★★★★★ 4.9 from 600+ reviews

Home Insurance Savings Guide for 2026

Compare Homeowners Insurance Quotes & Save Up to $400/yr

Get a fast, no-pressure quote from a local licensed agent in under 60 seconds

Sarah M
"We were overpaying by $380 a year. The agent found us better coverage for less — same day." – Sarah M., Richmond, VA
★★★★★
"We just closed on our first home and had no idea what coverage we needed. The agent explained everything and got us insured before the closing date. Couldn't have been easier."
— Kayla M., Richmond, VA
★★★★★
"My renewal came in $340 higher than last year. Filled out this form, had a new policy quote within 10 minutes, and ended up saving $390 annually. Unbelievable."
— Greg S., Virginia Beach, VA
★★★★★
"I'm in Hampton Roads and always worried about wind and flood risk. The agent walked me through exactly what I was and wasn't covered for. Finally feel protected."
— Dana L., Norfolk, VA
★★★★★
"Had a 1962 brick home and was told by another company it would be expensive to insure. This agent found us a solid policy at $96/month. Great experience."
— Ray T., Roanoke, VA
★★★★★
"We bundled our homeowners and umbrella policy together and saved $520 a year. The agent handled everything and we were covered the same afternoon."
— Michelle B., Arlington, VA
★★★★★
"I called after a neighbor had a major roof claim denied. The agent reviewed my policy, found the gap, and upgraded my coverage for $18 more a month. Peace of mind is worth it."
— Steve W., Chesapeake, VA
★★★★★
"Moving into a new build and needed coverage fast. Agent had everything sorted in under an hour. Professional, fast, and no pressure whatsoever."
— Amber C., Fredericksburg, VA
★★★★★
"I've had the same homeowners policy for 9 years and never checked rates. Switched and saved $455 a year. I wish I'd done this sooner."
— Craig N., Newport News, VA
★★★★★
"Incredibly knowledgeable. Agent explained replacement cost vs. actual cash value and made sure my coverage actually matched what it would cost to rebuild. No one had ever explained that to me before."
— Linda H., Alexandria, VA
★★★★★
"Submitted the form on a Tuesday afternoon. Agent called within minutes, emailed me three options, and I had a new policy by end of day. Saved $310 and got better coverage."
— Derrick P., Suffolk, VA
★★★★★
"We just closed on our first home and had no idea what coverage we needed. The agent explained everything and got us insured before the closing date. Couldn't have been easier."
— Kayla M., Richmond, VA
★★★★★
"My renewal came in $340 higher than last year. Filled out this form, had a new policy quote within 10 minutes, and ended up saving $390 annually. Unbelievable."
— Greg S., Virginia Beach, VA
★★★★★
"I'm in Hampton Roads and always worried about wind and flood risk. The agent walked me through exactly what I was and wasn't covered for. Finally feel protected."
— Dana L., Norfolk, VA
★★★★★
"Had a 1962 brick home and was told by another company it would be expensive to insure. This agent found us a solid policy at $96/month. Great experience."
— Ray T., Roanoke, VA
★★★★★
"We bundled our homeowners and umbrella policy together and saved $520 a year. The agent handled everything and we were covered the same afternoon."
— Michelle B., Arlington, VA
★★★★★
"I called after a neighbor had a major roof claim denied. The agent reviewed my policy, found the gap, and upgraded my coverage for $18 more a month. Peace of mind is worth it."
— Steve W., Chesapeake, VA
★★★★★
"Moving into a new build and needed coverage fast. Agent had everything sorted in under an hour. Professional, fast, and no pressure whatsoever."
— Amber C., Fredericksburg, VA
★★★★★
"I've had the same homeowners policy for 9 years and never checked rates. Switched and saved $455 a year. I wish I'd done this sooner."
— Craig N., Newport News, VA
★★★★★
"Incredibly knowledgeable. Agent explained replacement cost vs. actual cash value and made sure my coverage actually matched what it would cost to rebuild. No one had ever explained that to me before."
— Linda H., Alexandria, VA
★★★★★
"Submitted the form on a Tuesday afternoon. Agent called within minutes, emailed me three options, and I had a new policy by end of day. Saved $310 and got better coverage."
— Derrick P., Suffolk, VA

Virginia Homeowners Insurance — Frequently Asked Questions

The average cost of homeowners insurance in Virginia is around $1,200–$1,500 per year, or roughly $100–$125 per month. Rates vary significantly by location, home value, age of the home, and coverage level. Coastal areas like Virginia Beach and Norfolk tend to have higher rates due to hurricane and flood risk.
Virginia homeowners can save $200–$400 or more per year by comparing rates through a local licensed agent. Many homeowners are significantly overpaying simply because they haven't shopped their coverage recently. Working with a local agent who knows multiple carriers is the fastest way to find savings.
Virginia does not legally require homeowners insurance, but if you have a mortgage your lender will require it as a condition of the loan. Even if you own your home outright, homeowners insurance is essential protection for your biggest financial asset against fire, theft, storm damage, and liability claims.
A standard Virginia homeowners policy (HO-3) covers the structure of your home, detached structures like garages, personal belongings, liability if someone is injured on your property, and additional living expenses if your home becomes uninhabitable due to a covered loss. Flood and earthquake damage typically require separate policies.
No. Standard homeowners insurance does NOT cover flood damage. Virginia homeowners in flood-prone areas — especially coastal regions like Virginia Beach, Norfolk, and Hampton Roads — should strongly consider a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. Ask your local agent about your flood risk and options.
Yes. Bundling homeowners and auto insurance with the same carrier typically saves 10–20% on both policies — often $400–$600 per year in combined savings. It also simplifies your coverage with a single agent and one renewal date. Most carriers offer significant multi-policy discounts.
The most effective ways to lower your rate include: comparing carriers through a local agent, bundling with auto insurance (saves 10–20%), raising your deductible, installing security systems or smoke detectors, maintaining a claims-free history, and ensuring your home's roof is in good condition. A local agent can identify which discounts you qualify for.
In most cases, a local agent can provide a quote within minutes and bind coverage the same day. If you're buying a home, your agent can typically have a policy ready before or at closing. For an existing home, switching is fast — your new coverage can begin the same day you approve the policy.