Virginia Home Insurance Quotes

Average home insurance rates, coverage and discounts information in Virginia.

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Virginia home insurance today.

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At HomeInsurance.com you can compare up to four home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Virginia home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.

Average Virginia home insurance rates in September were approximately $570.00 which have increased since August when rates were around $569. Average rates in the area reflect premiums on new policies sold by HomeInsurance.com in Virginia. For a full list of premiums by state visit our RateReport.

Average Premiums for Home Insurance In Virginia
Sep 2011Aug 2011Jul 2011Jun 2011May 2011
$570.00$569.00$570.00$577.00$580.00

Since rates have increased in recent months, it's important to continue to save money and find great coverage on your Virginia homeowners insurance. Be sure to review your policy with a HomeInsurance.com agent regularly to ensure that you are qualifying for all available discounts. Also, check your policy to be sure you are still getting the coverage you need for your home and family.

Standard Virginia Home Insurance Coverages

Coverage
A

Dwelling: A standard Virginia homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril

B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Virginia home insurance policy

C

Contents/Personal Property: A Virginia home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.

D

Loss of Use: If your Virginia home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.

E

Personal Liability Protection: In Virginia, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.

F

Medical Payments: Medical Payments coverage, or Virginia MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.

Other Virginia Homeowners Resources:

  • Visit our RateReport to see how Virginia home insurance rates measure up against other parts of the country.
  • Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
  • Are you qualifying for all available discounts in Virginia? Check out our list of available home insurance discounts.

Search for home insurance in your Virginia county:

Customer Reviews in Virginia

The top 7 customer reviews on HomeInsurance.com service and savings in Virginia.
5 Star Rating
Savings: $800/year
Customer: Fatoumata R.
Date: Jan 13, 2012
Thank you for your help and saving me a ton of money.
Dumfries, VA
5 Star Rating
Savings: $560/year
Customer: Ania F.
Date: Jan 13, 2012
To think I've been paying so much more for 23 years boggles my mind. Thanks guys, I am now a happy camper!
Rixeyville, VA
4 Star Rating
Savings: $1400/year
Customer: Louis H.
Date: Oct 26, 2010
You guys are great, you were quick to call me and answered all my questions and contacted me when you said you were going to. Thank you for everything you have done.
Quinton, VA
4 Star Rating
Savings: $460/year
Customer: Kevin P.
Date: Sep 10, 2010
My agent was so helpful and provided me with everything I needed to start saving today!
Covington, VA
4 Star Rating
Savings: $273/year
Customer: Kathi S.
Date: Aug 27, 2010
My agent was incredibly helpful- something I needed after a less than positive experience with another company. Thanks!
Richmond, VA
4 Star Rating
Savings: $808/year
Customer: Scheherazade N.
Date: Dec 23, 2009
Very pleased with agent, service and savings on our house alone! Agent also found us great savings on auto insurance.
Bedford, VA
4 Star Rating
Savings: $100/year
Customer: Brandon M.
Date: Sep 03, 2009
The personalized call was great, they answered any questions I had and did all the work for me.
Warrenton , VA

For additional information about specific insurance laws in Virginia, visit the Virginia State Corporation Commission, Bureau of Insurance website.

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