Winchester Insurance Rates:

Winchester, VA homeowners insurance is about $629 to $856, about $52-$71/month. Our comprehensive guide indicates shoppers can save upto $296 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I think where allstate really shines is with customer service and it's really nice interactive website that has plenty of available resources only a click away.
American Modern Home Insurance
They charge you automatically from your card and you to make sure you have money each month in your account.
Travelers
Their online interface is easy to use and very easy to navigate whenever i need to use it for bill pay.

Winchester, VA Homeowners Insurance By Home Value

Winchester, VA Home Value Total Homes % of Total Average Winchester, VA Homeowners Insurance
Less than $50,000 162 3.0% $74
$60,000 to $69,999 49 1.0% $192
$70,000 to $79,999 46 1.0% $230
$90,000 to $99,999 94 2.0% $289
$100,000 to $124,999 201 4.0% $333
$125,000 to $149,999 297 6.0% $415
$150,000 to $174,999 438 10.0% $497
$175,000 to $199,999 465 10.0% $571
$200,000 to $249,999 972 22.0% $690
$250,000 to $299,999 689 15.0% $838
$300,000 to $399,999 937 21.0% $1068

Top Home Insurance Agents Near Winchester, VA

Home Insurance Company Near Winchester, VA Homeowners Insurance Agency Near Winchester, VA Address
Travelers Armfield Harrison & Thomas Inc 20 S KING STREET, LEESBURG, VA, 20175
Liberty Mutual Independent R H Nicholson & Co 3998 Fair Ridge Dr #200, Fairfax, VA, 22033
Nationwide Terence F Dugan Jr Lutcf 101 East Holly Ave STE 4, Sterling, VA, 20164-4475
State Farm Tim Duray 7713 Sudley Rd, Manassas, VA, 20109
Erie Walter & Walter Insurance Agency Inc. 3186 Valley Pike, Winchester, VA, 22602

Cost Of Homeowners Insurance By Street Near Winchester, VA

Streets in Winchester Area Homeowners Insurance Cost
Jigsaw Pl, Commerce St, State Rte 657, Russelcroft Rd, Hillcrest Aly, S Kent St, Franklin St, Blue Ridge Ter, Appleseed Ct, State Rte 7$738
Conway St, Stonewall Ave, E Jubal Early Dr, Middle Rd, Morgan St, Stone House Ct, Kinzel Dr, Henry Ave, Atwell Ave, Rockland Dr$717
N Sector Ct, Winder Ct, S Purcell Ave, Orchard Ave, Valley Ave, University Dr, Windwood Dr, Elm St, Orchard Hill Dr, Apple Blossom Dr$722
Wayland Dr, W Whitlock Ave, Van Couver St, Seldon Dr, N Stewart St, US Hwy 50, W Jubal Early Dr, Hawthorne Dr, Parkview Ave, Academy Cir$763
State Rte 628, Heth Pl, Spruce St, National Ave, Wentworth Dr, N Loudoun St, Myrtle Ave, Kernstown Ct, S Braddock St, Stonehenge Rd$743

Winchester, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Winchester$110 to $113
Red Bud$110
Shawnee$111
Stephens City$109

Winchester, 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
Red Bud district, Frederick County, Virginia $92 $122 $183
Shawnee district, Frederick County, Virginia $93 $124 $186
Frederick County, Virginia $93 $123 $185

Winchester, 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
Winchester, VA3.7%14.4%
Red Bud3.64%15.55%
Shawnee3.75%14.66%
Frederick County3.73%15.73%

Winchester Renters Insurance as a Percentage of Rent

Winchester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 119 2.0% $785
$300 to $499 254 5.0% $1235
$500 to $749 1,241 24.0% $1910
$750 to $999 1,713 33.0% $2660
$1,000 to $1,499 1,405 27.0% $3785
$1,500 or more 316 6.0% $5435

Winchester, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Winchester Homeowner Insurance Premium Example $1,400$1,200
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,800$12,200
Net Savings to Winchester Home Owner from High Deductible Plan $600

Winchester, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Winchester, VA Home Replacement Value MORE than Home Value Winchester, VA Home Replacement Value LESS than Home Value
Replacement Value $198,500 $142,500
Insurance Premium based on Replacement Value $925 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,000 Risk Exposure from Under Insuring Coverage is $18,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $175/year

Example Winchester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualErie InsuranceChubb Group of Insurance
Monthly Premium 6610283
Year Built 194919741961
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $150000-$175000$400000-$500000$300000-$350000
Deductible $500 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 210,000 Composition Roof 1,390 2 $1000-$2500 Deductible 280 4 Stucco siding No
1963 280,000 Asphalt Shingles Roof 2,320 4 $500 Deductible 90 1 Wood siding No
1971 225,000 Wood Shake Roof 1,980 5 $1000-$2500 Deductible 120 2 Fiber-Cement Siding yes
1981 150,000 Tile Roof 1,320 2 $500- $1000 Deductible 100 2 Vinyl siding yes
1986 320,000 Shingles Roof 2,810 4 $500 Deductible 1300 8 Brick siding yes
2007 275,000 Asphalt Shingles Roof 2,400 3 $500- $1000 Deductible 280 4 Fiber-Cement Siding yes
1999 260,000 Slate Shingles Roof 2,150 4 $5000 to $10,000 Deductible 670 9 Vinyl siding yes
2012 145,000 Tile Roof 1,350 3 $2500-$5000 Deductible 310 8 Fiber-Cement Siding No
2005 190,000 Slate Shingles Roof 1,680 4 $500- $1000 Deductible 460 7 Brick siding No
1945 170,000 Composition Roof 1,390 2 $500- $1000 Deductible 150 3 Stone Siding No
1998 175,000 Slate Shingles Roof 1,400 3 $500- $1000 Deductible 390 4 Stone Siding yes
1962 455,000 Slate Shingles Roof 3,190 4 $2500-$5000 Deductible 470 4 Stone Siding No
1963 215,000 Tile Roof 1,617 3 $500 Deductible 370 5 Wood siding yes