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Sussex County, VA Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in Sussex County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Virginia.

For Sussex County VA homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

Sussex County Home Insurance Rates

Sussex County, VA homeowners are now averaging around $92.25 per month for a basic homeowners policy. For Virginia residents, this amounts to $1107 per year for a standard home policy for homeowners living in Sussex County, VA. In comparison, the national average for home insurance premiums is around 1,249 per year. Virginia is now ranked #33 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Sussex County, VA so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all Sussex 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 Sussex 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.

Sussex County, VA Housing Demographics

With 12,087 residents living within the Sussex County area there are over 4,696 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 2,633 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 Sussex County.

DemographicValues
Total Occupied Households3,994
Family Households (families)2,633
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units4,696

Sussex County, VA Home Insurance Average Premiums

Local Sussex, 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.

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 Sussex 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 Sussex 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 Sussex 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 Sussex 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.

Sussex County Housing & Real Estate Data

Details:Statistics
Total Housing Units4696
Occupied Housing Units3994
Vacant Housing Units702
Vacant Housing Units for Rent150
Vacant Housing Units Rented Not Occupied8
Vacant Housing Units For Sale52
Vacant Housing Units Sold Not Occupied9
Vacant Housing Units For Seasonal Occasional Use114
Vacant Housing Units All Other Vacants369
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units3994
Housing Tenure Occupied Units Owner Occupied2743
Housing Tenure Occupied Units Owner Occupied Population6493
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied1251
Housing Tenure Occupied Units Renter Occupied Population3001
Housing Tenure Occupied Units Renter Occupied Average Household Size2