Hampton Insurance Rates:

Hampton, VA home insurance is nearly $618 to $839, about $51-$69/month. Our all inclusive guide indicates shoppers can save upto $291 by getting many quotes

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Hampton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $980/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $530,000

5 Beds, 5 Baths 4820 sqft Primary Residence Constructed In 2000 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Bath 2300 sqft Rental Property Constructed In 1978 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $390/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1510 sqft Rental Property Constructed In 1961 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $280/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1340 sqft Vacation Property Constructed In 1973 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Bath 2280 sqft Rental Property Constructed In 2003 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $630/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 3340 sqft Primary Residence Constructed In 1983 with Carpet Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 3190 sqft Primary Residence Constructed In 1967 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/7 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1387 sqft Primary Residence Constructed In 1971 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Female who is Retired with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Hampton, VA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
23664 $230,400 $750
23669 $210,500 $750
23666 $205,500 $740
23661 $168,500 $720
23663 $159,500 $720

Hampton Rates & Quotes Analysis:

Hampton Area Estimated House Insurance
Hermitage Pl, Buffalo Dr, Eastfield Ct, Szetela Ct, Westwood Ave, Norris Ct, Blue Run Cir, Dane Ct, Clemwood Pkwy, 82nd St$719
Eberly Ter, Kenneth St, Cronin Dr, Stevens Ct, Burns St, Harlequin Dr, Leicester Ter, Newmarket Dr, Redford Rd, Banks Ln$720
Pocahontas Pl, Gold Cup Rd, Tripp Ter, Hardy Cash Dr, Hannah St, Hampshire Dr, Cumberland Ave, Dare Ave, Fruitwood Dr, McGivney Ln$718
Seward Dr, Laurel Dr, Womack Dr, Exeter Ct, Azalea Dr, Roxbury Ter, Bowen St, Brightwood Ave, Vienna Ct, Dodd Blvd$None
S Willard Ave, Murray Ave, Old Point Ave, Glenhaven Dr, Chichester Ave, Walters Ln, Maroney Ln, Baker Farm Dr, Hammond Ave, Ridgecrest Dr$717
Orange Plank Rd, Raymond Dr, Erskine St, Delmont Ct, Shady Grove Pl, Reynolds Dr, Doolittle Rd, Welcome Way, Royston Dr, 36th St$736
Pennwood Dr, Lookout Pass, 50th St, Ascot Ct, Brantleys Trce, Timothy Dell, N Walker Rd, Frissell Ave, Georgia St, N 2nd St$718
Libby St, Pavilion Pl, Cedar Dr, Salt Pond Rd, Wendell Dr, Hampton Roads Ave, Noble Rd, Trinity Ln, Churchill Ter, Heffelfinger St$751
Vista Point Dr, Sweeney Ln, Patterson Ave, Angus Ln, Emory Way, Murray St, Ida St, E Walker Rd, Oyster Shell Ln, Marshall St$720
Mary St, Coliseum Dr, Beverly St, Linden Ave, Bernard Ave, Reese Dr, Scollin Cir, River Walk Ct, Phelps Cir, N Greenfield Ave$733

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,791 Homes (14% of total homes ) built between 1980 to 1989 in Hampton are paying home insurance between $1,086-$1,097. Places close to Hampton, VA such as Poquoson, York County, Newport are more expensive by $57, $60, $51 respectively while Benns Church and Bacons Castle are cheaper by $82 and $17 respectively for similar homes.
  • Bedrooms: 10,551 4 bedrooms homes (20% of total homes ) in Hampton are paying about $742 and varies from Poquoson (+$39), Norfolk (+$5), Newport News (+$3), Bacons Castle (-$11) and Cheriton (-$8).
  • Auto Insurance Bundling: 12,832 Households (40% of all households) in Hampton have 2 vehicles available and when it is bundled with home insurance you can save $145. Discounts for similar bundling in close by locations such as Poquoson, Norfolk, Newport News come to $153, $146, $146 respectively.
  • Senior Discounts: 15,697 seniors (more than 55 years) occupied housing units (49% of total) in Hampton get discounts between $109 to $111. The comparative concessions in proximate regions such as Poquoson, Norfolk and York County are $114, $109 and $115 respectively.
  • New Homes discounts: New homes such as the 21,713 homes built between 2000 to 2009 in Hampton can save $145 and differs from Poquoson ($153), Norfolk ($146), Newport News ($146).

