How much is homeowners insurance in Reston,VA

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As per Insure.com’s rate data analysis, 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), It’s $925 less than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Reston depend on several factors, including:

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

American Family is the cheapest homeowners insurance company in Reston with an average annual premium of $1,579 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Reston. Keep reading to learn about the monthly cost of homeowners insurance in Reston, the cost for different dwelling coverage levels, and discover which companies provide the most affordable 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

Reston homeowners pay an average of $132 a month, based on our rate analysis. It’s $46 less than the state average of $178 and $77 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Reston may vary depending on where you live, the value of your home, and the coverage you choose.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,214 per year in Reston, 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 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 will just 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, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Reston by company

Among the carriers analyzed, American Family is the most affordable homeowners insurance company in Reston. It’s average annual rate for homeowners in Reston is $578.

Virginia Farm Bureau, ranks second and Progressive makes it to the third spot with an average annual home insurance rate of $1,106.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Reston and compiled a list of the most affordable home insurance companies.

Below are details of Reston home insurance companies and their average annual premiums.

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

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.