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James City County, VA Homeowners Insurance Quotes

A James City County home insurance policy can protect your home from major damages due to fires, lightning, hurricanes, high winds, theft, falling objects and even vandalism. This type of coverage is known as a basic or standard Virginia home insurance policy.

Coastal James City County Home Insurance

It's also important to know that flood protection is crucial for coastal areas like James City County that are prone to hurricanes and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your standard home insurance policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for James City County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average James City County Rates & Savings!

When discussing homeowners insurance coverage within or nearby James City County, residents are finding great ways to save time and money by getting cheaper premiums when they shop online because you can compare prices and coverages. Virginia may not be considered the cheapest state in the country to buy home insurance, but it does rank lower than average at a nationwide rank of 33. Homeowners within James City County, VA are currently paying $1107 for home insurance on average, where the majority of the U.S. homeownership population pays around $1,249. These average home insurance rates reflect the cost of a standard homeowners policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop lower rates with savings up to 40% or more and compare up to 12 competitive quotes for you today! Start a James City County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all James City 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 James City 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.

James City County, VA Housing Demographics

With 67,009 residents living within the James City County area there are over 29,797 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 19,557 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 James City County.

DemographicValues
Total Occupied Households26,860
Family Households (families)19,557
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units29,797

James City County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in James City County (FIPS: 51095), 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 James City County, VA, it's important that you look into hurricane and windstorm insurance options.

James City County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Virginia.

Helpful Articles:

James City County, VA Home Insurance Average Premiums

Local James City, 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.

James City County, VA Coastal Wind, Hail & Flood Information

James City 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.

Flood Zone Notice: The beautiful coastal county of James City is know for it's beautiful beaches and waterways. Because James City County (FIPS: 51095) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in James City County.

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 James City 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 James City 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 James City 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 James City 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.

James City County Housing & Real Estate Data

Details:Statistics
Total Housing Units29797
Occupied Housing Units26860
Vacant Housing Units2937
Vacant Housing Units for Rent497
Vacant Housing Units Rented Not Occupied36
Vacant Housing Units For Sale487
Vacant Housing Units Sold Not Occupied91
Vacant Housing Units For Seasonal Occasional Use1438
Vacant Housing Units All Other Vacants388
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units26860
Housing Tenure Occupied Units Owner Occupied20429
Housing Tenure Occupied Units Owner Occupied Population50949
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied6431
Housing Tenure Occupied Units Renter Occupied Population14960
Housing Tenure Occupied Units Renter Occupied Average Household Size2