How much is homeowners insurance in Reston,VA

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The average cost of homeowners insurance in Reston is $1,579 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $925 less than the national average of $2,504 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Reston depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

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

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

Key Takeaways

The average cost of homeowners insurance in Reston is $1,579 per year.
American Family is the cheapest homeowners insurance company in Reston with an average annual premium of $578 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $365 more a year for home insurance.

How much is homeowners insurance in Reston per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Reston pay an average of $132 per month. It’s $46 less than the state average of $178 and $77 less than the national average for home insurance across the nation.

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

The average cost of homeowners insurance in Reston, VA is $1,214 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

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

According to a rate analysis by Insure.com, homeowners in Reston pay an average of $1,579 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’ll have to pay $365 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, its features, and the cost of living in your area.

How much is homeowners insurance in Reston by company

Among the carriers we analyzed, American Family is the most affordable homeowners insurance company in Reston, offering an average annual rate of $578 , while Virginia Farm Bureau ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Reston and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Reston and what you can expect to pay with each one on average.

Home insurance company	Annual rate
American Family	$578
Virginia Farm Bureau	$820
Progressive	$1,106
State Farm	$1,192
Nationwide	$1,198
Erie Insurance	$1,229
Allstate	$1,552
Farmers	$2,162
Travelers	$3,793

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Virginia that can impact your home insurance

Natural disasters are a part of life in Virginia, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Virginia is commonly affected by Coastal flooding, Landslide and Winter weather.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Make sure your coverage is disaster-ready

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Reston 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.

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Shivani Gite

Contributing Writer

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.