Gainesville Insurance Rates:

Gainesville, VA homeowners insurance is nearly $661 to $900, about $55-$75/month. Our extensive analysis reveals consumers can save upto $312 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Homeowners Insurance in Gainesville, VA

On the hunt for home insurance in Gainesville, VA? Well, then this article is for you. Many companies offer homeowners insurance in Gainesville, VA, at an affordable price but sorting through the various home insurance policies can be daunting. This is because each company offers a different cost of insurance based on the needs and requirements of the insurer.

VHome's research reveals the major components responsible for the change in the cost insurance and multiple ways where homeowners can avail exclusive discounts. The average cost of homeowners insurance in Gainesville, VA, is $1232. Home insurance in Gainesville, VA, covers:

a. damages caused by an aircraft

b. windstorm

c. Damage caused by vehicles

d. Theft

e. Vandalism

f. civil disturbances

g. fire damage

h. Water damage from plumbing, heating, or air conditioning overflow

i. Damage from electrical current

It also depends on the amount of your coverage. Coverage refers to the package offered by the insurance provider that covers the loss or damages of the house in any unanticipated events.

Homeowners of Gainesville who have opted for a standard insurance package will be compensated for the replacement value of the damaged or destroyed property. However, if you have chosen coverage with higher limits, you will be fully paid for the damage suffered to your home.

Homeowners in Gainesville, VA, paying a coverage of $100,000, can avail of home insurance for $288. Generally, homeowners opt for coverage of $400,000 to $500,000, where they have to pay a premium of $1524 and $2057, respectively.

Refer to the chart below to know the applicable cost of insurance as per the coverage type.

Homeowners_Insurance_in_Gainesville_VA

Apart from that, Gainesville homeowners opt for a higher deductible to reduce their premiums. A deductible is the portion of coverage that the policyholder has to pay from his own pockets. Once the policyholder files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.

Choosing a higher deductible generally means that you pay less for the insurance. Homeowners opted for a high deductible of 2000 and 2500 pay $941 and $884.58, respectively. Homeowners opted for a low deductible of 500 and 1000 spend $1217.22 and $1101.16, respectively, on homeowners insurance. Although it is a practical option to reduce your premium, it is advised to opt for a deductible that will help cover costs after a major event.

Other than that, insurance providers decide the cost of insurance based on the security features installed in your home to prevent damage. By installing features like a fire extinguisher, deadbolts, and smoke detectors in your home, you make your home safer and less damage-prone. Homeowners in Gainesville with deadbolts and fire extinguishers pay $1096.48. In addition, homes equipped with burglar alarms and lightning protection pay $1121.12 and $1195.04, respectively, on homeowners insurance.

Gainesville, VA Homeowners Insurance By Home Value

Gainesville, VA Home Value Total Homes % of Total Average Gainesville, VA Homeowners Insurance
$100,000 to $124,999 354 3.0% $234
$125,000 to $149,999 465 4.0% $288
$150,000 to $174,999 679 7.0% $343
$175,000 to $199,999 388 4.0% $398
$200,000 to $249,999 1,995 20.0% $484
$250,000 to $299,999 2,039 21.0% $585
$300,000 to $399,999 3,352 34.0% $749

Top Home Insurance Agents Near Gainesville, VA

Home Insurance Company Near Gainesville, VA Homeowners Insurance Agency Near Gainesville, VA Address
NA Bb&T/Givens & Williams 3975 Fair Ridge Dr #110, Fairfax, VA, 22033
Erie Boizelle Insurance Partnership 845-K Quince Orchard Blvd, Gaithersburg, MD, 20878
State Farm Kim Musser 10724 Ltl Patux Pkwy Ste 201, Columbia, MD, 21044-3249
Allstate Spillman-Henderson Agency 9520 Marlboro Pike Ste 101, Upper Marlboro, MD, 20772
Travelers V W Brown Ins Service Llc 11166 FAIRFAX BLVD, FAIRFAX, VA, 22030

Gainesville, VA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Gainesville, VA

