Chesapeake Insurance Rates:

Chesapeake, VA homeowners insurance is roughly $638 to $864, about $53-$72/month. Our extensive research reveals consumers can save as much as $300 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The website can be a little hard to navigate if it is your first time going on there to look up quotes.
Navy Federal
The best thing i like about it is that they answer my phone call whenever i call no matter the time of day.
Nationwide
The company's service has been great - very prompt, to the point, and the staff has been very polite to us and has left at ease about our insurance.
State Farm
They are always friendly, no matter who you talk to in the office. They are always willing to help with whatever question you have.
Universal Property & Casualty Insurance Company
I like that this company is quite inexpensive in relation to other competing companies. The provided policy was easy to comprehend and offered many discounts. The process of obtaining the policy and cancellation of my old policy was easy and seamless.
Allstate
From the very beginning, Allstate has been there to guide me through the process of getting insurance for my home. This is the first home I’ve ever owned, so it's hard starting out but they have been so helpful and encouraging.
Erie Insurance
My insurance company really keeps their customers "In the know" about everything. They also send you a monthly newsletter out so that you are aware of all the "happenings".
State Farm
Reviewed multiple companies, but due to being with this company for over 15 years, the tenure has better benefits than starting with a new company.
Grange Insurance
I am completely satisfied, any questions I have ever had have been reasonably answered and dealt with in a very timely manner.
Nationwide
I am very satisfied with my insurance company. The price is perfect and there have not been any negative interactions we have experienced with them.
Progressive
The emails and physical mail spam can be very annoying, but I think that would be with a number of insurance companies and not just my chosen company in particular.
State Farm
I just wish rates were better at times. We pay almost $400 per month for our insurance and it's expensive at times. I know insurance is expensive so it is what it is.
Geico
There's not much that I dislike about this company. The only thing I would change is their app and maybe change the prices a little so you're not paying as much. Maybe offer some kind of an award program for customers so they feel like they're winning
Progressive
Overall I think the company has a great service not only for home insurance but also for auto insurance as well. I have both. I fully enjoy the service and have no intentions on switching to something else anytime soon.
Universal Property & Casualty Insurance Company
at this time, we do not have anything that we dislike about Universal Property and Casualty insurance.
Farmer's Insurance
The premiums are increasing and coverage is declining. I get mailers about higher prices and less coverage about once per quarter.

Chesapeake, VA Homeowners Insurance By Home Value

Chesapeake, VA Home Value Total Homes % of Total Average Chesapeake, VA Homeowners Insurance
Less than $50,000 2,267 4.0% $67
$100,000 to $124,999 1,097 2.0% $307
$125,000 to $149,999 2,052 4.0% $382
$150,000 to $174,999 4,045 8.0% $450
$175,000 to $199,999 4,737 9.0% $525
$200,000 to $249,999 10,345 21.0% $630
$250,000 to $299,999 9,373 19.0% $765
$300,000 to $399,999 13,713 28.0% $975

Top Home Insurance Agents Near Chesapeake, VA

Home Insurance Company Near Chesapeake, VA Homeowners Insurance Agency Near Chesapeake, VA Address
State Farm Jenel Smith 1428 Kempsville Rd Ste B, Chesapeake, VA, 23320-1418
Travelers Salzberg Insurance Agency Inc 249 E LITTLE CREEK RD, NORFOLK, VA, 23505
Travelers Towne-Lackey-Sauders Insurance Agency 20 S KING ST, HAMPTON, VA, 23669
State Farm B J Willie 816 W Constance Rd, Suffolk, VA, 23434-5642
Liberty Mutual Blair James 5330 Discovery Park Blvd Suite 100, Williamsburg, VA, 23188

Cost Of Homeowners Insurance By Street Near Chesapeake, VA

Streets in Chesapeake Area Homeowners Insurance Cost
Luxford Ct, Bridge Dr, Freemas St, Watercrest Pl, Steeton Ct, Monaco Cir, Sir Tristram Ct, Omar St, Autumn Oaks Dr, Weatherby Ct$760
Gainsborough Sq, Heathway Trl, Byrd Ct, Butternut St, White Cedar Dr, Kirkwall Ct, Deans Ct, Contrell Ct, Devonshire Dr, Callison Dr$728
Edgewood Ave, Morningside Dr, Edgewood Arch, Tanglewood Trl, Pepper Tree Ln, Holly Ridge Dr, Bayberry Pl, Paddington Ct, Candlelight Dr, Martin Johnson Rd$765
Thomas Ln, Decatur St, River Birch Run S, Rice St, Lords Landing Ct, Albemarie Ct, Hagenspring Rd, Ferryman Quay, Virginia Ave, Meadowhill Ct$764
Epping Ct, Fernwood Farms Ct, Quaker Pl, N Bugle Dr, Kegman Rd E, Gratton St, Saint Andrews Reach, Tangerine Trl, Tournament Dr, Causeway Dr$769
Coachman Dr, Heritage Cir, Kenny Ln, Jefferson St, Fenway Ave, Gauntlet Ct, Becca Anne Ct, Wisecamp Ct, Red Cedar Ct, Woodards Ford Rd$727
Challis Dr, Sweet Leaf Pl, Madrid Pl, Water View Cir, Hathaway Ct, Pelham St, Tamer Ave, King Arthur Ct, Pine Grove Ln, Hempstead Ct$729
Washington Dr, Bishop St, Springdale Rd, Piney Point Way, Royal Ct, Askew Rd, Volvo Penta Dr, Old Dock Landing Rd, Eider Ct, Knells Ridge Dr$771
Maple Forest Ct, Wildwood Rd, Rystrom Run, Habitat Xing, Fisher Ave, King Richard Way, Larkspur Ln, Waverton Ct, Saint Lawrence Dr, Marsh Island Dr$760
Hinksley Ct, Harbor Watch Dr, Sawtooth Cir, Ridge Cir, Channing Way, Monroe Ct, Rhodes St, Mathews Ct, Hilltop Ct, Twin Cedar Trl$765

