Guide to Home Insurance in Virginia (2024)

We break down everything you need to know about home insurance in Virginia — from average costs, the best companies, how to prepare for the summer storm season, and more.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.&Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated

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We can help you find the best home and flood insurance companies in your area, learn about the average cost of home insurance in your area, and more with our ultimate guide to home insurance in Virginia.

Learn more about home insurance in Virginia

Find your best home insurance rates in Virginia with our free calculator

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Best Virginia home insurance company reviews

Company

Average annual cost

Cincinnati Insurance

$873

Farm Bureau Insurance

$913

Universal Property

$966

Farmers

$1,064

Foremost

$1,084

Chubb

$1,212

Auto-Owners Insurance

$1,251

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Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare Virginia home insurance rates by city

City

Average annual cost

Alexandria

$1,154

Blacksburg

$1,035

Charlottesville

$1,129

Chesapeake

$1,702

Danville

$1,208

Fredericksburg

$1,057

Hampton

$1,639

Harrisonburg

$1,063

Leesburg

$1,162

Lynchburg

$1,087

Manassas

$1,050

Newport News

$1,585

Norfolk

$1,794

Petersburg

$1,267

Portsmouth

$1,740

Richmond

$1,257

Roanoke

$1,095

Suffolk

$1,626

Virginia Beach

$1,947

Winchester

$1,031

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First Person Experience

Michelle Kagel owns a home in Arlington, Virginia and is very happy with her current homeowners insurance.

“I like that my homeowners insurance is reasonably priced and the office I call is very responsive. I’ve never had to wait more than 24 hours for a call back. I also like that my homeowners insurance company is proactive; they call every year to say, ‘Hey, you haven’t called us in a while. Is everything good?’ It feels like I can set it and forget it, but I trust that they never forget about me. I can’t think of anything that I wish was different!”

Find your best home insurance rates in Virginia with our free calculator

We don't sell your information to third parties.

Authors

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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