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Virginia Homeowners Insurance Quotes
Homeowners in the state of Virginia usually pay a very low homeowners insurance premium on average compared to other states, it's state rank for the past decade has been 33.62. Although, Virginia homes cost less to insure the state is still prone to major floods, thunderstorms, lightning and most of all hurricanes. If you still have a mortgage on your home then the minimum requirement by your lender for home insurance coverage may not be very beneficial. That's why it's important to shop multiple carriers online so our Virginia agents can provide the best coverage for the most affordable price.
Remember, your standard homeowners insurance policy does not cover your home in case of a flood, so it's best to consult with your agent about the location of your home and the need for additional wind or flood insurance coverage. Unlike Virginia, it's neighboring states like North Carolina usually take the hit during hurricane season as a protective barrier to wind and rain as most wind storms are reduced in size before they hit the Virgina Beach coastline.
For Virginia homeowners insurance quotes, you can start shopping online today, all you need to do is enter your zip code to get started.
About Our Service
Our experience for providing superior home insurance services dates back to 1974. You can trust that our Virginia licensed agents are ready to review your home details and provide the best quote possible for the coverage options that may be available to you. Our current carriers for residents living in the "Old Dominion" state are top rated companies like Travelers, Safeco Insurance, Progressive, Bankers Financial & Insurance and Liberty Mutual. Take advantage of our multiple quoting options today and enjoy our consultation process. Let's work together and get the coverage your home and family needs.
Average Homeowners Insurance Premiums in Virginia
With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Virginia homeowners are paying on average. Did you know that the average homeowners insurance premium in Virginia is $1332? Virginia is now ranked 31 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Virginia is 1.60% more than the national average.
| Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
|---|---|---|---|
| 2022 | $1332 (10.5%) | $ 111 | 31 |
| 2021 | $1199 (8%) | $ 100 | 32 |
| 2020 | $1107 (2.5%) | $ 92 | 33 |
| 2019 | $1080 (5.3%) | $ 90 | 32 |
| 2018 | $1026 (2.67%) | $ 86 | 34 |
| 2017 | $999 (3.36%) | $ 83 | 34 |
| 2016 | $966 (2.09%) | $ 81 | 35 |
| 2015 | $946 (0%) | $ 79 | 35 |
| 2014 | $946 (3.84%) | $ 79 | 32 |
| 2013 | $911 (8.07%) | $ 76 | 32 |
When we combine the state averages over the last decade, the Virginia overall average is estimated to be around $1,122.00. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Virginia current state rank compare to the rest of the country is #31. Consider shopping your Virginia home insurance with us so we can help you save up to 40% or more on your policy.
Find Local VA Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Accomack
- Albemarle
- Alexandria City
- Alleghany
- Amelia
- Amherst
- Appomattox
- Arlington
- Augusta
- Bath
- Bedford
- Bland
- Botetourt
- Bristol City
- Brunswick
- Buchanan
- Buckingham
- Buena Vista City
- Campbell
- Caroline
- Carroll
- Charles City
- Charlotte
- Charlottesville City
- Chesapeake City
- Chesterfield
- Clarke
- Colonial Heights City
- Covington City
- Craig
- Culpeper
- Cumberland
- Danville City
- Dickenson
- Dinwiddie
- Emporia City
- Essex
- Fairfax
- Fairfax City
- Falls Church City
- Fauquier
- Floyd
- Fluvanna
- Franklin
- Franklin City
- Frederick
- Fredericksburg City
- Galax City
- Giles
- Gloucester
- Goochland
- Grayson
- Greene
- Greensville
- Halifax
- Hampton City
- Hanover
- Harrisonburg City
- Henrico
- Henry
- Highland
- Hopewell City
- Isle Of Wight
- James City
- King And Queen
- King George
- King William
- Lancaster
- Lee
- Lexington City
- Loudoun
- Louisa
- Lunenburg
- Lynchburg City
- Madison
- Manassas City
- Manassas Park City
- Martinsville City
- Mathews
- Mecklenburg
- Middlesex
- Montgomery
- Nelson
- New Kent
- Newport News City
- Norfolk City
- Northampton
- Northumberland
- Norton City
- Nottoway
- Orange
- Page
- Patrick
- Petersburg City
- Pittsylvania
- Poquoson City
- Portsmouth City
- Powhatan
- Prince Edward
- Prince George
- Prince William
- Pulaski
- Radford
- Rappahannock
- Richmond
- Richmond City
- Roanoke
- Roanoke City
- Rockbridge
- Rockingham
- Russell
- Salem
- Scott
- Shenandoah
- Smyth
- Southampton
- Spotsylvania
- Stafford
- Staunton City
- Suffolk City
- Surry
- Sussex
- Tazewell
- Virginia Beach City
- Warren
- Washington
- Waynesboro City
- Westmoreland
- Williamsburg City
- Winchester City
- Wise
- Wythe
- York
Virginia Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]
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Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025
According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs. Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders. Florida Peninsula has filed […]
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
Virginia Housing & Real Estate Data
| Details: | Staticstics |
|---|---|
| Total Housing Units | 3364939 |
| Occupied Housing Units | 3056058 |
| Vacant Housing Units | 308881 |
| Vacant Housing Units for Rent | 82493 |
| Vacant Housing Units Rented Not Occupied | 5408 |
| Vacant Housing Units For Sale | 44881 |
| Vacant Housing Units Sold Not Occupied | 9570 |
| Vacant Housing Units For Seasonal Occasional Use | 80468 |
| Vacant Housing Units All Other Vacants | 86061 |
| Housing Units Homeowner Vacancy Rate Percent | 2.1 |
| Housing Units Rental Vacancy Rate Percent | 7.6 |
| Housing Tenure Occupied Units | 3056058 |
| Housing Tenure Occupied Units Owner Occupied | 2055186 |
| Housing Tenure Occupied Units Owner Occupied Population | 5345619 |
| Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.6 |
| Housing Tenure Occupied Units Renter Occupied | 1000872 |
| Housing Tenure Occupied Units Renter Occupied Population | 2415571 |
| Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.41 |
Understanding Virginia Homeowners Insurance
When shopping for Virginia homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:
- HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
- H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
- HO-4: If you are looking for Virginia renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.
While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.
If you are shopping for a new home in Virginia, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Virginia rates and coverage options.