Virginia Beach Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Virginia Beach


A critical consideration for every homeowner should be insurance coverage for your home. Fire, vandalism, theft, and wind damage are just a handful of the perils for which home insurance can protect your dwelling and other personal belongings. Events like this occur regularly. When paired with the high cost of repairing or rebuilding a home, investing in homeowners coverage can seem like a smart move.

The cost of home insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more info about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in Virginia Beach, start with looking around and comparing a variety of different policies. . Have a look at the summary below comparing average home insurance rates in Virginia Beach to begin your homeowners insurance search with as much info as you can. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Virginia Beach, Virginia, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Virginia Beach by insurance company

What you pay for homeowners insurance in Virginia Beach will depend on the insurance company you get your policy through. The most inexpensive home insurance in Virginia Beach comes from Nationwide, which offers average annual rates of just $982 per year. This is more favorable than the city’s average home insurance premium of $2,022.

Below you'll find a list of the cheapest homeowners insurance companies in Virginia Beach, Virginia to help you begin your search.


AFFORDABLE HOME INSURANCE COMPANIES IN VIRGINIA BEACH
CompanyAverage Annual Rate
Nationwide$982
State Farm$1,011
Travco$1,885
Erie$2,002
Allstate$2,343

Average home insurance costs in Virginia Beach by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . Homeowners in Virginia Beach who carry $200K in dwelling coverage pay an average of $1,641 per year, while those with coverage up to $400K pay around $2,920 per year.


HOMEOWNERS INSURANCE RATES IN VIRGINIA BEACH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,641
$400K Dwelling$2,920

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Virginia Beach home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what part of Virginia Beach in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can drastically affect your home insurance rates.

If you're looking for the most affordable home insurance premiums in Virginia Beach, take at look at the 23464 ZIP code. In the 23464 area, homeowners policies typically cost just $1,852 on average, which isa full $171 less than the overall average for Virginia Beach. Find the best places to live in Virginia Beach for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN VIRGINIA BEACH
ZIP CodeAverage Annual Home Insurance Rate
23464$1,852
23453$1,895
23462$1,905

On the other hand, some areas of Virginia Beach face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $2,281 makes 23451 the most expensive ZIP code in Virginia Beach for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN VIRGINIA BEACH
ZIP CodeAverage Annual Home Insurance Rate
23451$2,281
23457$2,220
23461$2,126

Money-saving tip: bundle home and auto insurance in Virginia Beach

If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Virginia Beach could, in fact, lead to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN VIRGINIA BEACH
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$784
GEICO$811
State Farm$821
Erie$822
Progressive$875

Bundling your homeowners and auto policies can be a great way to save some money on insurance. To speak with an insurance professional, give us a call at 855-493-9728 today.


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