Hampton Homeowners insurance Facts

  • Hampton, VA has 31,664 owner occupied houses which is 60.3% of all units whereas Poquoson, Bethel Manor and Norfolk have 84.67%, 0.0% and 45.62% respectively.
  • Hampton, VA homeowners yearly insurance price at $728 is 0.37% of the typical house value of $197,300 which is in contrast with 0.24% in Poquoson, 0.35% at Norfolk & 0.36% in Newport News.
  • Homeowners in Hampton, VA pay 2.65% of their income ($25,000 to $29,999) in insurance whereas homeowners in Poquoson, Bethel Manor and Norfolk pay 2.79%, 2.42% and 2.67% respectively.
  • Hampton, VA’s insurance is 3.9% of monthly housing costs of $1,539/month, for owners with a mortgage compared to 3.26% in Poquoson, 3.72% at Norfolk & 4.04% in Newport News. But, for households without a mortgage, insurance is 12.9% of costs ($471 in Hampton, VA) in contrast with 10.53% in Poquoson, 11.57% at Norfolk & 12.31% in Newport News.

Hampton, VA Home Values & Insurance rates

For example, insurance for 1,019 Homes (3.0% of total homes ) valued between Less than $50,000 in Hampton, VA is about $87. Rates in nearby areas in such as Poquoson, Norfolk, York County are cheaper by $34, $7, $34 respectively while Portsmouth and Benns Church are costlier by $7 and $787 respectively for similar homes.

Hampton, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,019 3.0% $87
$70,000 to $79,999 344 1.0% $276
$80,000 to $89,999 461 1.0% $313
$90,000 to $99,999 570 1.0% $349
$100,000 to $124,999 2,221 7.0% $400
$125,000 to $149,999 2,878 9.0% $502
$150,000 to $174,999 4,539 15.0% $596
$175,000 to $199,999 4,041 13.0% $691
$200,000 to $249,999 6,449 21.0% $829
$250,000 to $299,999 4,211 14.0% $1011
$300,000 to $399,999 2,758 9.0% $1288

Renters Insurance in Hampton

  • Average Renters Insurance in Hampton :  $168($14/month)

  • Median Gross Rent in Hampton :  $980

  • Hampton Renters Insurance to Median Rent Ratio:  1.43%

  • Average household size of renter-occupied unit :  2.46

Hampton Renters Insurance as a Percentage of Rent

Hampton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 432 2.0% $342
$200 to $299 450 2.0% $792
$300 to $499 857 4.0% $1242
$500 to $749 2,996 14.0% $1917
$750 to $999 5,904 29.0% $2667
$1,000 to $1,499 7,661 37.0% $3792
$1,500 or more 1,896 9.0% $5442

Rent Affordability in Hampton:

Approximately 50.0% (10,630) of households are spending more than 35% of their income on gross rent in Hampton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,605 7.0%
15.0 to 19.9 percent 1,877 8.0%
20.0 to 24.9 percent 2,671 12.0%
25.0 to 29.9 percent 2,571 12.0%
30.0 to 34.9 percent 1,529 7.0%
35.0 percent or more 10,630 50.0%

Hampton Renters Insurance Discounts:

Hampton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Hampton, VA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 10,724 51.0% $16.8
2 vehicles available 5,466 26.0% $25.2
3 or more vehicles available 1,523 7.0% $33.6

Hampton Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,496 7.0% $98
60 to 64 years 949 4.0% $78
65 to 74 years 1,101 5.0% $63
75 years and over 978 4.0% $49

Protective device discount in Hampton Up to :  $25

Claims-free discount in Hampton Up to :  $33