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Homeowners in Woodbridge, Virginia, pay an average home insurance rate of $987. Virginia is known for relatively low home insurance rates, with the average being $952. Below is a list of discounts offered to Woodbridge homeowners, which they can use to reduce their home insurance rates further.


Home insurance companies provide discounts to Woodbridge homeowners based on the construction materials used to build the house. Woodbridge homes built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Woodbridge homes constructed using fire-resistive materials and superior materials get discounts of $109 and $89, respectively, on their homeowner’s insurance. Houses built using masonry and brick earn a discount of $49, while homes that have a hail resistant roof get a $20 discount.

Newly constructed Woodbridge homes can avail of discounts of up to $207 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. The average home insurance rates of Woodbridge homes older than 40 years and 50 years are $1,013 and $1,034, respectively.

In the best interest of protecting their investments, home insurance companies offer discounts to homes installed with safety devices. For instance, Woodbridge homes with deadbolts and fire extinguishers can avail discounts.

Although most of the factors to avail discounts are not under the purview of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Woodbridge homeowners opting for a high deductible of $2,500 can avail of a discount of $278 on homeowners insurance. Homeowners receive discounts of $233 and $156, respectively, on deductibles of $2,000 and $1,500.

Home insurance companies provide discounts to homeowners who have a claims-free history. In contrast, homeowners with prior claims can attract an additional charge on their home insurance premiums. The cost of home insurance in Woodbridge increases by up to 44% based on the nature and number of claims. Woodbridge homeowners who have a history of two fire claims and two water claims attract an additional charge of $474 and $325, respectively.