Streets in Gainesville Area Homeowners Insurance Cost
Glass Mountain Way, la Jolla Ct, Oakland Ridge Rd, Michelle Ct, Tulloch Spring Ct, Susquehanna Rd, Dylan Pl, Hartwood Meadow Pl, Maiden Creek Ct, Sabbarton Pl$804
Londons Bridge Rd, Tallyrand Way, Lone Star Way, Trundle Pl, Baylor Park Ct, Columbia Springs Way, Halverton Pl, Old Linton Hall Rd, Ashland Ave, Triple Crown Loop$805
Danube Way, Real Quite Ct, Taylors Mill Pl, Croydon Pl, Medalist Ct, Brogue Ct, Banbury Dr, Eldermill Ln, Wellington Rd, Moss Ln$799
Jefferson St, Piedmont Center Plz, Cellar Door Dr, Gallerher Rd, King Ct, Green Bay St, Clubhouse Rd, Poplar St, Emory Falls Ct, Swift Creek Ct$798
Groveton Rd, Bethpage Ln, Lucknow St, Bermuda Ln, Cavaletti Ct, Newbern Loop, Waterfall Rd, Alan Ct, Livia Dr, Arthur Hills Dr$817
Judy Ter, Lurette Rd, Cinch Ln, Upland Meadow Ct, Brevard Park Ct, Sunday Silence Ct, Violet Ct, Sequoia Park Way, Pelham Ct, Halsey Ct$803
Artemus Rd, Grimsby Ln, Wilton Meadows Ct, Cool Spring Dr, Cannon Ball Ct, Crackling Cedar Ln, Featherbed Ln, Rushing Creek Ct, Williamson Blvd, Old Compton Rd$805
Augusta Rd, University Blvd, Weatherwood Ct, Jackson Hollow Rd, Amal Ln, Patent Cir, Yalta Way, Lanier Overlook Ct, Turning Grass Way, Rienzi Pl$774
United Park Way, Walking Stick Way, Ripple Stone Ct, Winchester Ct, Antioch Rd, Huron Dr, Sabre Ct, Golf View Dr, Largo Vista Dr, Norwick Pl$819
Black Horse Ct, Idlewood Park Ct, Rosney Ct, Canyon Creek Way, Jacksonville Ave, Legend Glen Ct, Berkely Dr, Glass Ridge Pl, Perrish Ln, Pine Knott Ct$798

Gainesville, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gainesville$116 to $119
Haymarket$115
Stone Ridge$117
Bull Run$109

Gainesville, 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
Haymarket town, Virginia $96 $128 $192
Bull Run Mountain Estates CDP, Virginia $96 $128 $192
Stone Ridge CDP, Virginia $98 $131 $196

Gainesville, 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
Gainesville, VA2.7%10.2%
Haymarket2.54%11.96%
Bull Run Mountain Estates2.87%6.97%
Stone Ridge2.44%12.81%

Gainesville Renters Insurance as a Percentage of Rent

Gainesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 142 1.0% $766
$500 to $749 218 2.0% $1891
$750 to $999 807 10.0% $2641
$1,000 to $1,499 3,724 49.0% $3766
$1,500 or more 2,556 33.0% $5416

Gainesville, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Gainesville Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $9,300$7,800
Net Savings to Gainesville Home Owner from High Deductible Plan $1,500

Gainesville, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gainesville, VA Home Replacement Value MORE than Home Value Gainesville, VA Home Replacement Value LESS than Home Value
Replacement Value $660,500 $413,000
Insurance Premium based on Replacement Value $3,825 $2,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $103,000 Risk Exposure from Under Insuring Coverage is $144,500
Premium Impact Insurance cheaper by $825/year Insurance costlier by $600/year

