Alexandria Insurance Rates:

Alexandria, VA homeowners insurance is nearly $692 to $941, about $57-$78/month. Our thorough guide shows customers can save upto $326 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Average Home Insurance Cost in Alexandria, VA

The average cost of homeowners insurance in Alexandria, VA, is $1560. Home insurance, also known as homeowners insurance, involves property protection, including losses occurring to one's home and its contents during unanticipated circumstances. Homeowners must consider purchasing home insurance in Alexandria, VA, to keep themselves financially protected.

Home insurance companies determine home insurance rates after considering several factors, including your house's size, location, age, credit history, risk of disaster or theft, features and upgrades that may help mitigate risk, construction materials, etc. Here are a few factors you may consider to avail discount on home insurance in Alexandria, VA.

a. By choosing a higher deductible

Your home insurance deductible plays an important role in how claims are paid. A deductible is an amount a homeowner pays out of their wallet towards the claim. If your claim is authorized, homeowners will receive payment from their insurance company for the total amount of damage minus their deductible. There is a wide range of deductibles offered to the homeowners. For example, homeowners paying a deductible of 500 and 1500 pay a premium of $1542 and $1313 on homeowners insurance in Alexandria, VA. In contrast, homeowners paying a deductible of 2000 and 2500 pay $1191.53 and $1120.08, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Alexandria, VA.


b. By installing security features

One practical advantage of maintaining a house with advanced security features is that the homeowner will be able to save money by availing of home safety features discounts. For example, a sprinklers system can help contain the loss of life and property damage by preserving the building's structural integrity while controlling heat strokes. They also act as a buffer giving you and others the time needed to get safely out of your home. Homes with sprinkler systems pay $1435.2 on home insurance in Alexandria, VA.

c. By maintaining a zero claims history 

Zero claims are often synonymous with fewer damages or repairs to the house, so some insurance providers offer no-claim discounts on homeowners insurance in Alexandria, VA. For example, homeowners in Alexandria, VA, with zero claims history have to pay a premium of $1357.2. In contrast, homeowners with one or two claims must pay $1700.4 and $1762.8 on homeowners insurance in Alexandria, VA.

Tips For Choosing The Best Alexandria, VA, Home Insurance Company

In Alexandria, Virginia, homeowners pay an average home insurance rate of $1,547, which is comparatively higher than the national average premium of $1,438. Below are some of the factors that Alexandria homeowners should consider before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant current policyholders’ claims. Alexandria homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Alexandria homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Alexandria homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes can differ from one insurance company to another. Alexandria homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles Vs. Insurance Rates

Alexandria homeowners can opt for high deductibles to lower their home insurance. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Alexandria homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Alexandria homeowners are suggested to choose home insurance companies with a simple and swift claims processing system.

Alexandria, VA Homeowners Insurance By Home Value

Alexandria, VA Home Value Total Homes % of Total Average Alexandria, VA Homeowners Insurance
Less than $50,000 285 2.0% $40
$70,000 to $79,999 119 1.0% $122
$100,000 to $124,999 380 3.0% $187
$125,000 to $149,999 250 2.0% $228
$150,000 to $174,999 582 5.0% $277
$175,000 to $199,999 807 7.0% $318
$200,000 to $249,999 2,103 18.0% $383
$250,000 to $299,999 2,206 19.0% $465
$300,000 to $399,999 4,278 38.0% $595

Top Home Insurance Agents Near Alexandria, VA

Home Insurance Company Near Alexandria, VA Homeowners Insurance Agency Near Alexandria, VA Address
NA H. U. Dove & Company, Inc. 250 S President St Ste 3700, Baltimore, MD, 21202
Allstate Colleen Wagschal 9051 Red Branch Rd Ste J, Columbia, MD, 21045
Travelers Dominion General Ins Agency Llc 3421 COMMISSION CT STE 100, WOODBRIDGE, VA, 22192
Liberty Mutual Independent Holden & Co Insurance Inc 115 N Saint Asaph St, ALEXANDRIA, VA, 22314
Allstate Susana Mccoy 6813 Old Alexandria Ferry Rd, Clinton, MD, 20735

Alexandria, VA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Alexandria, VA

