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Virginia Home Insurance - What's Happening

New real-estate growth, history, and diverse topography make Virginia an alluring destination for prospective homeowners. Residents of the state have an array of factors to consider when they buy homeowners' insurance in Virginia.

Home insurance elements in your state are consistent with the rest of the nation. In the U.S., the average home is about 34 years old, and around 2,000 square feet. Homes are slightly newer and bigger in Virginia. Homeowners insurance costs about $70 less in your state than the national average, too.

Let's get started. Call us from anywhere in Virginia for a free home insurance quote. Can't get to the phones? Enter your ZIP code and let licensed HomeInsurance.com agents get you a free quote.

Curious about car insurance? Click here to learn more about auto insurance in Virginia.


Virginia Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


B

Home Grade

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B

Property Grade

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C

Bonus Grade

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C

Overall Grade

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Home (Grades related to the house itself)

Homes are relatively new in Virginia. Homeowners’ insurance carriers usually like this. But in your state, homes are also bigger than the national average, which can be a negative. Replacement cost in Virginia is also higher than the norm.

A

Average year built

The age of Virginia homes means they're more likely to be structurally sound. Houses built in the 1980s and later tend to be made with fire-resistant material such as brick, concrete, and stone.

C

Average home size

At just more than 2,000 square feet, Virginia homes are a little bigger that the national average.

C

Average replacement cost

In Virginia, it costs an average of $312,851 to replace a home destroyed by peril. The U.S. average is about $34,000 lower.

A

% of homes with sump pump

A sump pump can help safeguard against basement flooding, and 23% of Virginia homes have them. The national average is 15%.

Property (Factors related to the property and location)

Typical homeowners' insurance includes Other Structures Coverage. It can help with costs to replace structures such as sheds, fences and detached garages on your property if they're damaged or destroyed by a covered peril.

The cost to replace these 'other structures' is $10,000 lower than the national average in Virginia. Home insurance carriers look favorably on that reduced risk. Virginia is just above average for percentage of swimming pools and ATVs or snowmobiles stored on the property. Any of these will increase your risk for a home insurance provider.

Bonus (Other factors that influence your home insurance premiums)

C

% of homes with fire extinguishers

Fire extinguishers often are the first line of defense against house fires. Virginia rates just below the U.S. average of 91.4%.

C

% of homes with dead bolt locks on exterior doors

Virginia also trails the national average just slightly in this important security measure.

B

% of homes with smoke detectors

Their implementation can make the difference between life and death in a house fire, and 93% of Virginia homes have them.

B

% of homes with security alarms

Burglars tend to avoid homes with security systems. Insurance carriers often offer discounts for houses equipped with them, too.

Overall Grade - C (do your homework)

While Virginia home insurance quotes stack up favorably against the national average, homeowners in the state are missing some opportunities to push them even lower. Home sizes are big, which means houses cost more to replace if something goes wrong. And Virginians could pay more attention to safety measures, too. Some factors that increase home insurance premiums in the Old Dominion are out of homeowners' control, however, such as building costs.

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