Example Gainesville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 8013256
Year Built 200719961970
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $250000-$300000$400000-$500000$200000-$250000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 350,000 Slate Shingles Roof 2,160 3 $500- $1000 Deductible 410 3 Stone Siding No
1977 305,000 Composition Roof 1,870 3 > $10,000 Deductible 340 4 Fiber-Cement Siding No
1977 360,000 Shingles Roof 1,660 4 $1000-$2500 Deductible 100 1 Vinyl siding yes
1981 405,000 Slate Shingles Roof 2,180 3 $2500-$5000 Deductible 1100 8 Brick siding No
1974 210,000 Metal Roof 1,230 3 $500- $1000 Deductible 1010 10 Wood siding No
2011 315,000 Wood Shake Roof 1,820 3 $5000 to $10,000 Deductible 850 12 Stone Siding No
1993 675,000 Metal Roof 3,330 4 $2500-$5000 Deductible 1890 8 Wood siding yes
1992 315,000 Composition Roof 2,050 3 $500 Deductible 810 6 Brick siding yes
2006 660,000 Wood Shake Roof 4,190 5 $500- $1000 Deductible 830 3 Stucco siding yes
1996 490,000 Asphalt Shingles Roof 2,560 4 $500 Deductible 2250 10 Stone Siding yes
1988 645,000 Shingles Roof 3,810 5 $500 Deductible 330 1 Stone Siding yes
1991 420,000 Metal Roof 2,110 3 $1000-$2500 Deductible 1080 7 Wood siding No
2012 500,000 Tile Roof 2,990 5 $500- $1000 Deductible 1360 6 Wood siding No
2014 385,000 Metal Roof 2,350 4 $5000 to $10,000 Deductible 660 7 Stucco siding yes
1981 575,000 Wood Shake Roof 2,720 5 $2500-$5000 Deductible 1610 8 Wood siding No
2012 260,000 Asphalt Shingles Roof 1,460 3 $1000-$2500 Deductible 620 6 Brick siding No
1983 330,000 Metal Roof 1,550 3 > $10,000 Deductible 360 4 Stone Siding yes
2003 455,000 Asphalt Shingles Roof 2,530 4 $2500-$5000 Deductible 700 4 Stucco siding No
2006 510,000 Metal Roof 3,030 4 $5000 to $10,000 Deductible 1040 7 Stone Siding yes
1993 300,000 Asphalt Shingles Roof 1,760 3 > $10,000 Deductible 890 12 Wood siding yes
1970 460,000 Shingles Roof 2,350 3 $2500-$5000 Deductible 780 5 Fiber-Cement Siding yes
2007 560,000 Composition Roof 3,630 5 $5000 to $10,000 Deductible 560 3 Fiber-Cement Siding No
1986 705,000 Asphalt Shingles Roof 4,830 5 $500 Deductible 540 2 Brick siding No
2013 300,000 Wood Shake Roof 1,830 4 $1000-$2500 Deductible 1130 9 Fiber-Cement Siding yes
1986 345,000 Shingles Roof 2,090 4 $2500-$5000 Deductible 710 6 Stone Siding yes
1998 310,000 Asphalt Shingles Roof 2,040 3 $5000 to $10,000 Deductible 530 7 Fiber-Cement Siding No
1976 445,000 Composition Roof 2,550 4 $5000 to $10,000 Deductible 1310 12 Brick siding No
1992 710,000 Tile Roof 4,060 5 $5000 to $10,000 Deductible 1040 4 Wood siding No
1981 740,000 Membrane Roof 4,670 5 > $10,000 Deductible 1100 8 Fiber-Cement Siding No
1990 380,000 Shingles Roof 2,180 3 $1000-$2500 Deductible 1760 12 Stucco siding yes
2002 330,000 Slate Shingles Roof 2,070 3 $2500-$5000 Deductible 300 4 Wood siding yes
2003 220,000 Asphalt Shingles Roof 1,360 3 $500- $1000 Deductible 820 9 Vinyl siding No
1974 610,000 Wood Shake Roof 3,470 5 $500 Deductible 750 2 Fiber-Cement Siding yes
2011 350,000 Tile Roof 1,870 3 $2500-$5000 Deductible 640 6 Stone Siding No

Latest Home Insurance Reviews

Allstate
I surely recommend these to all peoples And i will refer to my friends to take these policy
Liberty Mutual
Both companies score similarly on Coverage & Benefits, Pricing & Discounts, Claims Satisfaction & Customer Experience, and Automation.
Travelers
No problems so far, have not had a issue with customer service.
Erie Insurance
The premium and deductible are very good, and If I'm not mistaken are some of the best in the area. We are very fortunate to have such low rates.
Progressive
Our premiums are cheaper than our company's competitors. Our deductible appears to be very similar to others, but is adequate for our needs.
State Farm
My insurance company is a state farm insurance company. i like them because they have a great reputation in my neighborhood.
Nationwide
I believe the monthly price could be more accessible to everyone so we could be able to pay and be safe with no worries.
State Farm
State farm is a great insurance company! they are kind and friendly. they always get back to me on questions very quickly.
Progressive
They are quick at resolving my issues and fixing them, IÃḃ€™m happy that I had them and I really like their service
Erie Insurance
I like that they have a good brand established and are seen as respectful and professional. I like that they offer me discounts when I bundle and present me with options when choosing new policies. They explain so much to me as I have zero knowledge in this area, and neither does my husband.
Progressive
Progressive is slightly less a rip off than many other insurance companies I have had over the last 40 years. What I hate most is the annual premium always is going up. Even though I NEVER make claims like asshole neighbors seem to like doing.
Allstate
Easy to navigate, has all information required for a one-touch application, the point of contact is displayed immediately upon opening the app.
Nationwide
I would always and do recommend our insurance company of local office to others.

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