How much is homeowners insurance in Saint Paul, VA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In St. Paul, homeowners pay an average annual rate of $2,417 (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 $87 less than the national average of $2,504.

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

How much is homeowners insurance in St. Paul per month

According to Insure.com’s rate analysis, residents of St. Paul pay an average of $201 per month for homeowners insurance. This is $23 more than the state average of $178 and $8 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in St. Paul can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in St. Paul

In St. Paul, VA, homeowners pay an average of $1,813 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in St. Paul

According to a rate analysis by Insure.com, homeowners in St. Paul pay an average of $2,417 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 $604 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 St. Paul by company

Among the carriers analyzed, American Family is the most affordable homeowners insurance company in St. Paul. It’s average annual rate for homeowners in St. Paul is $949, while Virginia Farm Bureau ranks second.

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

Below are details of St. Paul home insurance companies 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 plays an important role in safeguarding your property and belongings from the financial burden caused by natural disasters. While standard policies usually cover damages from events like windstorms, hail and lightning, certain disasters, such as floods, earthquakes and wildfires, require additional coverage.

These types of damage are generally not included in a standard home insurance policy, so homeowners must purchase separate flood or earthquake insurance to be fully protected.

Home insurance can cover repair costs for structural damage, replace lost or damaged belongings and provide funds for temporary living arrangements if your home is rendered uninhabitable. This coverage offers financial support, helping homeowners recover more quickly from the impacts of natural disasters.

Methodology

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

 

|

 . .

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.

Related Articles

Cost of living calculator By Nupur Gambhir

Mobile home insurance cost and coverage in 2025 By Chris Kissell

Best renters insurance companies in 2025 By Shivani Gite

How to prevent tornado damage By Ashlee Tilford

Does homeowners insurance cover code upgrades? By Nupur Gambhir

Homeowners insurance rates by state in 2025 By Jake Safane