Virginia Home Insurance Quotes
Virginia home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six 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, and let us take care of the rest.
Our team of licensed agents will shop for your Virginia home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple VA insurance providers.
Get the Best Home Insurance Rates in VA
Average Virginia home insurance rates in April were approximately $717.00 which have increased since March when rates were around $707. 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
|Apr 2013||Mar 2013||Feb 2013||Jan 2013||Dec 2012|
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.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Virginia home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your VA policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Virginia are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Virginia by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$587†||$903||$533||$796†||$619|
|Foundation type||Crawl Space||Basement||Basement||Basement||Slab|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Gas||Central Electric||Central Electric||Central Gas|
Standard Virginia Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Virginia home insurance policy
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.
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.
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.
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.
Virginia Homeowners Insurance News
West Virginia insurance disclosure bill advancesWednesday, February 29, 2012
Virginia denied assistance by FEMA for August quakeFriday, October 14, 2011
Ahead of hurricane season, Virginians get reprieve from sales tax Friday, May 27, 2011
More tornadoes hit Midwest, South Thursday, April 21, 2011
Virginia nuclear plant being monitored after tornado Tuesday, April 19, 2011
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:
- Bristol City
- Buena Vista City
- Charles City
- Chesapeake City
- Colonial Heights City
- Covington City
- Danville City
- Franklin City
- Fredericksburg City
- Galax City
- Hampton City
- Harrisonburg City
- Hopewell City
- Isle of Wight
- James City
- King and Queen
- King George
- King William
- Lexington City
- Lynchburg City
- Manassas City
- Martinsville City
- New Kent
- Newport News City
- Norfolk City
- Norton City
- Poquoson City
- Portsmouth City
- Prince Edward
- Prince George
- Prince William
- Radford City
- Richmond City
- Roanoke City
- Salem City
- Staunton City
- Suffolk City
- Virginia Beach City
- Waynesboro City
- Winchester City
Customer Reviews in Virginia
For additional information about specific insurance laws in Virginia, visit the Virginia State Corporation Commission, Bureau of Insurance website.