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Poquoson City County, VA Homeowners Insurance Quotes

Discovering afforable homeowners insurance rates in Poquoson City County can seem impossible with so many options available online as well as local captive agents down the road. But getting the right coverage means speaking with a home insurance professional that can help you review enhanced coverage options at affordable prices. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance carriers available in your area. It's important for you to know the coverage details available for your home in Poquoson City County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current and new homeowners policy. We also provide ways to help you apply additional discounts to lower your premium while getting upgraded coverage for that extra protection and financial support when you need insurance the most. Start your online homeowners insurance quote today!

For homeowners of Poquoson City County, VA, it's important to know that the average home insurance policy in Virginia is estimated to be around $92.25 per month. That amounts to $1107 per year for a basic homeowners insurance policy for residents living in Poquoson City County. When comparing other rates, the United States national average for homeowners insurance premiums is around 1,249 per year. Did you know that Virginia is now ranked 33 in the country in terms of highest home insurance cost. So getting up to 12 free home insurance quotes for your home in Poquoson City County, VA helps you easily review and compare prices and coverages so we can help you make the best decision on which insurance provider is best for you.

For all Poquoson 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 Poquoson 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.

Poquoson City County, VA Housing Demographics

With 12,150 residents living within the Poquoson City County area there are over 4,726 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 3,582 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 Poquoson City County.

DemographicValues
Total Occupied Households4,525
Family Households (families)3,582
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units4,726

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

For all homeowners living in Poquoson city (FIPS: 51735), 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 Poquoson City County, VA, it's important that you look into hurricane and windstorm insurance options.

Poquoson 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:

Poquoson City County, VA Home Insurance Average Premiums

Local Poquoson 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.

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

Poquoson 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 Poquoson City is know for it's beautiful beaches and waterways. Because Poquoson city (FIPS: 51735) 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 Poquoson 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 Poquoson 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 Poquoson 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 Poquoson 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 Poquoson 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.

Poquoson City County Housing & Real Estate Data

Details:Statistics
Total Housing Units4726
Occupied Housing Units4525
Vacant Housing Units201
Vacant Housing Units for Rent43
Vacant Housing Units Rented Not Occupied6
Vacant Housing Units For Sale57
Vacant Housing Units Sold Not Occupied2
Vacant Housing Units For Seasonal Occasional Use22
Vacant Housing Units All Other Vacants71
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent5
Housing Tenure Occupied Units4525
Housing Tenure Occupied Units Owner Occupied3751
Housing Tenure Occupied Units Owner Occupied Population10072
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied774
Housing Tenure Occupied Units Renter Occupied Population2027
Housing Tenure Occupied Units Renter Occupied Average Household Size3