Alexandria ,VA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Alexandria, VA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Alexandria, VA is $1595. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Alexandria, VA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Alexandria, VA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $638 |
| $200,000 | $1,085 |
| $300,000 | $1,340 |
| $400,000 | $2,042 |
| $500,000 | $2,568 |
Home insurance costs in Alexandria can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 022301 | $1,651 |
| 22314 | $1,582 |
| 22305 | $1,556 |
| 22311 | $1,503 |
| 22315 | $1,486 |
| 22312 | $1,477 |
| 22302 | $1,474 |
| 22304 | $1,439 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Alexandria, VA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,635 |
| $1000 Deductible | $1,463 |
| $1500 Deductible | $1,380 |
| $2500 Deductible | $1,244 |
| $5000 Deductible | $1,053 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Alexandria, VA | 2.7% | 8.8% |
| Huntington | 3.12% | 8.5% |
| Rose Hill | 2.63% | 10.07% |
| Belle Haven | 2.81% | 10.01% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Alexandria | $121 to $123 |
| Huntington | $115 |
| Rose Hill | $119 |
| Belle Haven | $114 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| 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 | |
| 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 |
| Insurance Company | Erie Insurance | Farmers Insurance | State Farm |
| Monthly Premium | 136 | 192 | 232 |
| Year Built | 1961 | 2011 | 1990 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $300000-$350000 | $500000-$600000 | $600000-$700000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $500 Deductible |