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Westmoreland County, VA Homeowners Insurance Quotes
Are you shopping online for home insurance in Westmoreland County VA? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our Westmoreland County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.
Protecting your home in Virginia from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!
More about premiums in Westmoreland County
Westmoreland County, VA homeowners are now averaging around $92.25 per month for a basic home insurance policy. For Virginia, this amounts to $1107 per year for a standard (HO-3) homeowners insurance policy for residents living in Westmoreland County, VA. In comparison, the national average for home insurance rates 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 Westmoreland County, VA so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.
For all Westmoreland 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 Westmoreland 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.
Westmoreland County, VA Housing Demographics
With 17,454 residents living within the Westmoreland County area there are over 10,618 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 4,845 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 Westmoreland County.
Demographic | Values |
---|---|
Total Occupied Households | 7,310 |
Family Households (families) | 4,845 |
Average Owner Occupied Household Size | 2 |
Average Family Size | 3 |
Total Housing Units | 10,618 |
Westmoreland County, VA Coastal Wind, Hail & Flood Information
For all homeowners living in Westmoreland County (FIPS: 51193), 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 Westmoreland County, VA, it's important that you look into hurricane and windstorm insurance options.
Westmoreland 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:
Westmoreland County, VA Home Insurance Average Premiums
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 Rating | Annual Premium |
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Minimum Range: | $604 /yr. |
Current Average Cost: | $841 /yr. |
Maximum Range: | $1107 /yr. |
Westmoreland County, VA Coastal Wind, Hail & Flood Information
Westmoreland 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 Westmoreland is know for it's beautiful beaches and waterways. Because Westmoreland County (FIPS: 51193) 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 Westmoreland County.
Virginia Homeowners Insurance News & Information
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How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025
Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]
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New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025
According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market. Recently, the Office of Insurance Regulation […]
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Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025
According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]
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Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
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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 […]
Discounts For Homeowners in Westmoreland 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 Westmoreland 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 Westmoreland 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 Westmoreland 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.
Westmoreland County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 10618 |
Occupied Housing Units | 7310 |
Vacant Housing Units | 3308 |
Vacant Housing Units for Rent | 209 |
Vacant Housing Units Rented Not Occupied | 9 |
Vacant Housing Units For Sale | 221 |
Vacant Housing Units Sold Not Occupied | 24 |
Vacant Housing Units For Seasonal Occasional Use | 2146 |
Vacant Housing Units All Other Vacants | 699 |
Housing Units Homeowner Vacancy Rate Percent | 4 |
Housing Units Rental Vacancy Rate Percent | 11 |
Housing Tenure Occupied Units | 7310 |
Housing Tenure Occupied Units Owner Occupied | 5591 |
Housing Tenure Occupied Units Owner Occupied Population | 12916 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2 |
Housing Tenure Occupied Units Renter Occupied | 1719 |
Housing Tenure Occupied Units Renter Occupied Population | 4468 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 3 |