Suffolk Insurance Rates:

Suffolk, VA home insurance is approximately $632 to $858, about $52-$71/month. Our complete guide reveals consumers can save upto $297 by getting multiple quotes

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Suffolk Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $590/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Baths 2140 sqft Primary Residence Constructed In 2013 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $780/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

4 Beds, 4 Bath 3080 sqft Seasonal Residence Constructed In 2009 with Stone Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $140/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1410 sqft Seasonal Residence Constructed In 2010 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Bath 1640 sqft Seasonal Residence Constructed In 1987 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $400/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Bath 1890 sqft Seasonal Residence Constructed In 1993 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 1810 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Composition Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1450/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

4 Beds, 4 Baths 2980 sqft Seasonal Residence Constructed In 2008 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $580/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Bath 3760 sqft Vacation Property Constructed In 1990 with Carpet Flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $120/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1370 sqft Primary Residence Constructed In 2014 with Stone Flooring, Composition Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1330/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 1740 sqft Primary Residence Constructed In 2010 with Stone Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $190/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1400 sqft Primary Residence Constructed In 1982 with Wood Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $620/8 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1453 sqft Primary Residence Constructed In 1989 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Suffolk, VA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
23432 $355,900 $800
23433 $312,300 $780
23436 $307,300 $780
23435 $295,700 $780
23437 $236,500 $740
23434 $223,100 $740
23438 $205,800 $740

Suffolk Rates & Quotes Analysis:

Suffolk Area Estimated House Insurance
Dutch Rd, Bond Ln, Bidwell St, Watts St, State Rte 10, Greenway Rd, Cedar Ct, Reno St, Eberwine Ln, Katherine St$704
Great Fork Rd, Stonegate Way, S Bay Hill Ct, Newport St, Elizabeth St, Clarys Dr, Central Ave, Dill Rd, Bridge Point Trl, Sumner St$709
US Hwy 13, Mill Brook Ct, Pelham Pl, State Rte 189, Co Rd 615, York Ct, Co Rd 650, Kenyon Rd, Erin Dr, Co Rd 653$744
Jouster Way, O'Brien Ct, Culloden St, Castle Ct, Duke of Norfolk St, Upton Pl, Woodlake Ter, Larry Anne Dr, Heritage Dr, Roy St$740
Portsmouth Blvd, Co Rd 644, Whichard Rd, Co Rd 649, Manning Rd, Cross St, Art Ray Dr, Woodberry Cres, Camel Back Ct, Gays Row$741
Lockwood Cir, Co Rd 688, Co Rd 658, Kinsey Ln, Deborah Dr, Cheriton Ln, Wilson Ct, Freeman Ave, Griffin Ln, Airport Rd$716
Ferguson Pl, Fennell Ln, Edward Ave, Michael Dr, General Pickett Dr, Coachhouse Ct, Saint James Ave, Brittle Dr, Partridge Pl, Pine St$753
Traverse Cir, Webb St, Morgan St, Grayson Ct, Purple Martin Ln, Holly Point Ln, Lewis Ave, Green Spring Dr, Everhart Ct, Cantering Ct$713
Colonial Dr, Oyster Creek Dr, Amberly Ct, Driver Point Ct, Cushing St, Wake Forest Ct, Nicklaus Dr, Barka Dr, Co Rd 637, John Deere St$744
Pitchkettle Point Cir, Oak Island Rd, Huntsman Ct, River Point Dr, Fawn Ct, Elenor St, Bob White Pkwy, Aspen Ct, Manning Rd, Chestnut St$741

