The Best Home Insurance in Virginia for 2025

Chubb, USAA and State Farm are among the best home insurance companies in Virginia, according to our analysis.

To help you find the best home insurance in Virginia, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in Virginia.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to well-to-do homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders with second or seasonal homes in Virginia are eligible for Chubb’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

Amica stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

The company shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other perks, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible at sign up, plus $100 off for each year without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before.

Unlike many other insurers, Openly doesn’t have dog breed restrictions for liability coverage. It may also be a good bet for homeowners with jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

The average annual cost of home insurance in Virginia is $1,705. That’s 19% less than the national average of $2,110.

In most U.S. states, including Virginia, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Virginia, those with poor credit pay an average of $3,455 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s more than twice what those with good credit pay.

» MORE: Does your credit score affect home insurance rates?

How much you pay for home insurance in Virginia will depend on your ZIP code. For example, the average cost of homeowners insurance in Richmond is about $1,610 a year, while homeowners in Virginia Beach pay an average of $2,395 per year.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Virginia average of $1,705.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when evaluating home insurance in Virginia.

Hurricanes and tropical storms

Wind and water are two major causes of hurricane-related damage. Home insurance usually covers wind damage, but you may have a separate deductible for wind claims. (A homeowners deductible is the part of a claim you’re responsible for.)

Say you have a $1,000 deductible for most claims but a 2% deductible for wind claims. If your home has $250,000 of dwelling coverage and a tropical storm causes wind damage, you’ll need to pay the first $5,000 of the claim.

You’ll need separate flood insurance damage from storm surge and flooding. Read on for more details.

Flooding

A standard home insurance policy won’t cover damage from floods, surface water or storm surges. If you're concerned about flooding, you may want to consider buying flood insurance.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood insurance

Tornadoes

As long as you have wind coverage in your homeowners policy, you have coverage for tornadoes. Most home insurance policies include wind coverage as long as you don’t live in a high-risk coastal location.

Make sure you have enough dwelling coverage to pay for full reconstruction of your house. (Dwelling coverage is the part of your policy that pays for damage to the structure of your home.) Your insurance agent can help you choose the right limit.

» MORE: Does homeowners insurance cover tornado damage?

Winter weather

A standard home insurance policy covers many types of winter damage, such as burst pipes and fallen trees. However, it won’t cover flood damage from melting snow; for that you’ll need flood insurance.

» MORE: Home insurance calculator: Estimate your rate

The State Corporation Commission’s Bureau of Insurance oversees the insurance industry in Virginia. Through its website, you can look up an agent’s license or file a complaint about your insurance company. You can reach the agency through its toll-free helpline at 877-310-6560.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.