Compare up to 12 quotes for your home in Caroline County, VA! It's easy and only takes a minute!
Caroline County, VA Homeowners Insurance Quotes
Are you shopping for homeowners insurance for your Caroline County VA home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Virginia. Our agents specialize in the best rates for Caroline County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.
Caroline County Coastal Home Insurance
Because Caroline County is considered a coastal area, it is important to know that flood protection is crucial for homes in Caroline County that are prone to hurricanes and tropical storms. We recommend you speak with us if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your basic homeowners (HO-3) policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Caroline County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.
Average Rates in Caroline County
Did you know the average home insurance premium for the state of Virginia is $1107 a year. That's $92.25 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Caroline County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Caroline County VA. Simply give us a call now at 1-855-976-2656
For all Caroline 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 Caroline 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.
Caroline County, VA Housing Demographics
With 28,545 residents living within the Caroline County area there are over 11,729 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,587 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 Caroline County.
Demographic | Values |
---|---|
Total Occupied Households | 10,456 |
Family Households (families) | 7,587 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 11,729 |
Caroline County, VA Coastal Wind, Hail & Flood Information
For all homeowners living in Caroline County (FIPS: 51033), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Virginia is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Caroline County, VA, it's important that you look into hurricane and windstorm insurance options.
Caroline County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Virginia.
Helpful Articles:
Caroline County, VA Home Insurance Average Premiums
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 Rating | Annual Premium |
---|---|
Minimum Range: | $604 /yr. |
Current Average Cost: | $841 /yr. |
Maximum Range: | $1107 /yr. |
Caroline County, VA Coastal Wind, Hail & Flood Information
Caroline is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal county of Caroline is know for it's beautiful beaches and waterways. Because Caroline County (FIPS: 51033) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Caroline County.
Virginia Homeowners Insurance News & Information
-
Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
-
Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025
As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]
-
2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
-
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
-
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
Discounts For Homeowners in Caroline 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 Caroline 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 Caroline 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 Caroline 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.
Caroline County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 11729 |
Occupied Housing Units | 10456 |
Vacant Housing Units | 1273 |
Vacant Housing Units for Rent | 144 |
Vacant Housing Units Rented Not Occupied | 14 |
Vacant Housing Units For Sale | 212 |
Vacant Housing Units Sold Not Occupied | 57 |
Vacant Housing Units For Seasonal Occasional Use | 346 |
Vacant Housing Units All Other Vacants | 500 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 7 |
Housing Tenure Occupied Units | 10456 |
Housing Tenure Occupied Units Owner Occupied | 8503 |
Housing Tenure Occupied Units Owner Occupied Population | 22583 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 1953 |
Housing Tenure Occupied Units Renter Occupied Population | 5449 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 3 |