Suffolk Insurance Rates:

Suffolk, VA homeowners insurance is approximately $632 to $858, about $52-$71/month. Our complete guide reveals consumers can save upto $297 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Average Cost of Homeowners Insurance in Suffolk, VA

The average cost of home insurance in Suffolk, VA, is $930. As a homeowner in Suffolk, Virginia, you know that protecting your home is important. From severe weather to break-ins, there are many risks that your home faces. That's why having a good home insurance policy is so important. A home insurance policy can help protect your home from a variety of risks, including fire, wind damage, theft, and more. It can also help to cover the cost of repairs or replacement if your home is damaged or destroyed.

When it comes to protecting your home, you can never be too careful. In order to secure your largest investment, you should take all necessary precautions before purchasing homeowners insurance. There are several options available when it comes time to get coverage. It is challenging to select the insurance plan that best suits your needs. In Suffolk, VA, searching for homeowners insurance, keep the following points in mind.

1. Cost of Home Insurance Based on the Coverage Level in Suffolk, VA

Your home and other structures on your property are protected against unforeseen events by a package known as coverage. It guarantees the protection of your house, possessions, and other valuables from damage and theft. The cost may vary based on the type of coverage a homeowner chooses. For example, homeowners in Suffolk, Virginia, purchasing coverage of $200K, pay $732 for home insurance. In Suffolk, Virginia, homeowners often pay coverage between $100K and $300K, which cost $391 and $1536, respectively.


2. Cost of Home Insurance Based on the Deductibles in Suffolk, VA

The deductibles you choose in Suffolk, VA, can greatly impact the cost of your home insurance. The lower your deductible, the higher your premium will be. It can be a good way to save on your premium if you can afford a higher deductible. In Suffolk, Virginia, homeowners who choose a $500 low deductible pay $918.84 for homeowners insurance. In contrast, homeowners in Suffolk, Virginia, choose a high deductible of $2500 to pay $667.74 for their house insurance.

3. Cost of Home Insurance Based on the Age of the Home in Suffolk, VA

When it comes to the cost of home insurance, the age of your home in Suffolk, VA, can have a big impact. Older homes are typically more expensive to insure because they are more likely to have problems that need to be fixed. However, if you have a newer home, you may be able to get a discount on your insurance premium. In Suffolk, VA, homes older than 30 and 50 years pay $943.95 and $965.34 for homeowners insurance, respectively. On the other hand, newly built homes are less likely to sustain damage, and home insurance companies give them large discounts. For instance, in Suffolk, Virginia, newly constructed homes may qualify for $697.5 in insurance savings.

Suffolk, VA Homeowners Insurance By Home Value

Suffolk, VA Home Value Total Homes % of Total Average Suffolk, VA Homeowners Insurance
Less than $50,000 925 4.0% $74
$60,000 to $69,999 218 1.0% $193
$80,000 to $89,999 285 1.0% $252
$90,000 to $99,999 289 1.0% $282
$100,000 to $124,999 833 4.0% $327
$125,000 to $149,999 996 5.0% $409
$150,000 to $174,999 1,697 8.0% $483
$175,000 to $199,999 1,838 9.0% $558
$200,000 to $249,999 4,086 21.0% $669
$250,000 to $299,999 3,526 18.0% $818
$300,000 to $399,999 4,384 22.0% $1041

Top Home Insurance Agents Near Suffolk, VA

Home Insurance Company Near Suffolk, VA Homeowners Insurance Agency Near Suffolk, VA Address
Nationwide James D. Elliott 412 W Queen St, Edenton, NC, 27932-0974
State Farm Paula Boyd 4910 W Mercury Blvd, Hampton, VA, 23666-3724
State Farm Shelton Lucas 70 W Mercury Blvd Ste 201, Hampton, VA, 23669-2571
Nationwide Villanueva Agency Ltd 11024 Warwick Blvd, Newport News, VA, 23601-3229
Travelers Young Ins Agency Group Inc 808 NORTH EDEN WAY STE 101, CHESAPEAKE, VA, 23320

