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

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
  1. $106
  2. Virginia Beach, VA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Virginia Beach is $106.
  4. Homeowners insurance rates in can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, and even your credit score.
  5. One of the most expensive hazards faced by homeowners in Virginia Beach is severe storm damage. When hurricanes and tropical storms make landfall along the Eastern Seaboard, they can bring heavy rains and damaging winds to the area. If your house sustains significant damage, such as if a tree is uprooted and damages a structural wall, your homeowners insurance can help you rebuild or repair your home and replace damaged belongings. This insurance can even help you pay for a hotel if you are temporarily displaced while your home is being repaired. 

  1. $114
  2. Chesapeake, VA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Chesapeake is $114.
  4. Your homeowners insurance is completely customized to details about your house and other considerations like weather risks, your claims history, and your deductible amount. Because of this, your monthly premium may be higher or lower than this city average. The best way to make sure you are paying a reasonable price for your coverage is to compare rates from a few competing insurance companies. 
  5. One of the most devastating things a homeowner can experience is a residential fire. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings, including furniture, electronics, clothing, and irreplaceable precious items. You may take solace in knowing that your homeowners insurance has you covered. This insurance cannot bring back your irreplaceable items like photographs and original artwork, but it can give you peace of mind in knowing you can afford to rebuild and replace damaged property, as necessary.

  1. $119
  2. Norfolk, VA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Norfolk is $119.
  4. Of course, what you may actually be expected to pay is likely to differ from this average amount. Your rates will be calculated according to factors like the size of your home, the crime rate and weather risks in your ZIP code, the age of your roof, your credit rating, the amount of your deductible, and more. 
  5. Hailstorms can be a problem in Norfolk, especially during the peak months of May and June. In May 1997, this city experienced a major hailstorm that caused approximately $10 million in damage. Large hailstones can damage your roof, gutters, siding, windows, and peripheral structures. Fortunately, when you have a solid homeowners insurance policy, you can rest assured that your hail-damaged home can be returned to normal without needing to face a large personal expense. 

  1. $74
  2. Arlington, VA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Arlington is $74.
  4. One of the main reasons for the low average cost of homeowners insurance in Arlington is that a majority of homes in this city are condos or townhouses, which are less expensive to buy coverage for. This is because structural (or dwelling) coverage is handled by the homeowners association’s (HOA's) master insurance policy. Additionally, most of the single-family houses in this city are on the smaller side and generally need less in the way of contents coverage than a larger house would.
  5. Homeowners in Arlington have a significant risk of damage caused by severe storms. These storms can often bring damaging winds and lightning to the area. Fortunately, storm damage is covered by your homeowners insurance. However, if torrential rains cause flash flooding, the resultant flood damage is not covered. For this, you will need a supplemental flood insurance policy.

  1. $100
  2. Richmond, VA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Richmond is $100.
  4. Your house is probably not the same as your neighbor’s. While everyone in your neighborhood faces the same crime and weather risks, there are many more variables that go into calculating home insurance rates. Your premium will also be based on factors like the size and value of your home, the age of your roof, your claims history, and the size of your deductible. Your monthly rate for Richmond homeowners insurance may therefore be higher or lower than this average.
  5. Richmond has a high crime rate when compared with the rest of the state. Residents of this city report about 1,000 burglaries every year. It is therefore important that you take precautions, like putting lights on timers when you are away, to help secure your home. If you have a burglar alarm installed in your house, you may even qualify for a discount on your home insurance premiums. If your home is broken into and your valuables are stolen, your Richmond homeowners insurance can cover your losses.