Home Home insurance Average home insurance cost Virginia St. Paul, VA How much is homeowners insurance in Saint Paul, VA The average annual cost for homeowners insurance in St. Paul is $2,417 for $300,000 in dwelling coverage, $100,000 in liability protection and a $1,000 deductible. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 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. Key Takeaways The average cost of homeowners insurance in St. Paul is $2,417 per year.American Family is the cheapest homeowners insurance company in St. Paul with an average annual premium of $949.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. 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 companyAmong 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.Home insurance company Annual rate American Family$949Virginia Farm Bureau$1,012Progressive$1,453Nationwide$1,510State Farm$1,606Erie Insurance$1,632Allstate$1,979Farmers$4,635Travelers$4,758 TIPBundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company. Common natural disasters in Virginia that may affect home insuranceNatural 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 disastersHome 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. How much is home insurance in other citiesAshburnCarrolltonMarkhamRestonVirginia BeachShivani GiteContributing 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. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Nupur Gambhir Homeowners insurance rates by state in 2025 By Jake Safane On this page How much is homeowners insurance in St. Paul per month How much is homeowners insurance for a $200,000 house in St. Paul How much is homeowners insurance for a $300,000 house in St. Paul How much is homeowners insurance in St. Paul by companyCommon natural disasters in Virginia that may affect home insuranceHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates