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Spotsylvania County, VA Homeowners Insurance Quotes
Getting the afforable homeowners coverage that you want in Spotsylvania County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of Virginia allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Spotsylvania County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!
Spotsylvania County, VA Prices Per Year
Virginia homeowners insurance premiums are on the increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Spotsylvania County is ranked lower in the nation with an average annual premium of $1107/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Spotsylvania County.
Coastal Spotsylvania County, VA Home Insurance Rates
For coastal properties, flood protection is crucial for areas like Spotsylvania County that are prone to hurricanes, flooding and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. A flood insurance policy is not part of your standard homeowners policy, but can easily be bundled to help give you the added protection you need by combining an HO-3 policy with wind and hail coverage plus flood insurance. We offer an easy way to review the best flood insurance rates for Spotsylvania County, please give us a call at at 1-855-976-2656. If you are only looking for flood insurance only then please contact our flood insurance agent at 1-888-620-1954 for completitive flood insurance rates in Spotsylvania County.
For all Spotsylvania 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 Spotsylvania 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.
Spotsylvania County, VA Housing Demographics
With 122,397 residents living within the Spotsylvania County area there are over 45,185 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 32,431 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 Spotsylvania County.
Demographic | Values |
---|---|
Total Occupied Households | 41,942 |
Family Households (families) | 32,431 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 45,185 |
Spotsylvania County, VA Coastal Wind, Hail & Flood Information
For all homeowners living in Spotsylvania County (FIPS: 51177), 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 Spotsylvania County, VA, it's important that you look into hurricane and windstorm insurance options.
Spotsylvania 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:
Spotsylvania County, VA Home Insurance Average Premiums
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 Rating | Annual Premium |
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Minimum Range: | $604 /yr. |
Current Average Cost: | $841 /yr. |
Maximum Range: | $1107 /yr. |
Spotsylvania County, VA Coastal Wind, Hail & Flood Information
Spotsylvania 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 Spotsylvania is know for it's beautiful beaches and waterways. Because Spotsylvania County (FIPS: 51177) 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 Spotsylvania County.
Virginia Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]
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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 […]
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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 Spotsylvania 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 Spotsylvania 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 Spotsylvania 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 Spotsylvania 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.
Spotsylvania County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 45185 |
Occupied Housing Units | 41942 |
Vacant Housing Units | 3243 |
Vacant Housing Units for Rent | 619 |
Vacant Housing Units Rented Not Occupied | 33 |
Vacant Housing Units For Sale | 671 |
Vacant Housing Units Sold Not Occupied | 113 |
Vacant Housing Units For Seasonal Occasional Use | 887 |
Vacant Housing Units All Other Vacants | 920 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 7 |
Housing Tenure Occupied Units | 41942 |
Housing Tenure Occupied Units Owner Occupied | 33258 |
Housing Tenure Occupied Units Owner Occupied Population | 97095 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 8684 |
Housing Tenure Occupied Units Renter Occupied Population | 24778 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 3 |