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Mecklenburg County, VA Homeowners Insurance Quotes

We can help you shop and compare the best home insurance rates for your home in Mecklenburg County, VA. Our easy to use quoting application helps you review which carriers are most competitive in your area and which coverage option is best for your home, family and financial goals. Let us help you discover more affordable rates in Mecklenburg County.

When reviewing Virginia home insurance policies, Mecklenburg County residents are finding great ways to save time and money by finding more affordable rates when they shop online. Virginia may not be considered the cheapest state in the country to purchase home insurance, but it does rank lower than average at a national rank of 33. Homeowners within Mecklenburg County are paying around $1107 for an annual home insurance policy, where the majority of the U.S. population pays around $1,249. The average home insurance rates we just mentioned reflect the cost of a standard (HO-3) homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop and compare competitive rate quotes today! Start a Mecklenburg County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Mecklenburg 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 Mecklenburg 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.

Mecklenburg County, VA Housing Demographics

With 32,727 residents living within the Mecklenburg County area there are over 18,591 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 8,846 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 Mecklenburg County.

DemographicValues
Total Occupied Households13,495
Family Households (families)8,846
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units18,591

Mecklenburg County, VA Home Insurance Average Premiums

Local Mecklenburg, 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.

Virginia Homeowners Insurance News & Information

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

Discounts For Homeowners in Mecklenburg 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 Mecklenburg 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 Mecklenburg 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 Mecklenburg 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.

Mecklenburg County Housing & Real Estate Data

Details:Statistics
Total Housing Units18591
Occupied Housing Units13495
Vacant Housing Units5096
Vacant Housing Units for Rent326
Vacant Housing Units Rented Not Occupied17
Vacant Housing Units For Sale315
Vacant Housing Units Sold Not Occupied45
Vacant Housing Units For Seasonal Occasional Use3338
Vacant Housing Units All Other Vacants1055
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units13495
Housing Tenure Occupied Units Owner Occupied9660
Housing Tenure Occupied Units Owner Occupied Population21959
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied3835
Housing Tenure Occupied Units Renter Occupied Population9028
Housing Tenure Occupied Units Renter Occupied Average Household Size2