How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual insurance cost
Dale City$287,0091.96$974
Newport News$247,6492.76$1,401
Virginia Beach$365,2461.30$1,267

Popular Questions about Virginia Homeowners Insurance

The annual average home insurance rate in Virginia is $999, coming in less expensive than the national average of $1,211 per year. For your exact home insurance costs, individualized quotes are needed.

Your Virginia home insurance policy will protect against fire, theft, vandalism, and natural disasters. Limits are categorized in the following manner:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability 
  • Medical payments
  • Additional living expenses

It's not a law that you have to obtain homeowners insurance when you live in Virginia. However, if you have a mortgage on your home, they will require evidence of insurance to proceed. In Virginia, $1.27 billion was paid in home insurance claims in just one year, which makes having proper protection necessary.

Virginia homeowners coverage is calculated by carriers using the following risk factors:

  • Coverages selected
  • Dwelling value
  • Local crime rates
  • Disasters reported in the area
  • Past claims reported

Your home insurance can be purchased through numerous carriers. The highest rated and most used in Virginia are Nationwide, Travelers, Progressive, and State Auto insurance companies. These markets come with superior customer service and speedy claims handling, making them stand out.

Yes, Virginia currently has 463 independent insurance agencies ready to help with your home protection. They do the shopping with highly rated carriers while you relax and save money. You can connect with an independent agent in minutes, making it super-simple.

Do You Know What Your Virginia Home Insurance Covers?

Find the Best Homeowners Insurance in Your City