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

Norfolk, VA Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Norfolk, VA. The average cost of insurance in Norfolk, VA is $860. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Norfolk, VA

National Average Premium State Average Premium Norfolk Average Premium
$1,438 $952 $860

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

The following is a list of home insurance companies that provide the best home insurance quotes in Norfolk, VA.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Safeco $800 $960 $1,248 $1,722
Nationwide $1,128 $1,353 $1,759 $2,427
Safeco $1,043 $1,251 $1,627 $2,245
Travco $894 $1,072 $1,394 $1,924

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

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 509.42
$150,000 To $174,999 658.97
$175,000 To $199,999 786.18
$200,000 To $249,999 961.37
$250,000 To $299,999 1,285.86
$300,000 To $399,999 1,849.08
$400,000 To $499,999 2,148.49
$500,000 To $749,999 2,750.07
$750,000 To $999,999 3,179.77
$1000,000 To $1499,999 3,502.04
$1500,000 To $2000,000 3,759.86

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

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

Home Insurance Company Near Norfolk, VA Homeowners Insurance Agency Near Norfolk, VA Address
Liberty Mutual Independent Bell Insurance Agency Corporation 3213 VIRGINIA BEACH BLVD, VIRGINIA BEACH, VA, 23452
Travelers Beskin & Associates Inc 300 Southport Circle Virginia Beach, Virginia Beach, VA, 23452
Farmers Krystal Jones-Dent 5900 E Virginia Beach Blvd Ste 204, Norfolk, VA, 23502
Nationwide Robertson Insurance Agency Co. 5441 Virginia Beach Blvd STE 108, Virginia Beach, VA, 23462
Farmers Travis Mansell 4968 Euclid Rd Ste E, Virginia Beach, VA, 23462

List of Norfolk, VA Home Insurance Agents by Companies


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

A discount of $120.4 on the home insurance premium is offered to Norfolk, VA homeowners who have no previous history of claims filed, Norfolk, VA homeowners with one claim have to file an additional home insurance rate of $69, while Norfolk, VA homeowners with 2 claims have to pay $103 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -120 740
One Claim +69 929
Two Claim +103 963


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

Zip Code Median Home Value($) Home Insurance Cost($)
23507 390,400 808
23510 369,700 826
23508 328,000 834
23517 287,700 817
23505 227,900 817
23518 222,600 872
23503 215,000 871
23502 202,600 834
23509 180,900 870
23504 176,500 808
23523 169,500 870
23513 167,200 870

Factors Affecting Home Insurance Premiums in Norfolk, VA

Norfolk, VA homeowners pay an average home insurance premium of $860. Homeowners in Norfolk, VA can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

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

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 391
3 Bedroom 732
4 Bedroom 1,562
5 Bedroom 1,660

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

Norfolk, VA Homeowners with a deductible of $500 pay a higher amount for home insurance, while Norfolk, VA homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 850
$1000 Deductible 769
$1500 Deductible 724
$2000 Deductible 657
$2500 Deductible 617

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

Homeowners in Norfolk, 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 611
Year 30 Old 873
Year 40 Old 882
Year 50 Old 893
Above Year 50 901

Norfolk, 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 86 774
Masonry 43 817
Brick 43 817
Superior 77 783
Hail Resistant Roof 17 843

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

Norfolk, VA Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Norfolk, VA Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Norfolk, VA homeowners receive attractive discounts from home insurance companies.

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

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

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 138 722
Retiree Discount (Senior Citizen Discount) 120 980
Newly Constructed Home 249 611

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

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 77 783
Fire Extinguishers 69 791
Smoke Detectors 77 783
Sprinkler System 69 791
Fire Alarm 60 800
Burglar Alarm 77 783
Lightning Protection 17 843

