Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Fairfax County, VA agent.

Fairfax County, VA Homeowners Insurance Quotes

Comparison shopping for homeowners insurance in Fairfax County, VA just got easier with our quick online quoting application. If you simply enter in the basic details of your home, we can shop and compare up to 12 competitive home insurance rate quotes for you. The process is that easy, and we can help you apply any additional home insurance discounts and credits to help you save more on your premium. We also can provide multi-line services to help enhance the coverage and reduce the monthly expenses on your auto insurance. If you combine your home and auto together we can help you apply for additional savings. But first, we will help you review which home insurance policy is best for you for your home in Fairfax County.

Average Home Insurance Rates in Fairfax County, VA

Fairfax County, VA homeowners are currently paying around $92.25 per month for a standard HO-3 homeowners insurance policy. In Virginia, your premium could be in the average range of $1107 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage company. This is why a large volume of homeowners are now shopping online in Fairfax County, VA to help them discover cheaper rates with better coverage protection. A standard homeowners policy will help protect you against windstorms, lightning strikes and fire damage. Our process helps you review additional coverage due to risks like flooding, wind and hail, hurricanes and even earthquakes. Use our shopping service and get a new homeowners insurance policy today with the additional savings, just enter your zip code to get started.

For all Fairfax 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 Fairfax 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.

Fairfax County, VA Housing Demographics

With 1,081,726 residents living within the Fairfax County area there are over 407,998 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 276,277 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 Fairfax County.

DemographicValues
Total Occupied Households391,627
Family Households (families)276,277
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units407,998

Fairfax County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Fairfax city (FIPS: 51600), 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 Fairfax County, VA, it's important that you look into hurricane and windstorm insurance options.

Fairfax County, VA Home Insurance Average Premiums

Local Fairfax, 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.

Fairfax County, VA Coastal Wind, Hail & Flood Information

Fairfax 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.

Virginia Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

Discounts For Homeowners in Fairfax 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 Fairfax 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 Fairfax 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 Fairfax 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.

Fairfax County Housing & Real Estate Data

Details:Statistics
Total Housing Units407998
Occupied Housing Units391627
Vacant Housing Units16371
Vacant Housing Units for Rent6497
Vacant Housing Units Rented Not Occupied503
Vacant Housing Units For Sale3091
Vacant Housing Units Sold Not Occupied852
Vacant Housing Units For Seasonal Occasional Use2062
Vacant Housing Units All Other Vacants3366
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent5
Housing Tenure Occupied Units391627
Housing Tenure Occupied Units Owner Occupied272233
Housing Tenure Occupied Units Owner Occupied Population752923
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied119394
Housing Tenure Occupied Units Renter Occupied Population319513
Housing Tenure Occupied Units Renter Occupied Average Household Size3