Staunton, VA Home Insurance Quotes!

Staunton is a great town to live with only 23,746 people living within the city limits. While the popluation size may be consider small, Staunton packs a big punch with roughly 15,406 households per zip code making this area very competitive for home insurance companies. The average number of residents living within the occupied homes is around 3, but that number can vary depending on the housing construction and property type.

Staunton really shines when it comes to the average household income, our median income recently hit the $53,770 mark, which puts it pretty close to the national average. This amount of income goes a long way in the Staunton housing market since the median house price is $189,700.

Staunton, VA Home Facts & Demographics

Staunton has grown to be the home of 23,746 residents in total population with 10480 occupied homes in the city limits, the city seems to be grown with new homes being built throughout the city. The average family household in Staunton is 5982.

We Also Have Cheap Homeowners Insurance in Staunton

The residents of Staunton are very lucky when it comes to the cost of homeowners insurance. Recent data indicates that the average policy cost homeowners in Staunton, $1,107 per year. Did you know the national average is $1,311. At GetHomeInsuranceQuotes.com, we shop the best rates and coverage options, homeowners in Staunton pay a much cheaper rate as low as $623 per year. Average rates for homeowners living in a 1,850 square foot home or bigger usually pay around $873 for a standard HO-3 policy. Large homes with much higher heated square footage pay around $1173 per year. Enter your zip code to start shopping quotes with us or give us a call now at 855-976-2656!

What are the insurance coverage types for homes in Staunton?

The thing about Staunton homeowners insurance that many people don't know is that it comes in a variety of different types, each one designed for the type of housing unit it protects.

Here is the information you need to know about the different homeowner insurance types in Staunton, VA:

HO-3: The majority of homeowners policies that are in force in Staunton, and most other places, are HO-3 type policies. The policies cover damage from any peril that is not specifically excluded in the policy details. HO-3 policies only protect your personal property from specific perils that are listed in the policy. As with most homeowner policies, flooding and earthquake damage are excluded.

Be sure to read your policy in full and understand any other exclusions that apply to your coverage.

HO-6: These policies are written especially for condos and co-op buildings. They provide protection for all of your personal property as well as the parts of the building that are your property, such as the walls and mechanicals of your particular unit.

HO-8: If you love older homes, this type of policy is for you. It protects older, historical homes where the cost to rebuild or replace the home exceeds the value of the house.

The fact that these policies will have a payout that is lower than the cost to replace the house makes them affordable. These policies are usually written because the home is too old to qualify for a traditional HO-3 policy. The main disadvantage is the fact that these policies only cover damage from 11 specific perils.

HO-4: If you are renting an apartment, you still need protection for your personal property and liability protection in the event that someone is injured in your apartment.

A HO-4 policy offers the protection that you need when living in an apartment. If your personal property is damaged or destroyed, you will be covered and it will also cover the medical bills and any legal bills if someone is injured while visiting you.

Compare Homeowners Insurance Rates in Staunton, VA!

Staunton, 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 Staunton, 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 Staunton home. Let us help you shop the best rates and coverages today!

Review the Best Virginia Home Insurance Rates Today!

Average Rates Nearby Staunton

Are you looking for homeowners insurance in a city near Staunton? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Staunton, VA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Staunton.

24401,     

Homeowners insurance will help cover the cost to repair or replace your Staunton 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 Staunton
• 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.

Saving Money Tips on Staunton Home Insurance

A great way to save money on Staunton 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 Staunton area? Check out what homeowners are paying on average for Virginia homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Staunton, 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 Staunton City County.

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