Dolphin, VA Homeowners Insurance Rate Quotes!

Are you shopping online because your homeowners insurance rates have increased in Dolphin, VA? Getting mulitiple home insurance quotes from GetHomeInsuranceQuotes.com of Virginia couldn't be easier. Within minutes you can compare the most competitive prices and use our free consultation process to help you decide which coverage and rate is best for you and your family. The insurance providers that we shop for you are very competitive in Dolphin and have an above average rating with A.M. Best. If you have additional questions or would prefer to work with our specialized Virginia insurance agent then please give us a call. For faster quotes, you can get your Dolphin home insurance quotes online by entering your zip code of the home you would like to insure.

What is a Dolphin, VA home insurance policy? For Dolphin homeowners, you may be interested to know that a home insurance policy is classified as a multiperl. This simply means that it combines both your property and casualty coverage into one packaged policy making it convenient and less expensive to insure your home in Dolphin. Your Virginia home insurance policy is designed to protect you from major risk like theft, fire and wind/hail damage. In addition, your new policy can also cover your belongings and liability coverage that may occur due to accidents or injury. Our agents feel it is important for you save money on the cost of your home insurance, but understanding the benefits of great coverage can help protect you when you need it most.

Dolphin, VA City Information

Source	Value
Location:	Dolphin, VA (BRUNSWICK County)
Population:	654
Occupied Residents:	286
Average Real Estate Value Per Zip Code:	$99,000

Average Dolphin Home Insurance Rates

Let's review home insurance rates for the city of Dolphin. Did you know that homeowners are finding easier ways to get more affordable rates by shopping online? Virginia may not be the cheapest state in the country to purchase a home insurance policy, it does rank lower than average at a national rank of 33. Homeowners of Dolphin, VA are currently paying between $570.00 and $1,120.00 for an annual home insurance premium. On a national scale, homeowners are paying $1,311 per year on average, and for Virginia the average rate combining all premiums is around $1,107 a year. These average home insurance rates reflect the annual premium of a standard HO-3 home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Finding the best homeowners insurance rates online is very easy with GetHomeInsuranceQuotes.com, please allow our shopping services to provide huge savings benefits for you and your family. Save now by shopping rates and review prices as low as $68.00 per month. First, enter your zip code to start shopping local Dolphin, VA homeowners insurance rates. Once you process your online application, we can compare up to 12 competitive rates for you. We can also provide a free consultation to allow you to review the policies and ask questions to help alter the coverages and rates. Our process is free and online takes a few minutes of your time. Thousands of Dolphin homeowners every month trust our home insurance shopping service. Try it today!

Compare Homeowners Insurance Rates in Dolphin, VA!

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

Dolphin, 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 Dolphin, 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 Dolphin home. Let us help you shop the best rates and coverages today!

Review the Best Virginia Home Insurance Rates Today!

Average Rates Nearby Dolphin

Are you looking for homeowners insurance in a city near Dolphin? 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 Dolphin, VA

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

23843,

Dolphin, VA Home Insurance Average Premiums

Local Dolphin, VA home insurance quotes comparison

$570 /yr.

Shows Dolphin's lowest average rates with discounts applied.

For the city of Dolphin, 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)	$570 /yr.
Average Coverage:	$820 /yr.
2600 sq. ft. or higher (all discounts applied)	$1120 /yr.

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

• The average homeowners insurance premium paid annually for a home in Dolphin is around $820 per year.

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

• Homeowners in Dolphin pay an average cost per month around $68.00 for insurance coverage.

Dolphin, VA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$92,035	$0

Homeowners insurance will help cover the cost to repair or replace your Dolphin 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 Dolphin
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 Dolphin, VA homeowners insurance rates all in one place!

Saving Money Tips on Dolphin Home Insurance

A great way to save money on Dolphin 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 Dolphin 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
307 ft.	This is the average home elevation in Dolphin, 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 Dolphin, 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 Brunswick County.

Virginia Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

Dolphin, VA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Dolphin 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 Dolphin, VA?

- The average square footage in Dolphin is around 607 Sq. Ft. which would cost you around $99,000 to replace the home if you base the home on the price to build per square foot of $163.

Minimum Replacement Cost Total: $99,000

Location: Dolphin, Virginia (Brunswick County)

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

Average Square Footage in Dolphin: 607 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$163	$99,000
Some Additional Upgrades	$204	$123,750
Major Home Updates or Advancements	$245	$148,500

Calculate Your Dolphin, VA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($163) in Dolphin, 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.