Dayton, VA Homeowners Insurance Rate Quotes!

Homeowners of Dayton, VA, below are the most popular reasons homeowners in your area are now looking for more affordable insurance rates online.

You are so tired of seeing your Dayton home insurance rates increase year over year, that you are now taking the time to shop around in search of free quotes to review, compare and hopefully save more money.
You are looking for a new home in Dayton, VA and want to compare quotes to see if your premium will have any effect on your monthly mortgage payment.

Regardless of the reason, you want great coverage for an affordable price, right? Every homeowner in Dayton wants to save more money and decreasing your monthly mortgage payment each month certainly helps you do that. That is why we offer an easy solution to shop and compare rates online, because if we can help you save hundreds on your new homeowners policy then your monthly budget will decrease on home expenses. With our quick online quoting application, we can help you review rates from up to 12 home insurance companies that are all very competitive in Dayton.

Dayton, VA Average Home Insurance Rates

Average premiums in Dayton, VA are increasing. Virginia is now ranked 33 in the country for the highest premium. The national average is $1311 a year, and your local premiums can range from $556 a year to over $1,106 a year for a standard homeowners insurance policy. It's important to know that a basic homeowners policy will include structured, contents and liability coverage. This type of policy will help cover your Dayton home from fire, weather, burglary and injuries on your property. If you have any questions about your insurance coverage in Dayton, please give us a call, we can quickly answer any questions that you may have.

For low premium rates for your home in Dayton, let us help you save up to 40% or more on your new home insurance policy. Let us help you discover affordable homeowners insurance rates today. Shop online or give us a call now: 1-855-976-2656.

Compare Homeowners Insurance Rates in Dayton, VA!

Get up to 12 competitive Dayton, VA homeowners insurance rates all in one place!

Dayton, VA Home Insurance Companies

With over 20+ years of Virginia homeowners insurance coverage and quoting experience, we enjoy helping customer find the best price and coverage options for your home in Dayton, VA. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General and Heritage Insurance. Getting the best insurance rates with the right insurance company is key to protecing your Dayton home. Let us help you shop the best rates and coverages today!

Review the Best Virginia Home Insurance Rates Today!

Average Rates Nearby Dayton

Are you looking for homeowners insurance in a city near Dayton? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Dayton, VA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Dayton.

22821,

Dayton, VA Home Insurance Average Premiums

Local Dayton, VA home insurance quotes comparison

$556 /yr.

Shows Dayton's lowest average rates with discounts applied.

For the city of Dayton, 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)	$556 /yr.
Average Coverage:	$806 /yr.
2600 sq. ft. or higher (all discounts applied)	$1106 /yr.

What is the average home insurance cost for a home in Dayton, VA?

• The average homeowners insurance premium paid annually for a home in Dayton is around $806 per year.

What does it cost on average per month for home insurance in Dayton, VA?

• Homeowners in Dayton pay an average cost per month around $67.00 for insurance coverage.

Dayton, VA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$290,482	$267,696
February	$296,288	$271,304
March	$302,954	$274,757
April	$307,326	$277,725

Homeowners insurance will help cover the cost to repair or replace your Dayton home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Dayton
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Dayton, VA homeowners insurance rates all in one place!

Saving Money Tips on Dayton Home Insurance

A great way to save money on Dayton homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Dayton area? Check out what homeowners are paying on average for Virginia homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1810 ft.	This is the average home elevation in Dayton, VA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Virginia flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Dayton, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Rockingham County.

Virginia Homeowners Insurance News & Information

2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Dayton, VA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Dayton so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Dayton, VA?

- The average square footage in Dayton is around 1,343 Sq. Ft. which would cost you around $218,900 to replace the home if you base the home on the price to build per square foot of $163.

Minimum Replacement Cost Total: $218,900

Location: Dayton, Virginia (Rockingham County)

Average Building Cost Per Square Foot in Dayton: $163 (low end)

Average Square Footage in Dayton: 1,343 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$163	$218,900
Some Additional Upgrades	$204	$273,625
Major Home Updates or Advancements	$245	$328,350

Calculate Your Dayton, VA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($163) in Dayton, Virginia times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $509,375 (Media price to build of $204 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.