| Star Tannery | $1,086 |
| State Farm | $1,151 |
| Staunton | $1,066 |
| Steeles Tavern | $1,100 |
| Stephens City | $1,055 |
| Stephenson | $1,100 |
| Sterling | $1,039 |
| Stevensburg | $1,179 |
| Stevensville | $1,451 |
| Stone Ridge | $1,037 |
| Stony Creek | $1,417 |
| Strasburg | $1,075 |
| Stratford | $1,179 |
| Stuart | $1,584 |
| Stuarts Draft | $1,083 |
| Studley | $1,307 |
| Sudley | $1,114 |
| Suffolk | $1,787 |
| Sugar Grove | $1,538 |
| Sugarland Run | $1,044 |
| Sumerduck | $1,154 |
| Surry | $1,606 |
| Susan | $1,528 |
| Sussex | $1,442 |
| Sutherland | $1,380 |
| Sutherlin | $1,565 |
| Sweet Briar | $1,492 |
| Swoope | $1,151 |
| Swords Creek | $1,298 |
| Syria | $1,162 |
| Tangier | $1,725 |
| Tannersville | $1,357 |
| Tappahannock | $1,307 |
| Tasley | $1,732 |
| Tazewell | $1,276 |
| Temperanceville | $1,833 |
| Thaxton | $1,143 |
| The Plains | $1,140 |
| Thornburg | $1,211 |
| Thynedale | $1,386 |
| Timberlake | $1,118 |
| Timberville | $1,042 |
| Toano | $1,326 |
| Toms Brook | $1,103 |
| Topping | $1,521 |
| Townsend | $1,848 |
| Trevilians | $1,245 |
| Triangle | $1,098 |
| Troutdale | $1,533 |
| Troutville | $1,074 |
| Troy | $1,137 |
| Tuckahoe | $1,213 |
| Tyro | $1,211 |
| Tysons Corner | $1,027 |
| Union Hall | $1,249 |
| Unionville | $1,187 |
| University Center | $1,003 |
| University of Virginia | $1,048 |
| Upperville | $1,176 |
| Urbanna | $1,463 |
| Valentines | $1,674 |
| Vansant | $1,337 |
| Vernon Hill | $1,616 |
| Verona | $1,077 |
| Vesta | $1,281 |
| Vesuvius | $1,147 |
| Victoria | $1,383 |
| Vienna | $1,035 |
| Viewtown | $1,106 |
| Villa Heights | $1,523 |
| Village | $1,225 |
| Villamont | $1,270 |
| Vinton | $1,108 |
| Virgilina | $1,641 |
| Virginia Beach | $2,196 |
| Virginia State University | $1,337 |
| Wachapreague | $1,900 |
| Wake | $1,502 |
| Wakefield | $1,250 |
| Walkerton | $1,325 |
| Wallops Island | $1,925 |
| Wardtown | $1,817 |
| Ware Neck | $1,386 |
| Warfield | $1,428 |
| Warm Springs | $1,111 |
| Warrenton | $1,102 |
| Warsaw | $1,240 |
| Washington | $1,154 |
| Water View | $1,557 |
| Waterford | $1,116 |
| Wattsville | $1,887 |
| Waverly | $1,548 |
| Waynesboro | $1,068 |
| Weber City | $1,560 |
| Weems | $1,360 |
| West Augusta | $1,117 |
| West Falls Church | $1,022 |
| West Mclean | $1,037 |
| West Point | $1,316 |
| West Springfield | $1,046 |
| Weyers Cave | $1,057 |
| White Marsh | $1,401 |
| White Plains | $1,671 |
| White Post | $1,120 |
| White Stone | $1,382 |
| Whitetop | $1,549 |
| Whitewood | $1,319 |
| Wicomico | $1,397 |
| Wicomico Church | $1,296 |
| Williamsburg | $1,314 |
| Williamsville | $1,108 |
| Willis | $1,204 |
| Willis Wharf | $1,930 |
| Wilsons | $1,396 |
| Winchester | $1,086 |
| Windsor | $1,656 |
| Wingina | $1,225 |
| Wintergreen | $1,146 |
| Wirtz | $1,200 |
| Wise | $1,380 |
| Withams | $1,874 |
| Wolf Trap | $1,032 |
| Wolford | $1,340 |
| Wolftown | $1,147 |
| Woodberry Forest | $1,148 |
| Woodbridge | $1,062 |
| Woodburn | $1,064 |
| Woodford | $1,180 |
| Woodlake | $1,229 |
| Woodlawn | $1,365 |
| Woods Cross Roads | $1,369 |
| Woodstock | $1,070 |
| Woodville | $1,145 |
| Woolwine | $1,294 |
| Wylliesburg | $1,425 |
| Wyndham | $1,215 |
| Wytheville | $1,195 |
| Yale | $1,382 |
| Yorkshire | $1,084 |
| Yorktown | $1,537 |
| Zacata | $1,232 |
| Zuni | $1,620 |
Home and auto insurance bundling in Virginia
How can you lower the rate of homeowners insurance in Virginia? One way is by bundling your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,133 | $1,064 | $69 | 6.1% |
Home insurance discounts in Virginia
Using the discounts provided by your insurer is another way by which you can buy cheap homeowners insurance in Virginia. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| All state | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Erie | ✓ | - | - | - | - | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best homeowners insurance in Virginia? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Virginia
These are a few reasons that lead to home insurance claims in the state.
