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Northumberland County, VA Homeowners Insurance Quotes

Are you looking for a quick comparison of Northumberland County, VA homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Northumberland County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Coastal Northumberland County, VA Home Insurance

Northumberland County is located near the coast as you know, so it is important to understand that flood protection is crucial for homes in your area that are prone to hurricanes and tropical wind storms. We recommend you speak with us if you have questions about your coastal homeowners insurance coverage. Flood insurance is not part of your basic homeowners (HO-3) policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Northumberland County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Affordable Northumberland County Rates

Homeowners living in Northumberland County, pay on average around $1107 per year or $92.25 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Northumberland County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-855-976-2656

For all Northumberland 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 Northumberland 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.

Northumberland County, VA Housing Demographics

With 12,330 residents living within the Northumberland County area there are over 8,995 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 3,756 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 Northumberland County.

DemographicValues
Total Occupied Households5,540
Family Households (families)3,756
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units8,995

Northumberland County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Northumberland County (FIPS: 51133), 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 Northumberland County, VA, it's important that you look into hurricane and windstorm insurance options.

Northumberland County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Virginia.

Helpful Articles:

Northumberland County, VA Home Insurance Average Premiums

Local Northumberland, 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.

Northumberland County, VA Coastal Wind, Hail & Flood Information

Northumberland 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.

Flood Zone Notice: The beautiful coastal county of Northumberland is know for it's beautiful beaches and waterways. Because Northumberland County (FIPS: 51133) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Northumberland County.

Virginia Homeowners Insurance News & Information

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • 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, […]

Discounts For Homeowners in Northumberland 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 Northumberland 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 Northumberland 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 Northumberland 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.

Northumberland County Housing & Real Estate Data

Details:Statistics
Total Housing Units8995
Occupied Housing Units5540
Vacant Housing Units3455
Vacant Housing Units for Rent77
Vacant Housing Units Rented Not Occupied16
Vacant Housing Units For Sale200
Vacant Housing Units Sold Not Occupied44
Vacant Housing Units For Seasonal Occasional Use2608
Vacant Housing Units All Other Vacants510
Housing Units Homeowner Vacancy Rate Percent4
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units5540
Housing Tenure Occupied Units Owner Occupied4613
Housing Tenure Occupied Units Owner Occupied Population10075
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied927
Housing Tenure Occupied Units Renter Occupied Population2255
Housing Tenure Occupied Units Renter Occupied Average Household Size2