Chesapeake, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chesapeake$112 to $114
Portsmouth$108
South Mills$93
Moyock$94

Chesapeake, 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
Portsmouth city, Virginia $108 $144 $216
South Mills township, Camden County, North Carolina $93 $124 $186
Moyock township, Currituck County, North Carolina $95 $126 $189

Chesapeake, 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
Chesapeake, VA3.3%11.7%
Portsmouth4.0%11.65%
South Mills2.68%12.89%
Moyock2.97%15.56%

Chesapeake Renters Insurance as a Percentage of Rent

Chesapeake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 375 1.0% $331
$200 to $299 413 1.0% $781
$300 to $499 652 3.0% $1231
$500 to $749 1,781 8.0% $1906
$750 to $999 4,914 23.0% $2656
$1,000 to $1,499 8,057 38.0% $3781
$1,500 or more 4,513 21.0% $5431

Chesapeake, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Chesapeake Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,600$9,100
Net Savings to Chesapeake Home Owner from High Deductible Plan $500

Chesapeake, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chesapeake, VA Home Replacement Value MORE than Home Value Chesapeake, VA Home Replacement Value LESS than Home Value
Replacement Value $325,000 $230,500
Insurance Premium based on Replacement Value $1,875 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $69,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $150/year

Example Chesapeake Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateErie Insurance
Monthly Premium 3890153
Year Built 200319992012
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$250000-$300000$400000-$500000
Deductible > $10,000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 375,000 Slate Shingles Roof 2,620 4 $500 Deductible 1650 10 Fiber-Cement Siding No
1994 565,000 Slate Shingles Roof 4,510 5 $500 Deductible 650 3 Fiber-Cement Siding No
2001 465,000 Slate Shingles Roof 3,390 4 $1000-$2500 Deductible 1590 10 Fiber-Cement Siding yes
2012 440,000 Slate Shingles Roof 2,690 4 $500- $1000 Deductible 980 5 Brick siding No
1999 315,000 Metal Roof 2,300 4 $5000 to $10,000 Deductible 90 1 Fiber-Cement Siding No
1991 280,000 Shingles Roof 1,920 3 $500- $1000 Deductible 590 6 Vinyl siding No
2012 635,000 Slate Shingles Roof 3,880 5 $5000 to $10,000 Deductible 790 4 Stucco siding No
1991 235,000 Composition Roof 1,780 4 > $10,000 Deductible 170 4 Fiber-Cement Siding yes
1997 305,000 Asphalt Shingles Roof 2,560 5 $5000 to $10,000 Deductible 120 2 Stucco siding No
1981 275,000 Membrane Roof 1,680 3 $2500-$5000 Deductible 430 6 Stone Siding yes
1989 515,000 Slate Shingles Roof 3,060 5 $2500-$5000 Deductible 330 2 Wood siding No
1983 220,000 Tile Roof 1,510 3 $500- $1000 Deductible 280 4 Vinyl siding yes
1992 765,000 Shingles Roof 4,900 5 $500- $1000 Deductible 1500 5 Fiber-Cement Siding No
1971 300,000 Membrane Roof 1,910 3 $2500-$5000 Deductible 740 9 Wood siding yes
1974 465,000 Asphalt Shingles Roof 3,350 5 $2500-$5000 Deductible 670 4 Brick siding No
1981 620,000 Membrane Roof 3,990 5 $2500-$5000 Deductible 1330 6 Wood siding No
1973 415,000 Metal Roof 3,410 5 $500 Deductible 1580 9 Brick siding yes
2008 280,000 Shingles Roof 1,790 4 $5000 to $10,000 Deductible 140 3 Brick siding No
1992 385,000 Composition Roof 2,650 4 $500- $1000 Deductible 350 3 Stucco siding No
2008 165,000 Membrane Roof 1,420 3 $5000 to $10,000 Deductible 410 8 Stucco siding yes
1990 155,000 Shingles Roof 2,212 4 $5000 to $10,000 Deductible 120 1 Vinyl siding No