Midlothian, VA Home Insurance - Analysis On Quotes, Rates & Agents

Midlothian, VA Insurance Rates:

Homeowners need to compare different quotes to find the best home insurer suitable for their needs. The following analysis by vHome Insurance in Midlothian, VA helps consumers in making better choices. Enter your Zip Code in the banner below to get home insurance quotes. vHome Insurance undertook a detailed analysis of the cost of insurance inMidlothian, VA.

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Average Home Insurance Premium in Midlothian, VA

National Average Premium State Average Premium Midlothian Average Premium
$1,438 $952 $982

Top Home Insurance Companies in Midlothian, VA | Back to Top

It is essential to find home insurers that provide the best insurance quotes. vHomeInsurance has rounded up the top home insurance companies in Midlothian, VA.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Safeco $831 $997 $1,296 $1,788
Erie Insurance $1,145 $1,374 $1,786 $2,465
Nationwide $1,076 $1,292 $1,679 $2,317
Travco $894 $1,072 $1,394 $1,924

Midlothian, VA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 312.4
$150,000 To $174,999 481.1
$175,000 To $199,999 578.13
$200,000 To $249,999 676.7
$250,000 To $299,999 1,078.29
$300,000 To $399,999 1,432.49
$400,000 To $499,999 1,772.63
$500,000 To $749,999 2,268.97
$750,000 To $999,999 2,623.5
$1000,000 To $1499,999 2,889.39
$1500,000 To $2000,000 3,102.11

Visual Guide for Midlothian, VA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Midlothian, VA | Back to Top

Home Insurance Company Near Midlothian, VA Homeowners Insurance Agency Near Midlothian, VA Address
Travelers Bankers Insurance Llc 700 E MAIN ST SUITE 1411, RICHMOND, VA, 23219
Travelers Riggs Counselman Michaels & Downes Inc 4200 INNSLAKE DR STE 303, GLENN ALLEN, VA, 23060
Allstate Wendy Carter 9102 Rutland Greens Way Ste E, Mechanicsville, VA, 23116
Allstate Wendy Carter 3440 Lauderdale Dr, Richmond, VA, 23233

List of Midlothian, VA Home Insurance Agents by Companies

Midlothian, VA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Midlothian, VA homeowners who have no previous history of filing for claims are eligible for a discount of $117.84. Midlothian, VA homeowners who have filed one claim previously have to pay an additional home insurance premium of $69, while homeowners who have filed 2 claims previously have to pay an additional $137 on their home insurance rate.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -118 864
One Claim +69 1,051
Two Claim +137 1,119

Midlothian, VA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
23113 408,600 933
23112 252,400 943

Factors Affecting Home Insurance Premiums in Midlothian, VA

The average home insurance premium in Midlothian, VA is $982. There are multiple factors that affect home insurance rates in Midlothian, VA. vHome Insurance lists the factors that could help homeowners in Midlothian, VA reduce their homeowners insurance rates.

Midlothian, VA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 411
3 Bedroom 770
4 Bedroom 1,644
5 Bedroom 1,746

Midlothian, VA Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners in Midlothian, VA who pay a low deductible of $500 pay a higher rate on their home insurance premium, while Midlothian, VA homeowners who pay a deductible rate as high as $2500 pay a lower rate on their home insurance premium, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 970
$1000 Deductible 878
$1500 Deductible 826
$2000 Deductible 750
$2500 Deductible 705

Midlothian, VA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Midlothian, VA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 697
Year 30 Old 997
Year 40 Old 1,008
Year 50 Old 1,019
Above Year 50 1,029

Midlothian, VA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 118 864
Masonry 49 933
Brick 49 933
Superior 88 894
Hail Resistant Roof 29 953

Top Saving Tips on Midlothian, VA Homeowners Insurance | Back to Top

Home insurance companies tend to provide discounts to homeowners based on the construction type of the home. Midlothian, VA homes that are resistant to damage attract more discounts from home insurers. Midlothian, VA homeowners who have bundled their auto insurance and home insurance policies pay lower home insurance premiums. Senior citizens also receive additional discounts from home insurers, in addition to standard discounts. Midlothian, VA homes equipped with safety devices earn substantial discounts, as they are less prone to burglaries.

The tables below contain the complete list of discounts that Midlothian, VA homeowners can take advantage of to increase their savings.

Midlothian, VA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 187 795
Retiree Discount (Senior Citizen Discount) 137 1,119
Newly Constructed Home 285 697

Midlothian, VA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 108 874
Fire Extinguishers 79 903
Smoke Detectors 98 884
Sprinkler System 59 923
Fire Alarm 59 923
Burglar Alarm 88 894
Lightning Protection 29 953

Latest Home Insurance Reviews

Erie Insurance
I would quickly recommend Erie Insurance company in Laurinburg for any of your homeowner service needs. They are very reputable and have a great home town feel with excellent customer service and reasonable rates.
State Farm
I think that the premium is about the same across the board and we get a discount since we have home and auto insurance.
Farmer's Insurance
i have had no issues with my agent. They call annually to go over my coverage to make sure it is right for our family.
I love the geico app. i have my car insurance and home insurance all in one place. can access the details of my policy quickly and easy. also, the customer service has been good when i've reached out to customer service reps.
I don't like that my company does not accept credit card payments. i think things would be a lot more easy and enticing if they did.
State Farm
I like state farm, because they are reliable. i may pay more than the average person, but i receive a great service provided.
Erie Insurance
I like that they have a portal that current customers can login to in order to get information on their account. You can also request service on the website.
State Farm
Progressive talks a good game about saving me money but in the end it is a big rip off since I pay and pay for nothing.
I've only had to contact them once since purchasing my home and the person I spoke with was very friendly and informative on the question I had.
I receive an email from them at least once a month that sometimes shows me new offers or deals that they have available. At other times, usually 2-3 times a year, my insurance agent reaches out to me directly (on a personal level) to make sure that everything is okay, that we are doing well, and that we are happy with our policy. They do not spend ridiculous amounts of emails or postal mail.
The Hartford
I haven't really had to deal with customer service for the company yet. I signed up through a broker and didn't have much interaction with them.