Virginia Beach Insurance Rates:

Virginia Beach, VA homeowners insurance is nearly $640 to $865, about $53-$72/month. Our in depth guide shows customers can save as much as $301 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Multi-policy discounts help so much. we were able to add our vehicles and get another discount. adding another vehicle for such a low price was amazing.
State Farm
My insurance company is constantly making mistakes. i am always having to call in to get them to correct stuff that they have got wrong.
State Farm
I love how personable the agent and his team are. they have worked with our family for many years and include special touches, like holiday greeting cards, in their care for us.
Nationwide
The last time I used it, I had trouble logging in because they were in the process of migrating customers to a new platform but didn't clearly indicate which one I should have used. So...I couldn't even get into the site.
Nationwide
The premium for my combined policies excellent in the coverage is better than I would have expected for a company offering the policies they did in my area.
State Farm
We have not had any problems with the company, their representatives, the service- nothing. We have not been a position where we needed to file a claim yet, so we aren't familiar with that process or how it all works but we have developed a good relationship with the representative, that we feel comfortable going to him if we have any problems of claims to file
Farmer's Insurance
They are very friendly and is always willing to help us when we go in to see her. She is always looking for ways to save us money and also give us tips on things the company is looking for us to do with our home to optimize our coverage.
Nationwide
I have disliked the "agent" and not the company. I have had nationwide homeowners insurance on another home that I owned for almost 15 years. I have never had a problem as I do now with the agent selected.

Virginia Beach, VA Homeowners Insurance By Home Value

Virginia Beach, VA Home Value Total Homes % of Total Average Virginia Beach, VA Homeowners Insurance
Less than $50,000 2,403 2.0% $67
$100,000 to $124,999 1,911 2.0% $301
$125,000 to $149,999 3,287 3.0% $376
$150,000 to $174,999 5,952 7.0% $444
$175,000 to $199,999 8,593 10.0% $512
$200,000 to $249,999 21,564 25.0% $617
$250,000 to $299,999 18,851 22.0% $760
$300,000 to $399,999 20,410 24.0% $963

Top Home Insurance Agents Near Virginia Beach, VA

Home Insurance Company Near Virginia Beach, VA Homeowners Insurance Agency Near Virginia Beach, VA Address
Travelers Budget Insurance Agency 110 DARE RD STE D, YORKTOWN, VA, 23692
State Farm David Borland 1490 Quarterpath Rd Ste 5D, Williamsburg, VA, 23185-6544
State Farm Garry Price 1515 N Military Hwy, Norfolk, VA, 23502-1837
Travelers Insurance Agency Services Llc 1057 PRINCESS ANNE BLVD, VIRGINIA BEACH, VA, 23457
Nationwide Mayo Insurance Agency Inc 1917 Laskin Road STE 101, Virginia Beach, VA, 23454-4283