Streets in Alexandria Area Homeowners Insurance Cost
Maris Ave, Edison St, Lambert Dr, US Hwy 1, Scarburgh Way, Campus Ln E, Boyle St, Hunting Creek Dr, Viewpoint Rd, Vos Ln$805
N West St, N Quaker Ln, Bus Center Dr, Fitzgerald Ln, E Glebe Rd, Brawner Pl, Ashby St, W Glebe Rd, Moncure Dr, Laird Pl$785
Bragg St, W Glendale Ave, Clyde Ave, W Monroe Ave, E Chapman St, W Linden St, N Paxton St, Little St, E Nelson Ave, Lane Dr$915
Derby Ct, N Jordan St, E Custis Ave, Fort Ward Pl, Kenmore Ave, Monticello Blvd, W Mount Ida Ave, Davis Ave, Carriage House Cir, E Timber Branch Pkwy$911
Ivanhoe Ct, Parkway Ter, Ripon Pl, Manning St, Keller Ave, Fairview Ct, Riddle Walk, Helmuth Ln, Ingle Pl, Osage St$869
Hilltop Ter, S Van Dorn St, Adams Ave, E Luray Ave, N Early St, Fords Landing Way, N Gladden St, N Jordan Ct, Terrett Ave, Small St$870
S Quaker Ln, S Saint Asaph St, N Washington St, Wythe St, Waple Ln, N Fayette St, Prince St, Wharf St, Janneys Ln, W Reed Ave$888
Commerce St, Dawes Ave, E Mason Ave, Woodmire Ln, Richenbacher Ave, State Rte 241, W del Ray Ave, Guthrie Ave, Evans Ln, E Alexandria Ave$858
W Mount Ida Ave, Burke Ave, N Pelham St, Harold Secord St, Catlin Ln, S West St, Brighton Ct, Lee Cir, Woodbine St, Archer Ct$841
S Jenkins St, Halcyon Dr, Pierpont St, Tennessee Ave, Cloudes Mill Dr, N Pickett St, Lannon Ct, Fillmore Ave, Wellington Rd, Leslie Ave$888

Alexandria, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alexandria$121 to $123
Rose Hill$119
Belle Haven$114

Alexandria, VA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Huntington CDP, Virginia $115 $153 $230
Rose Hill CDP (Fairfax County), Virginia $119 $159 $239
Belle Haven CDP, Virginia $115 $153 $230

Alexandria, VA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alexandria, VA2.7%8.8%
Rose Hill2.63%10.07%
Belle Haven2.81%10.01%

Alexandria Renters Insurance as a Percentage of Rent

Alexandria Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 387 1.0% $299
$300 to $499 537 1.0% $1199
$500 to $749 1,178 3.0% $1874
$750 to $999 2,678 7.0% $2624
$1,000 to $1,499 14,675 41.0% $3749
$1,500 or more 15,939 44.0% $5399

Alexandria, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Alexandria Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Alexandria Home Owner from High Deductible Plan $600

Alexandria, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Alexandria, VA Home Replacement Value MORE than Home Value Alexandria, VA Home Replacement Value LESS than Home Value
Replacement Value $380,500 $264,000
Insurance Premium based on Replacement Value $1,900 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,000 Risk Exposure from Under Insuring Coverage is $37,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $400/year

Example Alexandria Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceFarmers InsuranceState Farm
Monthly Premium 136192232
Year Built 196120111990
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $300000-$350000$500000-$600000$600000-$700000
Deductible $500- $1000 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Alexandria, VA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 255,000 Shingles Roof 1,220 2 $2500-$5000 Deductible 240 3 Stucco siding No
1965 215,000 Shingles Roof 1,140 2 $500 Deductible 360 3 Fiber-Cement Siding No
1966 590,000 Tile Roof 2,340 3 $1000-$2500 Deductible 140 1 Stone Siding yes
2010 400,000 Tile Roof 1,790 2 $2500-$5000 Deductible 340 3 Vinyl siding No
1968 510,000 Slate Shingles Roof 2,120 3 $500 Deductible 2610 10 Fiber-Cement Siding yes
1985 390,000 Asphalt Shingles Roof 1,800 4 > $10,000 Deductible 1090 10 Stone Siding No
1990 240,000 Asphalt Shingles Roof 1,270 2 $5000 to $10,000 Deductible 380 6 Vinyl siding yes
1994 590,000 Metal Roof 2,470 4 $2500-$5000 Deductible 610 4 Vinyl siding yes
1997 395,000 Asphalt Shingles Roof 1,740 3 $1000-$2500 Deductible 120 1 Stucco siding No
1966 685,000 Tile Roof 3,080 4 $500- $1000 Deductible 1040 6 Wood siding yes
1984 245,000 Metal Roof 1,050 2 > $10,000 Deductible 470 10 Stucco siding No
1997 515,000 Wood Shake Roof 2,110 4 $500 Deductible 1090 5 Wood siding yes
1994 375,000 Shingles Roof 1,920 4 $2500-$5000 Deductible 550 6 Fiber-Cement Siding No
1982 230,000 Composition Roof 1,120 2 $1000-$2500 Deductible 370 6 Stucco siding No
1990 370,000 Slate Shingles Roof 1,710 2 $500- $1000 Deductible 1960 10 Brick siding yes
1967 350,000 Metal Roof 1,370 2 $1000-$2500 Deductible 1300 10 Wood siding No
1969 455,000 Membrane Roof 2,130 4 $1000-$2500 Deductible 1910 12 Stone Siding No
1977 300,000 Composition Roof 1,640 2 $2500-$5000 Deductible 410 6 Brick siding yes
1959 445,000 Metal Roof 2,330 4 > $10,000 Deductible 1140 12 Stone Siding No
1968 570,000 Slate Shingles Roof 2,460 4 $5000 to $10,000 Deductible 140 1 Brick siding yes
1989 435,000 Metal Roof 2,030 3 $5000 to $10,000 Deductible 800 7 Brick siding yes
2001 440,000 Metal Roof 1,810 3 $5000 to $10,000 Deductible 200 2 Stone Siding yes
1973 565,000 Metal Roof 2,340 4 $5000 to $10,000 Deductible 1390 7 Stone Siding No
1987 625,000 Metal Roof 3,310 4 $1000-$2500 Deductible 2570 12 Vinyl siding yes
1977 435,000 Asphalt Shingles Roof 1,930 3 $500 Deductible 750 5 Stone Siding yes
2010 485,000 Slate Shingles Roof 2,400 3 $500 Deductible 2900 12 Brick siding yes
1986 275,000 Tile Roof 1,170 2 $1000-$2500 Deductible 170 2 Brick siding yes
2010 385,000 Shingles Roof 1,570 3 > $10,000 Deductible 580 6 Vinyl siding No
1979 525,000 Metal Roof 2,030 3 $2500-$5000 Deductible 1310 7 Fiber-Cement Siding No
1978 240,000 Composition Roof 919 1 $2500-$5000 Deductible 560 5 Wood siding yes

