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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 $1107? Virginia is now ranked 33 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 15.56% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1107 (2.5%)$ 9233
2019$1080 (5.3%)$ 9032
2018$1026 (2.67%)$ 8634
2017$999 (3.36%)$ 8334
2016$966 (2.09%)$ 8135

When we combine the state averages over the last decade, the Virginia overall average is estimated to be around $953.27. 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 #33. Consider shopping your Virginia home insurance with us so we can help you save up to 40% or more on your policy.

Virginia Homeowners Insurance News & Information

  • 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 […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

Virginia Housing & Real Estate Data

Details:Staticstics
Total Housing Units3364939
Occupied Housing Units3056058
Vacant Housing Units308881
Vacant Housing Units for Rent82493
Vacant Housing Units Rented Not Occupied5408
Vacant Housing Units For Sale44881
Vacant Housing Units Sold Not Occupied9570
Vacant Housing Units For Seasonal Occasional Use80468
Vacant Housing Units All Other Vacants86061
Housing Units Homeowner Vacancy Rate Percent2.1
Housing Units Rental Vacancy Rate Percent7.6
Housing Tenure Occupied Units3056058
Housing Tenure Occupied Units Owner Occupied2055186
Housing Tenure Occupied Units Owner Occupied Population5345619
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.6
Housing Tenure Occupied Units Renter Occupied1000872
Housing Tenure Occupied Units Renter Occupied Population2415571
Housing Tenure Occupied Units Renter Occupied Average Household Size2.41

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.