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Virginia Homeowners Insurance Quotes

Homeowners in the state of Virginia usually pay a very low homeowners insurance premium on average compared to other states, it's state rank for the past decade has been 33.62. Although, Virginia homes cost less to insure the state is still prone to major floods, thunderstorms, lightning and most of all hurricanes. If you still have a mortgage on your home then the minimum requirement by your lender for home insurance coverage may not be very beneficial. That's why it's important to shop multiple carriers online so our Virginia agents can provide the best coverage for the most affordable price.

Remember, your standard homeowners insurance policy does not cover your home in case of a flood, so it's best to consult with your agent about the location of your home and the need for additional wind or flood insurance coverage. Unlike Virginia, it's neighboring states like North Carolina usually take the hit during hurricane season as a protective barrier to wind and rain as most wind storms are reduced in size before they hit the Virgina Beach coastline.

For Virginia homeowners insurance quotes, you can start shopping online today, all you need to do is enter your zip code to get started.

About Our Service

Our experience for providing superior home insurance services dates back to 1974. You can trust that our Virginia licensed agents are ready to review your home details and provide the best quote possible for the coverage options that may be available to you. Our current carriers for residents living in the "Old Dominion" state are top rated companies like Travelers, Safeco Insurance, Progressive, Bankers Financial & Insurance and Liberty Mutual. Take advantage of our multiple quoting options today and enjoy our consultation process. Let's work together and get the coverage your home and family needs.

Average Homeowners Insurance Premiums in Virginia

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Virginia homeowners are paying on average. Did you know that the average homeowners insurance premium in Virginia is $1107? Virginia is now ranked 33 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Virginia is 15.56% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1107 (2.5%)$ 9233
2019$1080 (5.3%)$ 9032
2018$1026 (2.67%)$ 8634
2017$999 (3.36%)$ 8334
2016$966 (2.09%)$ 8135

When we combine the state averages over the last decade, the Virginia overall average is estimated to be around $953.27. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Virginia current state rank compare to the rest of the country is #33. Consider shopping your Virginia home insurance with us so we can help you save up to 40% or more on your policy.

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 […]

Virginia Housing & Real Estate Data

Details:Staticstics
Total Housing Units3364939
Occupied Housing Units3056058
Vacant Housing Units308881
Vacant Housing Units for Rent82493
Vacant Housing Units Rented Not Occupied5408
Vacant Housing Units For Sale44881
Vacant Housing Units Sold Not Occupied9570
Vacant Housing Units For Seasonal Occasional Use80468
Vacant Housing Units All Other Vacants86061
Housing Units Homeowner Vacancy Rate Percent2.1
Housing Units Rental Vacancy Rate Percent7.6
Housing Tenure Occupied Units3056058
Housing Tenure Occupied Units Owner Occupied2055186
Housing Tenure Occupied Units Owner Occupied Population5345619
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.6
Housing Tenure Occupied Units Renter Occupied1000872
Housing Tenure Occupied Units Renter Occupied Population2415571
Housing Tenure Occupied Units Renter Occupied Average Household Size2.41

Understanding Virginia Homeowners Insurance

When shopping for Virginia homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Virginia renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Virginia, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Virginia rates and coverage options.