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Fluvanna County, VA Homeowners Insurance Quotes

Fluvanna County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Virginia homeowners policy.

Fluvanna County Coastal Home Insurance

Because Fluvanna County is in a coastal area, it's important to know that flood zones are crucial along the coast that are prone to hurricanes and tropical storms. Flood insurance programs can be offered to you through your current home insurance carrier or through the National Flood Insurance Programs available in Fluvanna County. Speaking with a licensed professional at GetHomeInsuranceQuotes.com allows you to review all coverage options and apply coverages like flood, hurricane insurance and wind hail coverage. Let us help you get the right coastal insurance coverage for your home in Fluvanna County.

Basic Coverage Protection and Rates

For a basic standard homeowners policy in Fluvanna County also referred to as an HO-3 policy, you are looking at paying around $92.25 per month. Most homeowners pay annually for home insurance which is estimated to be around $1107 per year. Fluvanna County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Virginia enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Fluvanna County homeowners policy for you.

For all Fluvanna County, VA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Fluvanna County? Simply enter your zip code to get your Virginia homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Fluvanna County, VA Housing Demographics

With 25,691 residents living within the Fluvanna County area there are over 10,383 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,118 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Fluvanna County.

DemographicValues
Total Occupied Households9,449
Family Households (families)7,118
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units10,383

Fluvanna County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Fluvanna County (FIPS: 51065), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Virginia is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Fluvanna County, VA, it's important that you look into hurricane and windstorm insurance options.

Fluvanna County, VA Home Insurance Average Premiums

Local Fluvanna, VA homeowners insurance quotes comparison

$841 /yr.

Virginia's Average Home Insurance Rates Overall

For the state of Virginia, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 33 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$604 /yr.
Current Average Cost:$841 /yr.
Maximum Range:$1107 /yr.

Fluvanna County, VA Coastal Wind, Hail & Flood Information

Fluvanna is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Virginia Homeowners Insurance News & Information

  • 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 […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

Discounts For Homeowners in Fluvanna County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Virginia homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Fluvanna County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Fluvanna County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Fluvanna County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Fluvanna County Housing & Real Estate Data

Details:Statistics
Total Housing Units10383
Occupied Housing Units9449
Vacant Housing Units934
Vacant Housing Units for Rent81
Vacant Housing Units Rented Not Occupied14
Vacant Housing Units For Sale190
Vacant Housing Units Sold Not Occupied27
Vacant Housing Units For Seasonal Occasional Use328
Vacant Housing Units All Other Vacants294
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent5
Housing Tenure Occupied Units9449
Housing Tenure Occupied Units Owner Occupied8012
Housing Tenure Occupied Units Owner Occupied Population20515
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied1437
Housing Tenure Occupied Units Renter Occupied Population3904
Housing Tenure Occupied Units Renter Occupied Average Household Size3