Best and Cheapest Home Insurance in Chesapeake, VA (2024)

In Chesapeake, Virginia, Chubb is both the overall best and cheapest choice for home insurance. It also offers the best customer service. This company caters to different needs. Choosing the best cheap home insurance depends on what you value, like coverage levels, customer service and cost.

MoneyGeek found that Chubb is the best option for home insurance in Chesapeake, Virginia, with a MoneyGeek score of 99 for 100K dwelling coverage. The scores for home insurance companies in Chesapeake, Virginia range from 45 to 99. These scores are based on MoneyGeek's scoring system and can differ depending on your credit history and the age of your home.

MoneyGeek found that Chubb is the best option for home insurance in Chesapeake, Virginia, for $100K dwelling coverage. The two best overall home insurance companies in Chesapeake for $100K dwelling coverage are:

• Chubb: MoneyGeek score of 99 out of 100 ($661 per year)
• Auto-Owners: MoneyGeek score of 93 out of 100 ($1,150 per year)

Chubb stands out as the best home insurance provider, offering competitive affordability and high customer satisfaction, which heavily contribute to its MoneyGeek score. In Chesapeake, Virginia, various companies offer different costs and service experiences. While cost is important, factors like customer service and claims process matter when you need to make claims.

MoneyGeek found that Chubb offers the best customer service for home insurance in Chesapeake, Virginia, for $100K dwelling coverage. If you are looking for top providers for this coverage, consider these options:

• Chubb: MoneyGeek score of 96 out of 100 ($661 per year)
• Auto-Owners: MoneyGeek score of 93 out of 100 ($1,150 per year)

Chubb stands out for its customer satisfaction and robust coverage options. It excels in maintaining customer satisfaction scores, which significantly boost its overall MoneyGeek score. Chubb's affordable premium for high-quality service makes it an excellent choice for homeowners. Excellent service in home insurance means quick responses to queries, clear communication, and efficient claim handling.

MoneyGeek found that Chubb is the best cheap home insurance company in Chesapeake, Virginia.The top two best cheap insurance providers for $100K dwelling coverage are:

• Chubb: MoneyGeek score of 99 out of 100 ($661 per year)
• Auto-Owners: MoneyGeek score of 93 out of 100 ($1,150 per year)

When it comes to the average cost of homeowners insurance in Virginia, Chubb stands out due to its great customer satisfaction and solid affordability scores.

Choosing cheap home insurance often means having less coverage, which is better for your budget but might not cover much if something breaks. In cases where saving on premiums is a focus, considering the cheapest homeowner insurance companies may be beneficial. The best cheap insurance may not always be the same as the cheapest home insurance, as it balances cost with quality.

MoneyGeek found that Chubb is the best option in Chesapeake, Virginia. The primary factor influencing home insurance premiums is the dwelling coverage you choose.

• For 100K Dwelling Coverage: Chubb: $661 per year
• For 250K Dwelling Coverage: Main Street America Insurance: $1,239 per year
• For 500K Dwelling Coverage: Main Street America Insurance: $2,591 per year

Chubb offers the lowest cost for $100K coverage with the highest score, making it the cheapest and best choice in Chesapeake, Virginia. For $250K and $500K coverages, Main Street America Insurance outshines others due to its lower cost despite a mid-level score. Purchasing the cheapest homeowners insurance in Virginia can help you manage your finances effectively.

State Farm is the cheapest option for home insurance for high-value homes in Chesapeake, Virginia. High dwelling coverage is necessary for homes costing more to rebuild, impacting home insurance costs.

• Cheapest for $750K Dwelling Coverage: State Farm: $3,674 per year
• Cheapest for $1M Dwelling Coverage: State Farm: $4,620 per year

In Chesapeake, Virginia, State Farm stands out for its affordable pricing. According to MoneyGeek, while it ranks high for affordability, its overall score for other factors like customer satisfaction is middling, which may impact its ranking as the best choice.

Chubb is the most affordable option for new homes in Chesapeake, Virginia, when looking at the annual premium for $100K dwelling coverage.

• Cheapest for $100K Dwelling Coverage: Chubb: $488 per year
• Cheapest for $250K Dwelling Coverage: Main Street America Insurance: $680 per year
• Cheapest for $500K Dwelling Coverage: Main Street America Insurance: $1,314 per year

Chubb offers the lowest cost for new-home insurance in Chesapeake, Virginia, based on expenses. However, the cheapest choice doesn’t always mean the best, according to MoneyGeek's overall assessments.

The best cheap home insurance provider for you in Chesapeake depends on how much coverage you need and your budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Chesapeake, Virginia.