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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.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2022$1332 (10.5%)$ 11131
2021$1199 (8%)$ 10032
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
2015$946 (0%)$ 7935
2014$946 (3.84%)$ 7932
2013$911 (8.07%)$ 7632

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.

Virginia Homeowners Insurance News & Information

  • California Homeowners Insurance Quotes: Compare Coverage, Save More & Find Affordable Rates Posted on Thursday 11th June, 2026

    Finding affordable California homeowners insurance has become more challenging than ever. Rising rebuild costs, wildfire exposure, changing underwriting guidelines, and carrier availability have caused many homeowners across California to shop their home insurance coverage more frequently to protect both their property and their budget. If you are comparing California home insurance quotes, now is one […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Tuesday 19th May, 2026

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026

    California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]

  • Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026

    If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]

  • Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

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