Your search for Virginia home insurance just became simpler. Don't waste your time talking to numerous agents or shopping several websites to get competitive quotes. HomeInsurance.com can do it for you. Our agents work with multiple highly rated, financially strong carriers to find you quotes; you get great protection and great prices. Take this opportunity to make things a little simpler for yourself, and let us find Virginia home insurance quotes for you.
Virginia home insurance protection
Virginia can be divided into many microclimates within its three main zones of the Shenandoah Valley, mountainous Southwest, and Coastal plains. Accordingly, the state's residents must prepare for various weather conditions.
For example, residents of Virginia Beach and other coastal cities should protect against hurricane conditions, including wind, thunderstorm, and flood damage. A typical Virginia homeowners insurance policy, however, covers neither flood damage nor earthquake damage, which the state occasionally suffers as well.
Other weather events that Virginians experience include thunderstorms (35-45 days a year), tornadoes (about seven annually), and severe winter storms. The best way to protect your home and family is to understand your coverage. Check out the Virginia Department of Insurance for more information about the weather disasters that residents should expect.
Home insurance rates in Virginia
Average Virginia home insurance rates in February were approximately $737.00 which have increased since January when rates were around $727. 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
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Even when average rates decrease, be aware of other savings for which you might qualify. Enter your ZIP code above or call (phone number) so that the agents with HomeInsurance.com can begin calculating your disounts and other price breaks. Some common discounts you could get include:
- Home and auto bundle: If you purchase both your home and auto insurance through the same carrier, you could qualify for bundling discounts.
- Fire: Smoke detectors and sprinklers could save you money on your Virginia homeowners insurance. You also might earn price breaks if you have a family of nonsmokers.
- Security: Security systems and deadbolt locks can safeguard your home and your wallet by preventing burglaries – there is one every 13 seconds, according to the FBI. That's why taking preventive measures could earn you discounts on your home insurance premiums.
- Claims history: If you haven't filed a home insurance claim in the past 10 years, you could qualify for discounts.
- New home: New homes typically involve fewer claims and therefore can earn you lower monthly premiums.
How do rates in your county stack up to the rest of the state? You can compare your county's average premiums to the average Virginia premiums by clicking below.
Virginia home insurance policy prices
Better understanding of what fellow Virginians pay for their home insurance is made easy with HomeInsurance.com. It could help you get better coverage and deals in the future. Below you'll find information about the last five Virginia policies written by HomeInsurance.com agents.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$735†||$306†||$483†||$671†||$558†|
|Foundation type||Crawl Space||Basement||Basement||Basement|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Electric||Central Electric||Central Electric|
How does the average premium in Virginia compare to the average U.S. premium? On average, U.S. citizens paid $815 and Virginians paid $737 on average for home insurance. Remember that providers determine premiums based on a number of factors, such as house type, location, and individual homeowner situation.
Standard Virginia homeowners insurance coverage
A standard Virginia home insurance policy contains the following coverage types:
- Dwelling: This coverage helps pay for damage to the structure of your home. It also determines your policy limits for other types such as personal property protection.
- Other Structures: Any structures separate from your house such as detached garages or toolsheds can be protected by this portion of your Virginia home insurance policy.
- Loss of Use: If a storm damages your home so badly that you are forced to move out while it undergoes repair, Loss of Use can help pay for hotel and restaurant bills to get you back on your feet.
- Personal Property: If the contents of your house are stolen or damaged in a covered event, this protection can help pay to replace or repair them.
- Personal Liability: This type of coverage helps to protect you from a lawsuit resulting from an injury sustained on your property.
- Medical Payments: Medical Payments or Virginia MedPay can help pay the medical bills for an injury sustained on your property that does not involve a lawsuit.
Additional resources for homeowners
If you're not sure what your Virginia home insurance policy does and doesn't cover, visit our home insurance 101 page for more information.
Study our disaster preparedness guide to find out how you can prepare for the disasters specific to your area.
Use the HomeInsurance.com home insurance calculator to determine the amount of dwelling coverage you'll need and discover average dwelling costs in your state.
Virginia home insurance quotes by city
For more information about Virginia home insurance coverage, discounts, and protection, find your city below.