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,770 Homes (20% of total homes ) built between 1990 to 1999 in Suffolk are paying home insurance between $1,073-$1,084. Places close to Suffolk, VA such as Carrollton, Smithfield, Virginia Beach are more expensive by $26, $12, $13 respectively while Windsor and Haslett(NC) are cheaper by $13 and $212 respectively for similar homes.
  • Bedrooms: 7,945 4 bedrooms homes (24% of total homes ) in Suffolk are paying about $758 and varies from Carrollton (+$19), Chesapeake (+$7), Smithfield (+$9), Haslett(NC) (-$36) and Camptown (-$47).
  • Auto Insurance Bundling: 8,233 Households (36% of all households) in Suffolk have 3 or more vehicles available and when it is bundled with home insurance you can save $186 in contrast with Windsor ($183), Haslett(NC) ($149), Camptown ($172).
  • Senior Discounts: 9,671 seniors (more than 55 years) occupied housing units (42% of total) in Suffolk get discounts between $111 to $114 in contrast with Windsor ($110), Haslett(NC) ($89), Camptown ($103).
  • New Homes discounts: New homes such as the 18,470 homes built between 2000 to 2009 in Suffolk can save $148 and similar new home insurance discounts in nearby towns and cities like Windsor, Haslett(NC) and Camptown are $147, $119 and $138 respectively.

Suffolk Homeowners insurance Facts

  • Suffolk, VA has 22,789 owner occupied houses which is 74.7% of all units whereas Windsor, Haslett and Camptown have 79.67%, 77.7% and 44.88% respectively.
  • Suffolk, VA homeowners yearly insurance price at $744 is 0.3% of the typical house value of $248,900 which is in contrast with 0.34% in Windsor, 0.4% at Haslett & 0.88% in Camptown.
  • Homeowners in Suffolk, VA pay 0.99% of their income ($75,000 or more) in insurance whereas homeowners in Windsor, Haslett and Camptown pay 0.98%, 0.8% and 0.92% respectively.
  • Suffolk, VA’s insurance is 3.3% of monthly housing costs of $1,893/month, for owners with a mortgage compared to 4.07% in Windsor, 3.75% at Haslett & 7.57% in Camptown. But, for households without a mortgage, insurance is 12.9% of costs ($482 in Suffolk, VA) in contrast with 15.83% in Windsor, 11.13% at Haslett & 12.52% in Camptown.

Suffolk, VA Home Values & Insurance rates

For example, insurance for 925 Homes (4.0% of total homes ) valued between Less than $50,000 in Suffolk, VA is about $74. Rates in nearby areas in such as Isle of Wight County, Carrollton, Chesapeake are cheaper by $7, $14, $7 respectively while Windsor and Haslett are costlier by $6 and $21 respectively for similar homes.

Suffolk, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 925 4.0% $74
$60,000 to $69,999 218 1.0% $193
$80,000 to $89,999 285 1.0% $252
$90,000 to $99,999 289 1.0% $282
$100,000 to $124,999 833 4.0% $327
$125,000 to $149,999 996 5.0% $409
$150,000 to $174,999 1,697 8.0% $483
$175,000 to $199,999 1,838 9.0% $558
$200,000 to $249,999 4,086 21.0% $669
$250,000 to $299,999 3,526 18.0% $818
$300,000 to $399,999 4,384 22.0% $1041

Renters Insurance in Suffolk

  • Average Renters Insurance in Suffolk :  $136($11/month)

  • Median Gross Rent in Suffolk :  $982

  • Suffolk Renters Insurance to Median Rent Ratio:  1.12%

  • Renter occupied housing units in Suffolk :  7,713

Suffolk Renters Insurance as a Percentage of Rent

Suffolk Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 244 3.0% $334
$200 to $299 299 4.0% $784
$300 to $499 286 3.0% $1234
$500 to $749 1,258 17.0% $1909
$750 to $999 1,721 23.0% $2659
$1,000 to $1,499 2,403 32.0% $3784
$1,500 or more 1,111 15.0% $5434

Rent Affordability in Suffolk:

Approximately 51.0% (4,008) of households are spending more than 35% of their income on gross rent in Suffolk

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 606 7.0%
15.0 to 19.9 percent 718 9.0%
20.0 to 24.9 percent 946 12.0%
25.0 to 29.9 percent 707 9.0%
30.0 to 34.9 percent 728 9.0%
35.0 percent or more 4,008 51.0%

Suffolk Renters Insurance Discounts:

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

Number of Vehicles in Suffolk, VA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,755 48.0% $13.6
2 vehicles available 2,179 28.0% $20.4
3 or more vehicles available 663 8.0% $27.2

Protective device discount in Suffolk Up to :  $20

Claims-free discount in Suffolk Up to :  $27