Suffolk, VA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Suffolk, VA

Streets in Suffolk Area Homeowners Insurance Cost
Dutch Rd, Bond Ln, Bidwell St, Watts St, State Rte 10, Greenway Rd, Cedar Ct, Reno St, Eberwine Ln, Katherine St$704
Great Fork Rd, Stonegate Way, S Bay Hill Ct, Newport St, Elizabeth St, Clarys Dr, Central Ave, Dill Rd, Bridge Point Trl, Sumner St$709
US Hwy 13, Mill Brook Ct, Pelham Pl, State Rte 189, Co Rd 615, York Ct, Co Rd 650, Kenyon Rd, Erin Dr, Co Rd 653$744
Jouster Way, O'Brien Ct, Culloden St, Castle Ct, Duke of Norfolk St, Upton Pl, Woodlake Ter, Larry Anne Dr, Heritage Dr, Roy St$740
Portsmouth Blvd, Co Rd 644, Whichard Rd, Co Rd 649, Manning Rd, Cross St, Art Ray Dr, Woodberry Cres, Camel Back Ct, Gays Row$741
Lockwood Cir, Co Rd 688, Co Rd 658, Kinsey Ln, Deborah Dr, Cheriton Ln, Wilson Ct, Freeman Ave, Griffin Ln, Airport Rd$716
Ferguson Pl, Fennell Ln, Edward Ave, Michael Dr, General Pickett Dr, Coachhouse Ct, Saint James Ave, Brittle Dr, Partridge Pl, Pine St$753
Traverse Cir, Webb St, Morgan St, Grayson Ct, Purple Martin Ln, Holly Point Ln, Lewis Ave, Green Spring Dr, Everhart Ct, Cantering Ct$713
Colonial Dr, Oyster Creek Dr, Amberly Ct, Driver Point Ct, Cushing St, Wake Forest Ct, Nicklaus Dr, Barka Dr, Co Rd 637, John Deere St$744
Pitchkettle Point Cir, Oak Island Rd, Huntsman Ct, River Point Dr, Fawn Ct, Elenor St, Bob White Pkwy, Aspen Ct, Manning Rd, Chestnut St$741

Suffolk, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Suffolk$111 to $114

Suffolk, 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
Windsor district, Isle of Wight County, Virginia $92 $122 $183
Haslett township, Gates County, North Carolina $75 $99 $149
Camptown CDP, Virginia $86 $115 $172

Suffolk, 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
Suffolk, VA3.3%12.9%

Suffolk Renters Insurance as a Percentage of Rent

Suffolk Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 244 3.0% $334
$200 to $299 299 4.0% $784
$300 to $499 286 3.0% $1234
$500 to $749 1,258 17.0% $1909
$750 to $999 1,721 23.0% $2659
$1,000 to $1,499 2,403 32.0% $3784
$1,500 or more 1,111 15.0% $5434

Suffolk, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Suffolk Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$1,400$4,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,000$13,500
Net Savings to Suffolk Home Owner from High Deductible Plan $500

Suffolk, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Suffolk, VA Home Replacement Value MORE than Home Value Suffolk, VA Home Replacement Value LESS than Home Value
Replacement Value $246,000 $199,000
Insurance Premium based on Replacement Value $1,150 $925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $125/year

Example Suffolk Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateErie InsuranceAmica Mutual Insurance Company
Monthly Premium 597879
Year Built 198220111994
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$200000-$250000$350000-$400000
Deductible > $10,000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 245,000 Asphalt Shingles Roof 2,110 3 > $10,000 Deductible 460 10 Stucco siding yes
2008 415,000 Slate Shingles Roof 3,090 4 $500- $1000 Deductible 470 3 Brick siding yes
1980 575,000 Tile Roof 3,650 5 $2500-$5000 Deductible 320 2 Stone Siding No
1991 290,000 Slate Shingles Roof 2,330 3 $2500-$5000 Deductible 260 4 Stone Siding No
1981 210,000 Slate Shingles Roof 1,670 5 $5000 to $10,000 Deductible 100 2 Wood siding No
1988 380,000 Tile Roof 3,180 4 $1000-$2500 Deductible 1600 9 Wood siding No
2004 280,000 Asphalt Shingles Roof 2,020 3 $500 Deductible 250 2 Brick siding No
1994 170,000 Wood Shake Roof 1,520 5 $500- $1000 Deductible 450 9 Wood siding No
2014 280,000 Slate Shingles Roof 1,970 3 $500 Deductible 1130 7 Fiber-Cement Siding yes
2013 365,000 Shingles Roof 3,220 4 $500 Deductible 750 6 Stone Siding No
1980 195,000 Slate Shingles Roof 1,830 4 $500- $1000 Deductible 250 3 Wood siding yes
1986 205,000 Shingles Roof 1,840 5 $2500-$5000 Deductible 520 8 Vinyl siding yes
2011 285,000 Wood Shake Roof 2,410 4 $2500-$5000 Deductible 340 4 Fiber-Cement Siding No
1999 325,000 Tile Roof 2,060 3 $2500-$5000 Deductible 810 9 Stucco siding No
1981 295,000 Membrane Roof 2,590 5 $5000 to $10,000 Deductible 510 6 Stucco siding yes
2011 405,000 Asphalt Shingles Roof 2,920 4 $500 Deductible 750 5 Stone Siding No
1984 455,000 Tile Roof 3,660 5 $5000 to $10,000 Deductible 1250 9 Stucco siding yes
1983 265,000 Slate Shingles Roof 1,820 4 $500 Deductible 1010 8 Fiber-Cement Siding yes
2005 575,000 Slate Shingles Roof 4,270 5 > $10,000 Deductible 410 3 Wood siding yes
2005 520,000 Tile Roof 3,270 5 $500- $1000 Deductible 940 5 Stucco siding No
2012 320,000 Asphalt Shingles Roof 2,350 5 $5000 to $10,000 Deductible 230 2 Stone Siding yes
2012 380,000 Membrane Roof 2,460 5 $5000 to $10,000 Deductible 290 3 Vinyl siding yes
2008 665,000 Membrane Roof 4,770 5 $500- $1000 Deductible 920 3 Vinyl siding No
2013 315,000 Slate Shingles Roof 2,140 3 $2500-$5000 Deductible 590 5 Stone Siding No
2009 390,000 Wood Shake Roof 3,080 4 > $10,000 Deductible 780 8 Brick siding yes
2010 215,000 Wood Shake Roof 1,410 3 > $10,000 Deductible 140 3 Stucco siding No
1987 210,000 Wood Shake Roof 1,640 3 > $10,000 Deductible 130 3 Stone Siding No
1993 230,000 Asphalt Shingles Roof 1,890 4 $500- $1000 Deductible 400 4 Brick siding No
1996 240,000 Composition Roof 1,810 4 $2500-$5000 Deductible 70 1 Brick siding yes
2008 395,000 Metal Roof 2,980 4 > $10,000 Deductible 1450 12 Stone Siding yes
1990 500,000 Composition Roof 3,760 5 $1000-$2500 Deductible 580 3 Brick siding No
2014 155,000 Composition Roof 1,370 3 $5000 to $10,000 Deductible 120 3 Stone Siding yes
2010 255,000 Shingles Roof 1,740 3 $1000-$2500 Deductible 1330 12 Vinyl siding No
1982 210,000 Membrane Roof 1,400 3 $1000-$2500 Deductible 190 2 Stone Siding No
1989 155,000 Metal Roof 1,453 3 $500 Deductible 620 8 Stone Siding yes

