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.

How much is homeowners insurance in Ashburn per month

According to Insure.com’s rate analysis, residents of Ashburn pay an average of $135 per month for homeowners insurance. This is $43 less than the state average of $178 and $74 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Ashburn can vary depending on your location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Ashburn, VA is $1,240 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

As per rate analysis by Insure.com, homeowners residing in Ashburn typically pay an average of $1,617 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $377 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire 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, while Virginia Farm Bureau holds the second position.

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.

Common natural disasters in Virginia that may affect home insurance

Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.

Coastal flooding, Landslide and Winter weather are some of the common natural disasters in Virginia that could affect your home insurance costs.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

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

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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