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.
| Home Insurance Company Near Winchester, VA | Homeowners Insurance Agency Near Winchester, VA | Address |
|---|---|---|
| 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 |
| Travelers | Armfield Harrison & Thomas Inc | 20 S KING STREET, LEESBURG, VA, 20175 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Winchester, VA | 3.7% | 14.4% |
| Red Bud | 3.64% | 15.55% |
| Shawnee | 3.75% | 14.66% |
| Frederick County | 3.73% | 15.73% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Winchester | $110 to $113 |
| Red Bud | $110 |
| Shawnee | $111 |
| Stephens City | $109 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Liberty Mutual | Erie Insurance | Chubb Group of Insurance |
| Monthly Premium | 66 | 102 | 83 |
| Year Built | 1949 | 1974 | 1961 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $150000-$175000 | $400000-$500000 | $300000-$350000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |