Finding competitive, low cost home owner insurance quotes in Virginia does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Virginia home insurance coverage. Rest assured knowing our team of Virginia licensed insurance consultants are standing by to give you top notch advice on homeowners insurance coverages and rates in your area.
The average Virginia home owner insurance rate in September 2009 was $553.00. It appears that rates have increased since August 2009 when average rates in Virginia were around $547.00.
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 home insurance policy with your local Virginia insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Virginia home owner insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard Virginia Home Insurance Coverages
| 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:
- Home Insurance Quiz- How much do you know about your Virginia home insurance policy? Quiz yourself!
- home insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Virginia
- Virginia Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Virginia county:
- York
- Wythe
- Wise
- Winchester City
- Williamsburg City
- Westmoreland
- Waynesboro City
- Washington
- Warren
- Virginia Beach City
- Tazewell
- Sussex
- Surry
- Suffolk City
- Staunton City
- Stafford
- Spotsylvania
- Southampton
- Smyth
- Shenandoah
- Scott
- Salem
- Russell
- Rockingham
- Rockbridge
- Roanoke City
- Roanoke
- Richmond City
- Richmond
- Rappahannock
- Radford
- Pulaski
- Prince William
- Prince George
- Prince Edward
- Powhatan
- Portsmouth City
- Poquoson City
- Pittsylvania
- Petersburg City
- Patrick
- Page
- Orange
- Nottoway
- Norton City
- Northumberland
- Northampton
- Norfolk City
- Newport News City
- New Kent
- Nelson
- Montgomery
- Middlesex
- Mecklenburg
- Mathews
- Martinsville City
- Manassas Park City
- Manassas City
- Madison
- Lynchburg City
- Lunenburg
- Louisa
- Loudoun
- Lexington City
- Lee
- Lancaster
- King William
- King George
- King And Queen
- James City
- Isle Of Wight
- Hopewell City
- Highland
- Henry
- Henrico
- Harrisonburg City
- Hanover
- Hampton City
- Halifax
- Greensville
- Greene
- Grayson
- Goochland
- Gloucester
- Giles
- Galax City
- Fredericksburg City
- Frederick
- Franklin City
- Franklin
- Fluvanna
- Floyd
- Fauquier
- Falls Church City
- Fairfax City
- Fairfax
- Essex
- Dinwiddie
- Dickenson
- Danville City
- Cumberland
- Culpeper
- Craig
- Covington City
- Colonial Heights City
- Clarke
- Chesterfield
- Chesapeake City
- Charlottesville City
- Charlotte
- Charles City
- Carroll
- Caroline
- Campbell
- Buena Vista City
- Buckingham
- Buchanan
- Brunswick
- Bristol
- Botetourt
- Bland
- Bedford
- Bath
- Augusta
- Arlington
- Appomattox
- Amherst
- Amelia
- Alleghany
- Alexandria City
- Albemarle
- Accomack
For additional information about specific insurance laws in Virginia, visit the Virginia State Corporation Commission, Bureau of Insurance website.
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