Cost Of Homeowners Insurance By Street Near Virginia Beach, VA

Streets in Virginia Beach Area Homeowners Insurance Cost
Rip Rap Ct, Hillsboro Quay, Lee Rd, Fort Belvoir Dr, Chatham Ln, Industrial Park Rd, Cheval Cir, Gates Landing Rd, Trapelo Ct, Twohy Ln$745
Brices Ln, Larkins Lair Ct, Seaboard Rd, Brockie Cir, Boxhill Rd, Corvette Ln, Spencer Ct, Grand Cir, Kirkwood Ln, Sunstream Pkwy$737
Constitution Dr, Magnolia Run Cir, 27 1/2 St, Level Green Ct, Crane Cres, Handcross Way, Applewood Ln, Camrahn Bay Rd, Gadwall Pl, Capot Rd$744
Teal Duck Ct, Urban Ct, Smokehouse Rd, Frazier Ln, Marian Ln, Barcelona Ct, Malcom Ct, Taylor Farm Ct, Hannah Ln, Mojave Ct$741
Battery Rd, Lord Seaton Cir, Trumpet Vine Ct, Locust Grove Ln, Timber Run, Cedar Ln, Condor St, Wysong Ct, 49th St, Houdon Ln$725
Bracken Ct, Nawney Creek Rd, Wilson Creek Rd, Chatterton Dr, Essex Ct, Cranston Ln, Grey Friars Chase, Athens Blvd, Belmont Ct, Landstown Rd$764
Furrow Reach, Lateener Ct, Executive Blvd, Sunland Dr, Coffee Ct, Saw Mill Ct, St Davids Pl, Fieldstone Cir, Whiteface Cir, Peony Arch$757
Bancroft Dr, 30th St, Vincent Ct, Petite Ct, Laurie Ct, Sir Barton Dr, Vantage Pt, Laurel Ln, Anoka Ave, Verano Ct$761
Windsor Lake Pl, Rutland Dr, Caddoan Turn, Sutton Pl, Woods Edge Rd, Fence Post Ct, Hearthside Ln, Strawflower Ct, Westhaven Cres, Banyan Dr$760
Bordeaux Ct, Sedgefield Ave, Glen Ellert Ct, Siena Ct, Mary Lou Ct, Arvida Ln, Hunt Necks Ct, Conestoga Rd, Burton Station Rd, Haden Rd$765

Virginia Beach, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Virginia Beach$112 to $114
Norfolk$109
Chesapeake$112
Portsmouth$108

Virginia Beach, 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
Norfolk city, Virginia $92 $122 $183
Chesapeake city, Virginia $94 $125 $187
Portsmouth city, Virginia $91 $121 $181

Virginia Beach, 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
Virginia Beach, VA3.4%11.0%
Norfolk3.72%11.57%
Chesapeake3.3%11.7%
Portsmouth4.0%11.65%

Virginia Beach Renters Insurance as a Percentage of Rent

Virginia Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 730 1.0% $1230
$500 to $749 2,127 3.0% $1905
$750 to $999 10,767 19.0% $2655
$1,000 to $1,499 26,705 47.0% $3780
$1,500 or more 14,576 26.0% $5430

Virginia Beach, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Virginia Beach Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,700$8,900
Net Savings to Virginia Beach Home Owner from High Deductible Plan $800

Virginia Beach, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Virginia Beach, VA Home Replacement Value MORE than Home Value Virginia Beach, VA Home Replacement Value LESS than Home Value
Replacement Value $252,000 $198,000
Insurance Premium based on Replacement Value $1,250 $1,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

Example Virginia Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateLiberty Mutual
Monthly Premium 11477137
Year Built 201420041985
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $300000-$350000$250000-$300000$300000-$350000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 450,000 Shingles Roof 2,850 4 $500 Deductible 830 5 Stucco siding No
1985 450,000 Asphalt Shingles Roof 3,230 4 > $10,000 Deductible 1160 12 Stone Siding No
1982 320,000 Metal Roof 2,250 4 $1000-$2500 Deductible 1120 10 Stone Siding No
2012 180,000 Shingles Roof 1,490 3 $2500-$5000 Deductible 520 9 Brick siding No
2013 330,000 Membrane Roof 2,410 4 $1000-$2500 Deductible 240 2 Wood siding yes
1977 445,000 Asphalt Shingles Roof 2,610 4 > $10,000 Deductible 110 1 Wood siding No
2012 640,000 Metal Roof 4,840 5 $5000 to $10,000 Deductible 1720 9 Stucco siding yes
1985 235,000 Asphalt Shingles Roof 1,540 3 $1000-$2500 Deductible 520 7 Stone Siding No
1985 495,000 Shingles Roof 3,080 4 $5000 to $10,000 Deductible 410 4 Stone Siding No
1988 465,000 Metal Roof 3,420 5 > $10,000 Deductible 1200 12 Wood siding No
1980 490,000 Asphalt Shingles Roof 4,280 5 $1000-$2500 Deductible 190 1 Vinyl siding yes
2004 325,000 Composition Roof 2,215 4 $2500-$5000 Deductible 1060 8 Wood siding yes