Middleburg, VA Homeowners Insurance Rate Quotes!
Middleburg, VA homeowners are looking online to find new ways to compare home insurance rates and explore the best coverage options. At GetHomeInsuranceQuotes.com, we enjoy providing excellent customer service to homeowners that are in need of great coverage for their home in Middleburg. We understand that you don't have a lot of time to review every home insurance carrier available in Virginia that can provide an affordable rate. That's our job!
Shop rates now as low as $633 per year!
Our online service works with you and helps you compare multiple coverage options and it only takes a few minutes for you to complete our easy to use online home insurance quoting application. Since 2009, our focus has been to put the needs and the customers of Middleburg first. We have been able to service thousands of homeowners in the great state of Virginia. We can generate up to 12 quotes and our consulting service is free so you can use our knowledge and expertise to pick the best rate and coverage package for you. Sometimes the cheapest VA home insurance rate is not the best protection for your home and family. And our Virginia licensed home insurance professionals are here to help you find the protection you need at a competitive price.
For quick home insurance quotes in Middleburg, VA, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance comparison today or give us a call now at 855-976-2656!
Middleburg, VA Home Insurance Resources
Below are some additional resources to help you understand your homeowners insurance coverage for your home located in Middleburg, VA.
- What is the average Middleburg, VA home insurance premium? $883.00 per year
- What does home insurance cost in Middleburg on avereage per month? $74.00 / mo.
- What does homeowners insurance cost in Middleburg for a $300,000 house? $633.00 per year (with discounts applied)
- What's the national average in the United States for homeowners insurance? $1,311.00 per year
The average home insurance rate for Middleburg displayed above is an accumlative average based on a standard homeowners insurance policy. We can help you compare up to 12 competitive rates and review all the discounts and credits that may apply to help you save up to 40% or more.
Compare Homeowners Insurance Rates in Middleburg, VA!
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Middleburg, 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 Middleburg, 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 Middleburg home. Let us help you shop the best rates and coverages today!
Review the Best Virginia Home Insurance Rates Today!
Average Rates Nearby Middleburg
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Home Insurance Rates by Zipcode in Middleburg, VA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Middleburg.
Middleburg, VA Home Insurance Average Premiums
$633 /yr.
For the city of Middleburg, 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) | $633 /yr. |
| Average Coverage: | $883 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1183 /yr. |
What is the average home insurance cost for a home in Middleburg, VA?
- • The average homeowners insurance premium paid annually for a home in Middleburg is around $883 per year.
What does it cost on average per month for home insurance in Middleburg, VA?
- • Homeowners in Middleburg pay an average cost per month around $74.00 for insurance coverage.
Middleburg, VA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $970,781 | $905,533 |
| February | $967,948 | $926,834 |
| March | $970,519 | $953,444 |
| April | $977,153 | $980,449 |
Homeowners insurance will help cover the cost to repair or replace your Middleburg 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 Middleburg
- 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 Middleburg, VA homeowners insurance rates all in one place! |
Saving Money Tips on Middleburg Home Insurance
A great way to save money on Middleburg 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 Middleburg 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 |
|---|---|---|
| 522 ft. | This is the average home elevation in Middleburg, 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 Middleburg, 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 Loudoun County.
Virginia Homeowners Insurance News & Information
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$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 […]
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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 […]
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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 […]
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
Middleburg, VA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Middleburg 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 Middleburg, VA?
- The average square footage in Middleburg is around 1,961 Sq. Ft. which would cost you around $319,700 to replace the home if you base the home on the price to build per square foot of $163.
Minimum Replacement Cost Total: $319,700
Location: Middleburg, Virginia (Loudoun County)
Average Building Cost Per Square Foot in Middleburg: $163 (low end)
Average Square Footage in Middleburg: 1,961 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $163 | $319,700 |
| Some Additional Upgrades | $204 | $399,625 |
| Major Home Updates or Advancements | $245 | $479,550 |
The dwelling coverage is calculated by the average cost per square foot ($163) in Middleburg, 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.