Suffolk City County, VA Homeowners Insurance Quotes

We can help you shop and compare the best home insurance rates for your home in Suffolk City 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 Suffolk City County.

When reviewing Virginia home insurance policies, Suffolk City 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 Suffolk City 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 Suffolk City County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Suffolk City 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 Suffolk City 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.

Suffolk City County, VA Housing Demographics

With 84,585 residents living within the Suffolk City County area there are over 33,035 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 23,135 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 Suffolk City County.

Suffolk City County, VA Coastal Wind, Hail & Flood Information

For all homeowners living in Suffolk city (FIPS: 51800), 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 Suffolk City County, VA, it's important that you look into hurricane and windstorm insurance options.

Suffolk City 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?

• Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

  Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

• Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

  As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

• Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

  According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

• Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

  According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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 Suffolk City 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 Suffolk City 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 Suffolk City 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.