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Louisa County, VA Homeowners Insurance Quotes

Discovering afforable homeowners insurance rates in Louisa County can seem impossible with so many options available online as well as local captive agents down the road. But getting the right coverage means speaking with a home insurance professional that can help you review enhanced coverage options at affordable prices. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance carriers available in your area. It's important for you to know the coverage details available for your home in Louisa County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current and new homeowners policy. We also provide ways to help you apply additional discounts to lower your premium while getting upgraded coverage for that extra protection and financial support when you need insurance the most. Start your online homeowners insurance quote today!

For homeowners of Louisa County, VA, it's important to know that the average home insurance policy in Virginia is estimated to be around $92.25 per month. That amounts to $1107 per year for a basic homeowners insurance policy for residents living in Louisa County. When comparing other rates, the United States national average for homeowners insurance premiums is around 1,249 per year. Did you know that Virginia is now ranked 33 in the country in terms of highest home insurance cost. So getting up to 12 free home insurance quotes for your home in Louisa County, VA helps you easily review and compare prices and coverages so we can help you make the best decision on which insurance provider is best for you.

For all Louisa 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 Louisa 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.

Louisa County, VA Housing Demographics

With 33,153 residents living within the Louisa County area there are over 16,319 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 9,369 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 Louisa County.

DemographicValues
Total Occupied Households12,944
Family Households (families)9,369
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units16,319

Louisa County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Louisa County (FIPS: 51109), 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 Louisa County, VA, it's important that you look into hurricane and windstorm insurance options.

Louisa County, VA Home Insurance Average Premiums

Local Louisa, 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.

Louisa County, VA Coastal Wind, Hail & Flood Information

Louisa 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 Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Discounts For Homeowners in Louisa 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 Louisa 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 Louisa 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 Louisa 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.

Louisa County Housing & Real Estate Data

Details:Statistics
Total Housing Units16319
Occupied Housing Units12944
Vacant Housing Units3375
Vacant Housing Units for Rent253
Vacant Housing Units Rented Not Occupied14
Vacant Housing Units For Sale335
Vacant Housing Units Sold Not Occupied38
Vacant Housing Units For Seasonal Occasional Use2063
Vacant Housing Units All Other Vacants672
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units12944
Housing Tenure Occupied Units Owner Occupied10564
Housing Tenure Occupied Units Owner Occupied Population26727
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied2380
Housing Tenure Occupied Units Renter Occupied Population6215
Housing Tenure Occupied Units Renter Occupied Average Household Size3