Latest Home Insurance Reviews

State Farm
I use my parents' company. The agent serves the entire family. He is really nice and accomodating. When there was a house fire, he showed up in person with a reloadable debit card for a hotel stay.
State Farm
They are competitive; since I got my new car and need full protection, the rates went up, but it's OK - they are still easy to pay.
I wish the deductible was a little less, but with the most basic plan I expected exactly what I received. The premium is also lacking, but I am ok with it right now.
State Farm
My deductible is $500 and cover 30,000 which is plenty for what my belongings consist of.
Erie Insurance
Because my company provides lowest premium and deductible with the same coverage compared to other providers, I definitely recommend it.
Our premium is fair. It fits our needs and our budget. We know that there are policies with a little better coverage but the premiums are much more expensive.
Liberty Mutual
It is very cost effective. I pay $130 per annum in 4 quarterly payments.
Farmer's Insurance
They had similar policy offerings for a lower price, our coverage remained the same as when we were with State Farm.
Grange Insurance
I Am absolutely fine with their communication with me. They send notices and billings via email which is very convenient and I am fine with it.
I would most certainly recommend this insurance for someones home. Its low cost very high in service and many options that come with just the most basic insurance. It has low prices great customer service.
I don't know how their offerings are compared to other companies I went with them because that's who I have car insurance with.
State Farm
I think this company is a fair company that offers good products at competitive premiums. Their customer service is prompt.
Liberty Mutual
I would recommend this company because it is one of the most popular, it was easy to research and gather information, and we are happy with it.
Erie Insurance
There are affordable premium and deductible compare to other companies i know
I have found over the years the premiums were very reasonable and the customer service always responsive and polite.
Alfa Insurance
What i don’t like about alfa is that their premiums are some of the highest in our area.
Geico home insurance is great. they are so easy to work with and they always provide the best customer service that you can ask for.
Erie Insurance
I don't love the cost of course, especially now that my home is much newer compared to my old one. I was surprised at the price increase of my premium due to the additional square footage in the house, but the home is in such better condition age-wise than my old house.
Alfa Insurance
I like how my agent is very personal with my family, she is very friendly and treats my family like her own.
Farmer's Insurance
They are very friendly and is always willing to help us when we go in to see her. She is always looking for ways to save us money and also give us tips on things the company is looking for us to do with our home to optimize our coverage.
Erie Insurance
I don't like that you can't see your detailed coverage online you can only see your payment scheduled
American Home Insurance
Do not want to pay that much a month for a just in case policy. Mostly just wish the price were lower. Some places do offer a more affordable coverage.
State Farm
state farm premium is very affordable compared to other home insurance that I have chosen before and just didn't work out
I think the premium is a bit high, but otherwise, I'm very satisfied with my home insurance provider and will continue to use them in the future.
State Farm
From the start of purchasing a policy to the end result of payment and filing a claim is all very simple, pleasant and great customer service skills. We in the past thought about changing companies but we love the State Farm company and decided to stay. They understand that we are on a budget and look for policies that meet our price range. I have never really had a bad experience with the company.
I actually really enjoy working with Allstate. They are nice, offer good discounts, and the agent I use is great. I wouldn't change a thing (besides maybe lowering premiums, but they are reasonable).
Erie Insurance
they are very nice, and helpful. they helped me easily set up my account and pick out the right plan for my family. it was easy to talk to and ask any questions or concerns that I had going into a new insurance policy.
Even though we have had a positive experience, I'm not sure I would recommend them. This is due to the fact that other family members with the same company shared their bad experiences with me. So even though at the moment I am satisfied, I'm always waiting for the other shoe to drop.
Allstate have a good customer service. They are a very efficient company. They have integrity and are reliable. Their employees show respect and courtesy to clients.
Farmer's Insurance
I feel like they are offering good coverage for a price that is reasonable and fair. I feel like they are straightforward when dealing with customers and don't constantly try to upsell.
Liberty Mutual
what I do not like is their customer service they are slow when they are called and they do not answer calls right away
State Farm
It is a good service and the customer care service is good they serving with patience and i like state Farm insurance company.

How To Make Your Alexandria, VA Home Insurance Cheaper

How Much Does Alexandria, VA Home Insurance Cost?