How much is homeowners insurance in Carrollton, VA

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In Carrollton, homeowners pay an average annual rate of $2,786 (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 $282 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Carrollton 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 Carrollton, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Carrollton.

How much is homeowners insurance in Carrollton per month

Residents of Carrollton pay an average of $232 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $54 more than the state average of $178 and $23 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Carrollton may change based on location, property value, and selected coverage options.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,108 per year in Carrollton, 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 insurancecoverage.

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

As per rate analysis by Insure.com, homeowners residing in Carrollton typically pay an average of $2,786 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 $678 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 Carrollton by company

Among the carriers analyzed, American Family is the cheapest homeowners insurance company in Carrollton. It’s average annual rate for Carrollton homeowners is $1,283, while Virginia Farm Bureau ranks second.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Carrollton and prepared a list of the cheapest home insurance providers. You can find below the Carrollton home insurance companies and their average annual premium.

Common natural disasters in Virginia that may affect home insurance

Living in Virginia comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

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

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 Carrollton 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.

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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