Stafford County, VA Homeowners Insurance Quotes

If you own a home in Stafford County, VA you are currently paying around $92.25 per month for a standard homeowners policy. A standard HO-3 policy normally coverages your home against windstorms, lightning and fire damage. In Virginia, your premium could be in the average rate range of $1107 per year. We like to help customers compare multiple home insurance rates all in one place. Our shopping process is a hassle free and we are here to help you review prices as well as coverage options that best fit your financial needs. You may want the lowest price but it is important to email or speak with us when it comes to cost versus coverage. Our consulting process if free and we can first review up to 12 major carriers with competitive rates in your area. Next, we can compare rate and coverage options. And last we can help you review enhanced coverage options like wind/hail or flood and include any homeowners insurance discounts that may apply to help you save more money on your home insurance needs.

For all Stafford 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 Stafford 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.

Stafford County, VA Housing Demographics

With 128,961 residents living within the Stafford County area there are over 43,978 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 33,311 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 Stafford County.

Stafford County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Stafford County (FIPS: 51179), 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 Stafford County, VA, it's important that you look into hurricane and windstorm insurance options.

Stafford 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:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

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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 Stafford 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 Stafford 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 Stafford 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.