Homeowners Insurance in Leesburg, VA

Experts break down home insurance costs, coverages, companies, and more for drivers in Leesburg, VA.

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

paul martin Reviewed by Paul Martin
paul martin
Reviewed by Paul Martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.


Virginia is prone to severe storms and lightning damage. Without the proper protection, you could have to pay for necessary repairs to your home out of your pocket after one of these disasters. But having a good homeowners insurance policy is the key to getting the reimbursement you need.

An independent insurance agent in Leesburg can help you find the protection you need for your home against storms and many other disasters. They'll get you set up with a home insurance policy that does what you need it to do. But up first, here's a breakdown of homeowners insurance in Leesburg, VA.

What Is Homeowners Insurance?

Homeowners insurance covers disasters impacting your home, such as lightning and fire damage, vandalism, falling objects, and more. Your home's structure and contents are protected, as well as your personal liability and even loss of use if you can't stay at your home while it undergoes repairs. Home insurance is meant to consider all aspects of the house, not just the physical building.

What Does Homeowners Insurance Cover in Leesburg, VA?

Often, standard homeowners insurance includes four major coverages in its policies. These are:

  • Dwelling coverage: If your home's structure gets damaged by lightning, fire, vandalism, etc., home insurance can help reimburse you.
  • Contents coverage: If your contents or personal property like clothing gets stolen or damaged by fire, etc., your home insurance can help reimburse you.
  • Additional living expenses: If you have to stay somewhere else, like a hotel, while your home undergoes repairs after a covered disaster, your home insurance can help reimburse you for these extra costs.
  • Liability coverage: If a third party sues you for claims of bodily injury or personal property damage, your home insurance can help reimburse you for legal fees.

Talk with your independent insurance agent in Leesburg about your concerns. They'll help you build a homeowners insurance policy that considers all of your needs.

What's Not Covered by Homeowners Insurance in Leesburg, VA?

While there's a long list of disasters that are covered by homeowners insurance, another set of disasters isn't covered.

Home insurance in Leesburg, VA most often excludes:

  • Lawsuits related to malicious or intentional acts by you
  • Damage caused by nuclear fallout or war
  • Damage caused by natural flooding or earthquakes
  • Damage caused by insects or pests
  • Costs related to maintenance of the home

To fully protect your home against all natural disasters, you'll need separate flood and earthquake insurance policies. Your Leesburg, VA independent insurance agent can help you find these critical coverages.


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How Much Does Homeowners Insurance Cost in Leesburg, VA?

Homeowners insurance rates in Virginia are less than $1,000 annually. At an average of just $999 per year, residents in Virginia pay a good deal less than the current national average of $1,211. That just makes your Leesburg independent insurance agent's job of finding you affordable, local coverage even easier.

The Most Common Home Disasters in Leesburg, VA

While homeowners insurance can help reimburse you for losses caused by many disasters, it can't actually stop these threats from occurring. Virginia overall is prone to the following risks:

  1. Severe storms and lightning damage
  2. Flooding and water damage
  3. Hurricanes and tropical storms
  4. Wildfires and residential fires
  5. Burglary and other property crimes

Though your home insurance can help cover fire damage, burglary, fires, and more, it can't reimburse you for damage caused by natural flooding. You'll need to be sure to add separate flood insurance for that. 

Cheap Homeowners Insurance near Me

A cheap home insurance policy may seem like the best option, but it's often not. For starters, the lowest home insurance rates can sometimes be offered by carriers that aren't on par with those that offer the highest quality coverage. That's why it's important to consider things like customer reviews before you buy a policy from anyone.

Cheaper home insurance rates can also indicate a higher deductible. In such a case, you'd have to pay much more out of your own pocket before receiving reimbursement for a claim. You'll instead want to focus on finding affordable, not cheap, homeowners insurance in your area, and your Leesburg independent insurance agent knows just where to look.

What Are the Best Homeowners Insurance Companies in Leesburg, VA?

We also know the homeowners insurance companies in your area that offer the best rates, as well as reliable coverage that delivers on its promises. Check out a few of our top picks for home insurance in Leesburg below.

Top Homeowners Insurance Companies in Leesburg, VA Star Rating
Stillwater Insurance
5 star rating
5 star rating
The Hanover
5 star rating
5 star rating
5 star rating

Why Work with an Independent Insurance Agent in Leesburg, VA?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Virginia to find you the right coverage at a great price.

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