Seaford, VA Home Insurance Quotes!
Homeowners living in Seaford, VA can find more affordable home insurance premiums when they shop multiple insurance companies with GetHomeInsuranceQuotes.com. We can compare cost amongst different providers, but can also review better coverage options. Savings for Seaford residents also comes in when you apply the available discounts and credits toward your home insurance policy.
Seaford's Average Homeowners Premiums & Discounts
Residents of Seaford are lower than average when it comes to the cost of insuring their home. Seaford ranks number 33 in a recent study with the average premium coming in at $863 per year or around $72 per month. With a slightly increased deductible and applying discounts, customers are seeing rates much lower around $613 per year.
While Seaford homeowners already enjoy pretty reasonable homeowners rates, there are always ways to find more affordable home insurance coverage. Opting to receive your bills and policies via email instead of through snail mail will garner a small discount, somewhere in the range of 5 percent.
Paying your annual premium up front can also result in a small discount. Experts recommend paying in full if you can afford it. While neither of these discounts is huge on their own, added up they can make a real difference. Please visit our homeowners insurance discounts page to learn how to easy it is to cost on your premium.
Factors to Consider in Seaford, VA
Seaford’s crime rate is slightly above other areas in Virginia. Despite the fact that Seaford is a pretty safe place to live, crime can definitely affect your homeowner rates. When shopping for a new home, check crime rates online and request free quotes from us to get an idea of insurance costs in that area.
Most insurance experts advise consumers to shop their insurance at least once a year. If you are currently shopping your policy for your home in Seaford, we can help. The online quoting process is free, quick and easy. Our insurance partners are top rated carriers who have been in business for several decades and will provide you with the best rates available. Start your Seaford, VA home insurance quote today by entering your zip code. Or give us a call now for free home insurance quotes 1-855-976-2656!
Compare Homeowners Insurance Rates in Seaford, VA!
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Seaford, VA Home Insurance Companies
With over 20+ years of Virginia homeowners insurance coverage and quoting experience, we enjoy helping customer find the best price and coverage options for your home in Seaford, VA. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General and Heritage Insurance. Getting the best insurance rates with the right insurance company is key to protecing your Seaford home. Let us help you shop the best rates and coverages today!
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Average Rates Nearby Seaford
Are you looking for homeowners insurance in a city near Seaford? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
Home Insurance Rates by Zipcode in Seaford, VA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Seaford.
Seaford, VA Home Insurance Average Premiums
$613 /yr.
For the city of Seaford, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $613 /yr. |
| Average Coverage: | $863 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1163 /yr. |
What is the average home insurance cost for a home in Seaford, VA?
- • The average homeowners insurance premium paid annually for a home in Seaford is around $863 per year.
What does it cost on average per month for home insurance in Seaford, VA?
- • Homeowners in Seaford pay an average cost per month around $72.00 for insurance coverage.
Seaford, VA Coastal Wind, Hail & Flood Information
Seaford is located in 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 city of Seaford is know for it's beautiful beaches and waterways. Because York County (FIPS: 51199) 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 Seaford, VA.
Seaford, VA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $437,103 | $403,287 |
| February | $437,671 | $408,086 |
| March | $439,419 | $414,225 |
| April | $440,705 | $421,221 |
Homeowners insurance will help cover the cost to repair or replace your Seaford home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Seaford
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Seaford, VA homeowners insurance rates all in one place! |
Saving Money Tips on Seaford Home Insurance
A great way to save money on Seaford homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Seaford area? Check out what homeowners are paying on average for Virginia homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 0 ft. | This is the average home elevation in Seaford, VA | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Seaford, Virginia. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Seaford, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in York County.
Virginia Homeowners Insurance News & Information
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Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
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Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]
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Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]
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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 […]
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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 […]
Seaford, VA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Seaford so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Seaford, VA?
- The average square footage in Seaford is around 2,301 Sq. Ft. which would cost you around $375,100 to replace the home if you base the home on the price to build per square foot of $163.
Minimum Replacement Cost Total: $375,100
Location: Seaford, Virginia (York County)
Average Building Cost Per Square Foot in Seaford: $163 (low end)
Average Square Footage in Seaford: 2,301 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $163 | $375,100 |
| Some Additional Upgrades | $204 | $468,875 |
| Major Home Updates or Advancements | $245 | $562,650 |
The dwelling coverage is calculated by the average cost per square foot ($163) in Seaford, Virginia times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $509,375 (Media price to build of $204 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.