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Bedford County, VA Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Bedford County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Bedford County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Virginia. It's important for you to know the coverage options available for your home within Bedford County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

For Bedford County, VA homeowners, it's important to know that the average home insurance policy in Virginia is estimated to be around $92.25 per month. That amounts to $1107 per year for a standard (HO-3) homeowners insurance policy for residents living in Bedford County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Virginia is now ranked 33 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Bedford County, VA along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Bedford County home insurance coverage to make sure you are covered when you need it the most.

For all Bedford County, VA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Bedford County? Simply enter your zip code to get your Virginia homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Bedford County, VA Housing Demographics

With 68,676 residents living within the Bedford County area there are over 31,937 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 20,318 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Bedford County.

DemographicValues
Total Occupied Households27,465
Family Households (families)20,318
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units31,937

Bedford County, VA Home Insurance Average Premiums

Local Bedford, VA homeowners insurance quotes comparison

$841 /yr.

Virginia's Average Home Insurance Rates Overall

For the state of Virginia, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 33 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$604 /yr.
Current Average Cost:$841 /yr.
Maximum Range:$1107 /yr.

Virginia Homeowners Insurance News & Information

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

Discounts For Homeowners in Bedford County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Virginia homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Bedford County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Bedford County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Bedford County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Bedford County Housing & Real Estate Data

Details:Statistics
Total Housing Units31937
Occupied Housing Units27465
Vacant Housing Units4472
Vacant Housing Units for Rent456
Vacant Housing Units Rented Not Occupied36
Vacant Housing Units For Sale576
Vacant Housing Units Sold Not Occupied121
Vacant Housing Units For Seasonal Occasional Use1824
Vacant Housing Units All Other Vacants1459
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units27465
Housing Tenure Occupied Units Owner Occupied23231
Housing Tenure Occupied Units Owner Occupied Population58276
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied4234
Housing Tenure Occupied Units Renter Occupied Population10113
Housing Tenure Occupied Units Renter Occupied Average Household Size2