How much is homeowners insurance in Ashburn,VA

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In Ashburn, homeowners pay an average annual rate of $1,617 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $887 less than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Ashburn depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Ashburn, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Ashburn.

Key takeaways

The cost of your homeowners insurance policy in Ashburn can vary based on factors such as your location, the value of your home, and the coverage options you select.
American Family is the cheapest homeowners insurance company in Ashburn with an average annual premium of $554.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $377 more, annually for home insurance.

How much is homeowners insurance in Ashburn per month

According to our rate analysis, homeowners in Ashburn pay an average of $135 per month. It’s $43 less than the state average of $178 and $74 less than the national average for home insurance across the United States.

In Ashburn, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Ashburn

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,240 per year in Ashburn, VA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Ashburn

According to a rate analysis by Insure.com, homeowners in Ashburn pay an average of $1,617 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $377 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Ashburn by company

After evaluating several carriers, American Family is the least expensive homeowners insurance provider in Ashburn. It’s average annual rate for homeowners in Ashburn is $554.

Virginia Farm Bureau holds the second position, while Erie Insurance secures the third spot with an average annual home insurance rate of $1,168.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Ashburn and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Ashburn and their average annual premiums.

Home insurance company	Annual rate
American Family	$554
Virginia Farm Bureau	$736
Erie Insurance	$1,168
Nationwide	$1,245
State Farm	$1,291
Progressive	$1,464
Allstate	$1,604
Farmers	$2,187
Travelers	$3,735

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Ashburn for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.