Winchester Insurance Rates:

Winchester, VA home insurance is about $629 to $856, about $52-$71/month. Our comprehensive guide indicates shoppers can save upto $296 by comparing multiple quotes

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Winchester Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $100/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1320 sqft Seasonal Residence Constructed In 1981 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1300/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 2810 sqft Rental Property Constructed In 1986 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $280/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Baths 2400 sqft Seasonal Residence Constructed In 2007 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $670/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2150 sqft Primary Residence Constructed In 1999 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Male who is Retired 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

Home Insurance Rate of $310/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1350 sqft Seasonal Residence Constructed In 2012 with Hardwood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $460/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Bath 1680 sqft Seasonal Residence Constructed In 2005 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1390 sqft Seasonal Residence Constructed In 1945 with Carpet Flooring, Composition Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $390/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1400 sqft Primary Residence Constructed In 1998 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $470/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Baths 3190 sqft Vacation Property Constructed In 1962 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $370/5 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1617 sqft Rental Property Constructed In 1963 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

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

  • 750-799 Credit Score

Winchester, VA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
22602 $250,000 $750
22601 $236,100 $750
22603 $221,600 $750

Winchester Rates & Quotes Analysis:

Winchester Area Estimated House Insurance
Jigsaw Pl, Commerce St, State Rte 657, Russelcroft Rd, Hillcrest Aly, S Kent St, Franklin St, Blue Ridge Ter, Appleseed Ct, State Rte 7$738
Conway St, Stonewall Ave, E Jubal Early Dr, Middle Rd, Morgan St, Stone House Ct, Kinzel Dr, Henry Ave, Atwell Ave, Rockland Dr$717
N Sector Ct, Winder Ct, S Purcell Ave, Orchard Ave, Valley Ave, University Dr, Windwood Dr, Elm St, Orchard Hill Dr, Apple Blossom Dr$722
Wayland Dr, W Whitlock Ave, Van Couver St, Seldon Dr, N Stewart St, US Hwy 50, W Jubal Early Dr, Hawthorne Dr, Parkview Ave, Academy Cir$763
State Rte 628, Heth Pl, Spruce St, National Ave, Wentworth Dr, N Loudoun St, Myrtle Ave, Kernstown Ct, S Braddock St, Stonehenge Rd$743

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,646 Homes (22% of total) built between 1939 or earlier in Winchester are paying home insurance between $1,587-$1,598 and differs from Boyce (+$32), Russell (+$88), Back Creek (+$12), Red Bud (-$16) and Stephens City (-$31).
  • Bedrooms: 4,010 3 bedrooms homes (34% of total homes ) in Winchester are paying about $468. Areas near to Winchester such as Boyce, Russell, Back Creek are costlier by $9, $26, $3 respectively whereas Red Bud and Stephens City are more economical by $4, $9 respectively for similar homes.
  • Auto Insurance Bundling: 1,150 Households (22% of all households) in Winchester have 3 or more vehicles available and when it is bundled with home insurance you can save $185 and varies from Red Bud ($183), Shawnee ($186), Frederick County ($185).
  • Senior Discounts: 2,874 seniors (more than 55 years) occupied housing units (55% of total) in Winchester get discounts between $110 to $113. The comparative concessions in proximate regions such as Red Bud, Shawnee and Stephens City are $110, $111 and $109 respectively.
  • New Homes discounts: New homes such as the 4,001 homes built between 2000 to 2009 in Winchester can save $148 and similar new home insurance discounts in nearby towns and cities like Red Bud, Shawnee and Frederick County are $147, $148 and $148 respectively.

Winchester Homeowners insurance Facts

  • Winchester, VA has 5,171 owner occupied houses which is 49.5% of all units whereas Red Bud, Shawnee and Frederick County have 78.73%, 79.36% and 79.47% respectively.
  • Winchester, VA homeowners yearly insurance price at $742 is 0.31% of the typical house value of $241,900 which is in contrast with 0.34% in Red Bud, 0.3% at Shawnee & 0.32% in Frederick County.
  • Homeowners in Winchester, VA pay 0.99% of their income ($75,000 or more) in insurance whereas homeowners in Red Bud, Shawnee and Frederick County pay 0.98%, 0.99% and 0.99% respectively.
  • Winchester, VA’s insurance is 3.7% of monthly housing costs of $1,666/month, for owners with a mortgage compared to 3.64% in Red Bud, 3.75% at Shawnee & 3.73% in Frederick County. But, for households without a mortgage, insurance is 14.4% of costs ($430 in Winchester, VA) in contrast with 15.55% in Red Bud, 14.66% at Shawnee & 15.73% in Frederick County.

Winchester, VA Home Values & Insurance rates

For example, insurance for 689 Homes (15.0% of total homes ) valued between $250,000 to $299,999 in Winchester, VA is about $838. Rates in nearby areas in such as Shawnee, Boyce, Russell are cheaper by $13, $119, $266 respectively while Red Bud and Frederick County are costlier by $88 and $27 respectively for similar homes.

Winchester, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 162 3.0% $74
$60,000 to $69,999 49 1.0% $192
$70,000 to $79,999 46 1.0% $230
$90,000 to $99,999 94 2.0% $289
$100,000 to $124,999 201 4.0% $333
$125,000 to $149,999 297 6.0% $415
$150,000 to $174,999 438 10.0% $497
$175,000 to $199,999 465 10.0% $571
$200,000 to $249,999 972 22.0% $690
$250,000 to $299,999 689 15.0% $838
$300,000 to $399,999 937 21.0% $1068

Renters Insurance in Winchester

  • Average Renters Insurance in Winchester :  $141($11/month)

  • Median Gross Rent in Winchester :  $880

  • Winchester Renters Insurance to Median Rent Ratio:  1.25%

  • Renter occupied housing units in Winchester :  5,283

Winchester Renters Insurance as a Percentage of Rent

Winchester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 119 2.0% $785
$300 to $499 254 5.0% $1235
$500 to $749 1,241 24.0% $1910
$750 to $999 1,713 33.0% $2660
$1,000 to $1,499 1,405 27.0% $3785
$1,500 or more 316 6.0% $5435

Rent Affordability in Winchester:

Approximately 47.0% (2,509) of households are spending more than 35% of their income on gross rent in Winchester

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 557 10.0%
15.0 to 19.9 percent 576 10.0%
20.0 to 24.9 percent 787 14.0%
25.0 to 29.9 percent 545 10.0%
30.0 to 34.9 percent 309 5.0%
35.0 percent or more 2,509 47.0%

Winchester Renters Insurance Discounts:

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

Number of Vehicles in Winchester, VA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 2,979 56.0% $14.1
2 vehicles available 1,007 19.0% $21.15
3 or more vehicles available 564 10.0% $28.2

Protective device discount in Winchester Up to :  $21

Claims-free discount in Winchester Up to :  $28