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

In Hampton, Virginia, Chubb is the best choice for home insurance overall, having the cheapest policies and best customer service.

These companies cater to different needs, so select a provider based on what's essential to you.

MoneyGeek found that Chubb is the best option in Hampton, VA, for $100,000 dwelling coverage, with a MoneyGeek score of 99 out of 100.

The scores for home insurance companies in Hampton range from 45 to 99. These scores are based on MoneyGeek's scoring system; insurers might get different scores depending on several factors, such as your credit history and the home's age.

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

• Chubb: MoneyGeek score of 99 out of 100 ($728 per year)
• Auto-Owners Insurance: MoneyGeek score of 94 out of 100 ($1,152 per year)

Chubb stands out as the best home insurance provider for its outstanding combination of affordability and customer satisfaction. 

In Hampton, various companies offer different prices and service experiences. While cost is important, factors like customer service and claims processing are crucial, especially when filing a claim.

MoneyGeek found that Chubb provides the best customer service for home insurance in Hampton, VA. Here are the top two providers for $100K dwelling coverage:

• Chubb: MoneyGeek score of 96 out of 100 ($728 per year)
• Auto-Owners Insurance: MoneyGeek score of 93 out of 100 ($1,152 per year)

Chubb excels in customer satisfaction. They listen closely to your needs and offer coverage that aligns with you. Excellent service in home insurance also includes quick, helpful responses when you need them most.

MoneyGeek found that Chubb is the best cheap home insurance company in Hampton, VA**.** The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:

• Chubb: MoneyGeek score of 99 out of 100 ($728 per year)
• Auto-Owners Insurance: MoneyGeek score of 94 out of 100 ($1,152 per year)

Chubb stands out for its high affordability score and customer satisfaction. Cheap home insurance often means choosing lower coverage, which is good for saving money but may not be enough if a disaster happens. 

In scenarios where lowering premiums is essential, exploring the cheapest companies or the average cost of homeowners insurance in Virginia might be helpful. The best cheap differs from the cheapest by not only focusing on the lowest price but also considering quality and service.

MoneyGeek found that Chubb is the cheapest choice for a $100K dwelling coverage in Hampton, VA. The key influence on home insurance premiums is the dwelling coverage you choose.

• For $100K Dwelling Coverage: Chubb: $728 per year
• For $250K Dwelling Coverage: Main Street America Insurance: $1,470 per year
• For $500K Dwelling Coverage: State Farm: $2,955 per year

Chubb has the lowest cost for $100K dwelling coverage and the highest score overall in Hampton. Main Street America offers the lowest cost for $250K coverage and State Farm for $500K; however, Chubb holds a higher rank than both. Buying the cheapest homeowners insurance in Virginia can ease financial planning by reducing monthly expenses.

State Farm is the cheapest option for high-value home insurance in Hampton, VA. High dwelling coverage is necessary for expensive homes that cost more to replace, and home insurance costs tend to rise accordingly.

• Cheapest for $750K Dwelling Coverage: State Farm: $4,049 per year
• Cheapest for $1M Dwelling Coverage: State Farm: $5,090 per year 

State Farm stands out in Hampton as it's the most affordable option for high-value coverage. According to MoneyGeek, it received a positive overall evaluation.

Chubb is the best option for insurance for new homes in Hampton, VA.

• Cheapest for $100K Dwelling Coverage: Chubb: $536 per year
• Cheapest for $250K Dwelling Coverage: Main Street America Insurance: $789 per year
• Cheapest for $500K Dwelling Coverage: Main Street America Insurance: $1,561 per year

The low cost makes Chubb the top choice for new homes in Hampton. However, being the cheapest doesn't always mean the best, according to other assessments. It's important to be adequately covered.

The best cheap home insurance provider in Hampton ultimately depends on the coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Hampton, VA.