Home insurance in Virginia.
Home insurance in Virginia is below the national average, with hurricane exposure concentrated in the coastal and Hampton Roads areas.
Virginia at a glance
Avg. premium
$1,332/yr
NAIC 2022, HO-3
vs. national
15% below
U.S. avg $1,569/yr
Main cost driver
Hurricanes & severe storms
What pushes rates here
Home insurance in Virginia is below the national average, with hurricane exposure concentrated in the coastal and Hampton Roads areas.
How much does home insurance cost in Virginia?
The average homeowner in Virginia pays $1,332per year for home insurance, that's 15% below the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Virginia vs the national average
15% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Virginia
Coastal homes face higher rates and possible hurricane deductibles, while inland Virginia is priced for severe thunderstorms and is considerably cheaper.
What home insurance covers
A standard Virginiahomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Virginia
Rates for the same home can vary widely between insurers in Virginia, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Virginia home insurance FAQs.
Common questions about homeowners insurance in Virginia.
06 / Get Started
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