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Spotsylvania County, VA Homeowners Insurance Quotes

Getting the afforable homeowners coverage that you want in Spotsylvania County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of Virginia allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Spotsylvania County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!

Spotsylvania County, VA Prices Per Year

Virginia homeowners insurance premiums are on the increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Spotsylvania County is ranked lower in the nation with an average annual premium of $1107/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Spotsylvania County.

Coastal Spotsylvania County, VA Home Insurance Rates

For coastal properties, flood protection is crucial for areas like Spotsylvania County that are prone to hurricanes, flooding and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. A flood insurance policy is not part of your standard homeowners policy, but can easily be bundled to help give you the added protection you need by combining an HO-3 policy with wind and hail coverage plus flood insurance. We offer an easy way to review the best flood insurance rates for Spotsylvania County, please give us a call at at 1-855-976-2656. If you are only looking for flood insurance only then please contact our flood insurance agent at 1-888-620-1954 for completitive flood insurance rates in Spotsylvania County.

For all Spotsylvania 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 Spotsylvania 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.

Spotsylvania County, VA Housing Demographics

With 122,397 residents living within the Spotsylvania County area there are over 45,185 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 32,431 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 Spotsylvania County.

DemographicValues
Total Occupied Households41,942
Family Households (families)32,431
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units45,185

Spotsylvania County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Spotsylvania County (FIPS: 51177), 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 Spotsylvania County, VA, it's important that you look into hurricane and windstorm insurance options.

Spotsylvania 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:

Spotsylvania County, VA Home Insurance Average Premiums

Local Spotsylvania, 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.

Spotsylvania County, VA Coastal Wind, Hail & Flood Information

Spotsylvania 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 Spotsylvania is know for it's beautiful beaches and waterways. Because Spotsylvania County (FIPS: 51177) 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 Spotsylvania County.

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 Spotsylvania 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 Spotsylvania 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 Spotsylvania 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 Spotsylvania 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.

Spotsylvania County Housing & Real Estate Data

Details:Statistics
Total Housing Units45185
Occupied Housing Units41942
Vacant Housing Units3243
Vacant Housing Units for Rent619
Vacant Housing Units Rented Not Occupied33
Vacant Housing Units For Sale671
Vacant Housing Units Sold Not Occupied113
Vacant Housing Units For Seasonal Occasional Use887
Vacant Housing Units All Other Vacants920
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units41942
Housing Tenure Occupied Units Owner Occupied33258
Housing Tenure Occupied Units Owner Occupied Population97095
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied8684
Housing Tenure Occupied Units Renter Occupied Population24778
Housing Tenure Occupied Units Renter Occupied Average Household Size3