Latest Home Insurance Reviews

Safeco Insurance
Our deductible with Safeco is the same as it was with State Farm but our premiums went down by about 20%. I am really happy with our deductible.
State Farm
I would rate State farm home insurance as a 4 out of 5. They have great customer service and reasonable rates.
Erie Insurance
Overall, Erie provides high quality policies. They meet our needs, have good coverage, and are easy to understand. There is not a lot of legalese in their explanations that I was able to comprehend everything.
State Farm
I would recommend the company hands down, i feel it always nice to be with a big insurance provider but work with the local branch and have3 a good working relationship with them.
surely I recommended this home insurance company because this is very well and best quality and support all their customers, and good working.
State Farm
State Farm is an excellent company and had alwaysbeenavailable and ready to meet our home owner needs
Erie Insurance
We have researched a few home insurance companies in the area and were very happy with the rate that Eerie offered for what we were wanting covered.
Farmer's Insurance
Farmers customer service was nothing but helpful and knowledgeable when I was switching from liberty mutual to Farmers insurance compnay.
I would recommend Progressive for home insurance to anyone who asked. They're rates are good, they will give a discount if you "bundle" with auto insurance, and they seem like a well run organization with friendly and helpful employees.
Liberty Mutual
their rule and regulation is very simple, they are not strict in dealing with people, they take people opinion into consideration before lay down the rules.
Erie Insurance
My insurance gives me discounts for staying with them so long. I believe they spend more time in comparing companies to give me the best rates. If an accident occurs, they explain what will happen and the best way to take care of this.
State Farm
I would recommend State Farm , because they are affordable, have great costumer service, and have a wide coverage policy. Their agents take the time to make sure you understand your policy and other companies do not do that.
Getting in touch with my agent at the insurance company is not easy. every time a question arises, i have to leave a message and wait at least a few hours for a return call.
I like that i can make my payments online. it is very convenient to make my same day payment either online or thru auto-pay.
Farmer's Insurance
Every person i have talked to has been super helpful when i have had questions or concerns about my policy and what is covered or how much it costs.
Farmer's Insurance
I have not had any issues with the customer service dept. with farmers. I contact my agent if I have any issues. He gets back to me quickly to resolve any issues,
American National Property And Casualty Company
I like the fact that they are an insurance company, but I don't really know that much more about them. They seem very obscure and hard to reach except when they want something.
Erie Insurance
I have not used my insurance company's website. I visited the website so I know that it does exist; however, I have not had to file a claim with this company and do all changes in coverage via telephone
American Home Insurance
The customer service is speedy, responsive and always on the ball, doing consistent follow-ups via email as well.
Liberty Mutual
If it could be less expensive, although overall I'm satisfied with the premium I receive as it compares to other insurance companies.
I would recommend my company as providing affordable and comprehensive insurance coverage and for putting my coverage into easy to understand terms.

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