Latest Home Insurance Reviews

State Farm
i love it. cost is great when compared with others, customer service is on point. a four for the customer service.
State Farm
its the best home insurance company,that is pocket friendly and sure customer service that is reliable,customer service that is quick and generally good service to the client.
Geico
I have dwelling coverage, personal property coverage, liability coverage along with flooding insurance because of the area that I live in. For me it all comes down to cost.
Progressive
They cover additional items like the lines connected to the house and not just the items within. This may come in handy if we have an issue with our older home and is good to have.
Farmer's Insurance
I am rating my current company a 1 because of the mishap that occurred in 2016 where they threatened to cancel my policy over their own mistake. I am highly dissatisfied with their company and service.
Erie Insurance
I am completely satisfied. They offer everything that we need and we did a great deal of price shopping and they were the lowest price for what was offered.
Progressive
The premium was about 10% less than anywhere else for identical coverage and deductible for this policy. We received a discount for bundling with car insurance which made it less money than anywhere else.
State Farm
I haven't looked at other providers to be able to compare deductibles or prices. I'm happy with the service I get, it's reasonably priced, so I'm good.
Geico
It is very low with Geico. I originally thought I was going to have to pay around $500 a year for the premium, but it was around $400. And the deductible is about $2,500, which is standard.
Progressive
it is a good company. their rates are very good. i have never had to call upon them but they communicate with me and make things easy for me. i rate them 4 our of 5
Esurance
Compared to other insurers in my area and online I found that Esurance offered exactly what I was looking for at a price I could afford.
Liberty Mutual
They seem to offer items that are appropriate to the situation. They are able to give me items that I need on my policy.
Travelers
I think all policies are pretty similar but Travelers seemed to offer the most for the price.
State Farm
I would say I am very satisfied with the customer service so far. Any time we have had a question they are always quick to answer the phones and provide the answers we are seeking
State Farm
I like that i can access my account online and change things when i need to, without having to call the office.
Farmer's Insurance
The farmers insurance is bad service, it is too slow service when the door of my house was broken by the auto.
Geico
Geico is the cheapest insurance provider i have ever dealt with. they always have great pricing no matter what you are paying for.
National General
Great customer service. Very fair about covering claims.
Nationwide
I have never had an issue with their service. Just recently we filed an insurance claim. They walked us through every step of the way. They stayed in contact with me and were very helpful. I could not have been more pleased.
Progressive
It is a very good company with the good representative who understands your need as an insurance buyer.
State Farm
We hear good things about this company and the premiums are into low monthly payments and we have not had to claim anything at this time so overall we have good things to say but because our interactions have been limited.
Erie Insurance
Erie is very prompt to address claims. Their customer service is compassionate, understanding and willing to explain existing coverage and how to file a claim. They are also very willing to advise on situations that may be better suited to paying out of pocket rather than filing a claim.
Erie Insurance
I like the customer service because the company is local so it is easy to just go to the location and talk with them face to face.
State Farm
I dislike the home insurance portion on its claims. They try hard not to help you with the some repairs.
Erie Insurance
Erie has been great for us; although the rates are a tad higher than other companies, the company has treated us well and covered our property for anything we have needed.
Erie Insurance
I dislike the high premiums. I would consider changing companies if I wasn't happy with the claims service. I dislike that I can't pay the premiums with a credit card.
State Farm
Overall State Farm has been a great insurance company. Until recently, all we did was send them a check. Our claim experience was good and better than most of our friends.
Allstate
I have told people that I have been happy with my company. Can not recommed any company without having to experence filing a claim, anc seeing how it is handled.
Erie Insurance
They are one of the top insurance companies in the nation. The company genuinely cares about their customers and will go above and beyond to make sure their experience is one to remember.
State Farm
I would definitely recommend this insurance company to others. I find them to be fair on pricing, decent to interact with and over all a good deal.
Nationwide
I have not had to use the insurance yet, so it's hard to know what it would be like. But they have continually jacked up prices as the years have gone on that in the next few months.
Progressive
I pretty much enjoy everything the company has to offer. The overall professionalism they display is unmatched by any other company out there.
Allstate
I like the fact the app and website are easy to use and I also like being treated well and I think as far as policy price goes I have a good rate.
Geico
i love how the company treats the clients overall in that they care about what sort of coverage we need in order to be able to fully be covered at all times
State Farm
I would recommend this company because they are really fast when processing claims. They Agents care about the customers and try their best to make sure.