The state of Virginia contains both the Blue Ridge Mountains and the Chesapeake Bay, making it a pretty diverse place to live. People that live in this state will be happy to hear that average Virginia homeowners insurance premiums are lower than the national average. Of course, you will have to compare quotes on your unique property to know how much you’ll pay to ensure your investments are safe.
Comparing Virginia home insurance quotes can take quite a bit of time. It may also be difficult to figure out the exact amount and type of coverage to purchase.Use our independent agent matching system to help you find the right policy at the right price.
What Is The Cost of Homeowners Insurance in Virginia?
- National yearly premium average: $1,132
- Virginia yearly premium average: $946
- 32nd most expensive premium in the US
The price to cover your own house will depend on the value of your home, rebuilding costs, and even the insurer you choose to do business with.
What Does A Policy Cover?
Most Virginia homeowners insurance policies will offer you a package of coverage for your needs. It may be helpful to compare some Virginia claims statistics to national claims statistics to get an idea of the hazards you face as a Virginia home owner.
Number of Catastrophes in Virginia and the US
- National number of catastrophes: 19.033
- Number of catastrophes in Virginia: 522
- National number of tornadoes: 1,233
- Number of tornadoes in Virginia: 7
- National property damage from weather: $5,511,270,000
- Property damage from weather in Virginia: $7,380,000
Theft in Virginia
- National average for burglaries: 37,814
- Virginia number of burglaries: 26,640
Virginia is threatened with about the median number of tornadoes when compared with the other states, but it has a high number of overall catastrophes. The burglary rate is below the national average.
As you consider purchasing a home or checking into your current homeowners insurance, it may be a good idea to review your coverage limits for weather and theft-related claims. Beyond that, it is wise to take steps to make sure your home is as secure as possible.
Installing burglar and fire alarm systems, maintaining your property, and employing common sense can help keep your home and family safer. Some Virginia homeowners insurance companies will even offer discounts for upgrades to your home. Your insurance agent can help you understand local risks and put together the right protection package for your house and property.
Find Competitive Virginia Home Insurance Quotes
Every home owner in Virginia needs insurance coverage when the unexpected occurs. An independent agent in the Trusted Choice network can help you select the perfect plan at the best price.
For you to purchase a great Virginia homeowners insurance policy you don’t have to become an expert in the risks your home will face, or the ins and outs of the insurance industry. An independent agent can help you shop for the right policy and provide you with excellent customer service.