Newport News Insurance Rates:

Newport News ,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 Newport News, 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 Newport News, VA is $1420. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Newport News, VA: Customer-Reviewed Options

 

Newport News, VA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Newport News, VA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Newport News, VA.

Coverage Level Average Annual Premium
$100,000 $568
$200,000 $966
$300,000 $1,193
$400,000 $1,818
$500,000 $2,286

 

Newport News, VA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Newport News 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
023606 $1,367
23602 $1,353
23603 $1,366
23608 $1,344
23601 $1,343
23605 $1,316
23607 $1,302

 

Newport News, VA Homeowners Insurance Deductibles

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 Newport News, VA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,456
$1000 Deductible $1,302
$1500 Deductible $1,228
$2500 Deductible $1,108
$5000 Deductible $937

 

 


Top Home Insurance Agents Near Newport News, VA

Home Insurance Company Near Newport News, VA Homeowners Insurance Agency Near Newport News, VA Address
NA Owen Insurance Agency, Llc 507 N 4Th Avenue, Hopewell, VA, 23860
Travelers Insurance Agency Services Llc 23507 JERUSALEM RD, COURTLAND, VA, 23837
Allstate Logan Wease 107 Bulifants Blvd Ste C, Williamsburg, VA, 23188
Nationwide Robertson Insurance Agency Co. 3213 Virginia Beach Blvd, Virginia Beach, VA, 23452-5725
State Farm Ronnie Vigneault 211 E City Hall Ave Ste 14, Norfolk, VA, 23510-1727

Newport News, VA Home Insurance Agents for Top Companies

 

Newport News, 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
Newport district, Isle of Wight County, Virginia $95 $127 $190
Rushmere CDP, Virginia $92 $123 $184
Smithfield town, Virginia $94 $125 $188

 


Newport News, 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
Newport News, VA4.0%12.3%
Newport3.21%12.83%
Rushmere4.99%15.91%
Smithfield3.41%13.51%

Newport News Renters Insurance as a Percentage of Rent

Newport News Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,103 3.0% $340
$200 to $299 1,073 3.0% $790
$300 to $499 1,594 4.0% $1240
$500 to $749 4,265 12.0% $1915
$750 to $999 9,980 30.0% $2665
$1,000 to $1,499 11,251 34.0% $3790
$1,500 or more 3,560 10.0% $5440

Cost Of Homeowners Insurance By Street Near Newport News, VA

Streets in Newport News Area Homeowners Insurance Cost
Polly Ct, Topsider Ct, Gunby Rd, Cameron Dr, Sea Pine Ln, Hardwick Rd, Garland Dr, Hughes Dr, Traverse Rd, Triton Ct$735
Lowry Pl, Dana Cir, Cherbourg Dr, 50th St, Mainsail Dr, Sandra Dr, Marina Ln, Patton Ave, Pendleton St, Lake Forest Dr$738
Wilson Ln, Sparrow Ct, Brookfield Dr, de Gaule St, Stony Ridge Ct, Radcliff Ln, Wilderness Way, State Rte 171, E Governor Dr, Sternberg Ave$None
Towne Square Dr, Miles Cary Rd, Westport Cres, Marcus Dr, Barney Ct, Spring Trace Ln, Owens Rd, Hudson Pl, Jacobs la, Milford Rd$771
Waverly Pl, Turlington Rd, Westover Rd, Morrison Ave, Commodore Dr E, Woodfin Rd, Loyal Ln, Belvedere Dr, Nantucket Pl, Nadine Pl$749
Cole Ln, Sheffield Way, May Ct, Monica Dr, State Rte 152, Westview Dr, Poindexter Pl, Ridgewood Pkwy, Brenda Rd, Industrial Park Dr$735
Henry Lee Rd, 14th St, Mistletoe Dr, Charles St, Tindall Ct, 13th St, Bernardine Dr, Meeting Rd, Lou-Mac Ct, Lighthouse Way$778
Center St, Belle Cir, Chandler Pl, Citation Dr, Pine Mill Ct, Spur Dr, Brighton Cir, Hancock Dr, Mandy Trl, Myles Ct$741
Wilmont Ln, 17th St, Finch Pl, Wreck Shoal Dr, Friedman Pl, Darrington Ct, Pennington Ave, Ashford Pl, Cedar Ave, 31st St$739
de Vol Dr, Drake Ct, Selkirk Dr, Wendwood Dr, Liberty Cir, S Cedar Ct, Gilford Ct, Lancaster Ln, Mac Neil Dr, Normill Lndg$740

Newport News, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Newport News$109 to $111
Newport$114
Rushmere$110
Smithfield$112

Newport News, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Newport News Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,400$10,200
Net Savings to Newport News Home Owner from High Deductible Plan $1,200

 


Newport News, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Newport News, VA Home Replacement Value MORE than Home Value Newport News, VA Home Replacement Value LESS than Home Value
Replacement Value $361,500 $207,000
Insurance Premium based on Replacement Value $1,700 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $84,500 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $400/year

 


Example Newport News Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceChubb Group of Insurance
Monthly Premium 39135153
Year Built 198820001970
Home Details 2 Beds, 1 Baths5 Beds, 3 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$400000-$500000$400000-$500000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible