Best Homeowners Insurance in Virginia (2024)

Chubb is as the top home insurance company in Virginia, balancing cost and quality service. If you’re specifically seeking a wallet-friendly option, Chubb is also the most affordable in the state. It also shines for homeowners with high-value properties requiring extensive dwelling coverage.

Unless specified, quotes were based on a $100,000 dwelling coverage limit. The amount of dwelling coverage you need influences your premium. We also looked for the cheapest home insurance in Virginia, ideal if you're prioritizing cost above service quality.

Chubb offers the best home insurance in Virginia.

• Chubb: MoneyGeek score of 99 out of 100 ($638 per year)
• Auto-Owners: MoneyGeek score of 94 out of 100 ($877 per year)

In Virginia, homeowners can avail themselves of companies that offer diverse costs and service qualities. Weigh both premium rates and service excellence to find the coverage that best fits your needs.

Chubb is the leader in home insurance service quality in Virginia.

• Chubb: MoneyGeek score of 96 out of 100 ($638 per year)
• Auto-Owners Insurance: MoneyGeek score of 93 out of 100 ($877 per year)

Valuing service quality when choosing a home insurance provider ensures a stress-free experience, especially during trying times. Homeowners who prioritize good service can expect prompt support after, for example, a storm damages their property.

In Virginia, Chubb presents the best blend of value and security for budget-conscious homeowners.

• Chubb: MoneyGeek score of 99 out of 100 ($638 per year)
• State Farm: MoneyGeek score of 95 out of 100 ($621 per year)

Although Chubb earned a perfect affordability score, the cheapest premiums don’t always equate to the top-tier service. Balance affordable premiums with exceptional service. For example, when a storm damages your roof, a provider who promptly addresses your claim can be invaluable. Review the average cost of home insurance in Virginia to make an informed decision.

Chubb stands out as the premier home insurance provider in Virginia for those with high-value homes. These insurers lead the pack, with compelling offerings for homeowners requiring $1 million in dwelling coverage.

• Chubb: MoneyGeek score of 93 out of 100 ($5,238 per year)
• Auto-Owners: MoneyGeek score of 90 out of 100 ($5,408 per year)

High-value homes necessitate more comprehensive coverage, influencing the expense of insurance. Thus, finding an insurer that delivers an optimal mix of price and coverage quality is important for homeowners.

Auto-Owners stands out as the best choice for new home insurance in Virginia.

• Auto-Owners: MoneyGeek score of 93 out of 100 ($1,576 per year)
• Chubb: MoneyGeek score of 84 out of 100 ($2,028 per year)

Auto-Owners shines with high affordability and service scores, delivering to homeowners an excellent mix of cost efficiency and reliable service.

Chubb is the best home insurance provider for veterans and military members in Virginia. With an annual premium of $638, it offers competitive rates.

• Chubb: MoneyGeek score of 99 out of 100 ($638 per year)
• Auto-Owners: MoneyGeek score of 94 out of 100 ($877 per year)

Choosing the right homeowners insurance is important because the best company for veterans grasps their unique circumstances, like frequent moves and deployments, ensuring homes and possessions are covered at all times.

The search for the best homeowners insurance involves locating providers that deliver an optimal blend of exceptional customer service, comprehensive coverage and budget-friendly premiums. The most suitable homeowners insurance varies depending on your individual requirements. In the following steps, we'll guide you through the process to ensure you find the ideal coverage that protects your home and fits your financial plan.

Choosing the best homeowners insurance provider in Virginia hinges on aligning offerings with your individual needs. With the landscape of options available, it's natural to have questions. We address the most common questions to help guide you in your search for the right insurance coverage.