- Flooding: Floods are a risk to residents throughout the state, even if they live outside a mapped floodplain or high-risk zone. Since standard home insurance policies don’t cover flood damage, it is necessary to buy the insurance additionally.
- Hurricanes: Hurricanes lead to storm surges and heavy rainfall in coastal areas. Tornadoes can form in Virginia when a powerful hurricane passes through. In Virginia, at least 15 hurricanes have produced tornadoes. So, it is best to have hurricane coverage to protect your home.
Does homeowners insurance cover flooding in Virginia?
No. Typically a home insurance policy never covers flood damage under any circumstances. So, you must buy flood insurance additionally from a private insurer or FEMA’s National Flood Insurance Program (NFIP). The coverage provided by a private insurer may differ, but NFIP offers the following coverages.
- Your home’s structure - $250,000
- Personal property - $100,000
Does homeowners insurance cover hurricanes in Virginia?
Insurers hesitate to cover hurricanes completely as they cause catastrophic damage and destroy buildings. Virginia residents are more susceptible to hurricane damage. Around 26,960 single-family homes in Virginia are at high risk of hurricane damage. If you live in a coastal area, reviewing and understanding your home insurance policy is critical.
It is because a home insurance policy won’t cover hurricane damage — you’ll need additional flood and windstorm insurance policies, which will pay for repairs or replacements. Depending on where you live, the insurer may need a separate hurricane deductible if you live in a hurricane-prone area. These are the common hurricane deductibles in the state.
| Insurer | Average annual rate with a hurricane deductible |
|---|---|
| Virginia Farm Bureau | $633 |
| Erie | $814 |
| State Farm | $831 |
| Nationwide | $856 |
| Allstate | $$859 |
Factors that affect home insurance rates in Virginia
Do you want to buy cheap homeowners insurance in Virginia? Then check for these factors before buying one.
- Your location: Your ZIP Code, the volume of nearby claims, and your area’s theft rate impact your insurance premiums.
- Replacement cost: Virginia homeowners insurance costs vary depending on local labor and construction material rates.
- Age/condition: Older properties will always be more expensive to insure than newer properties.
- Claims history: If you regularly submit claims, insurers consider you risky. Then, expect your insurance premiums to surge.
- Credit history: Most insurers will double-check your credit score before providing home insurance coverage. If you have a low credit score, be prepared to spend more for homeowners insurance in Virginia.
- Dog breed: Most insurers label some dog breeds ‘dangerous.’ If your insurer values your dog breed so, the price of Virginia home insurance will increase.
Tips for buying homeowners insurance
Are you looking to find the best home insurance in Virginia? Then follow these tips!
- Assess your rebuilding costs: Talk with your insurance agent or a reputed builder to check how much it would cost to reconstruct your house with inexpensive building materials and local labor.
- Review the advantage of replacement cost over actual cash value: Purchasing replacement cost insurance for your house and other belongings may be essential.
- Consider add-on coverage for your expensive items: If you own costly items like high-end electronics, antiques, sporting gear, or musical instruments, you must buy personal property coverage.
- Evaluate your liability coverage needs: Determine your required minimum liability insurance limit.
- Assess coverage gaps: Many insurers offer high coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most insurers get ratings from organizations like AM Best and Standard & Poor’s. So many firms won’t let you apply for a mortgage if your insurer doesn’t have a minimum ‘A’ financial strength rating.
- Check for discounts: Use all the discounts the insurer offers.
- Compare quotes from various insurance companies: Virginia homeowners insurance premiums may vary based on your insurance company. To find the best home insurance in Virginia, you must compare quotes from all the insurers.
How to get Virginia home insurance with Way.com
The average homeowners insurance cost in Virginia is around $1,133 yearly. The rate is lower than the national average rate. However, you can still buy a more reasonable home insurance policy. But how’s that possible? That’s where Way.com can help you!
You must use our website or app to gather quotes from all insurers in Virginia. Then you must compare these quotes and buy a policy with the most affordable rate. Do you need extra help? Then our agents in the state can help you. They will help you understand the Virginia home insurance laws, the most complex insurance terms, discounts, and coverages.
So, contact our insurance agents in your state if you want to buy the best homeowners insurance in Virginia.
FAQs
How much is homeowners insurance in Virginia?
Home insurance in Virginia costs $1,133 yearly.
What is the average cost of homeowners insurance in Virginia?
The average homeowners insurance cost in Virginia is around $1,133 annually.
What types of homeowners insurance coverage are recommended in Virginia?
Dwelling, liability, personal property, and additional living expenses are some coverages included in your home insurance policy. Also, you must buy coverages additionally for flooding, windstorm, water backup, and extended replacement cost value.
Do you need homeowners insurance in Virginia?
No, the law doesn’t mandate buying homeowners insurance in Virginia. But it is almost certainly required by your mortgage company to obtain a loan.
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