The best home insurance companies in the area are Chubb, State Farm, Nationwide, Main Street America, and Allstate. Chubb excels in customer service, State Farm leads in affordability, and Nationwide ranks first for coverage options. Compare all our top picks below.
Best Homeowners Insurance in Virginia
Updated: June 22, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Virginia are Chubb, State Farm, and Nationwide.
Chubb offers the best overall home insurance for most Virginia homeowners. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Virginia?
| Chubb | 98 | 2 | 1 | 2 |
| State Farm | 90 | 1 | 2 | 4 |
| Nationwide | 80 | 3 | 3 | 1 |
| Main Street America Insurance | 70 | 4 | 5 | 3 |
| Allstate | 70 | 5 | 4 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings show the best overall home insurance options, they may vary based on your property type or personal needs. Below is a summary of top picks across key categories.
| Chubb | 98 | Overall |
| Chubb | 98 | Older Home |
| Chubb | 97 | Newer Homes |
| Chubb | 98 | High-Fire-Risk Areas |
| Chubb | 99 | Bad Credit |
| Chubb | 97 | With Claims History |
Best Virginia Home Insurance by City
Home insurance provider rankings in Virginia cities vary widely based on policy affordability, local customer service, and available add-on coverage options. For instance, Chubb ranks best in Chesapeake with a MoneyGeek Score of 99, while it also tops the list in Hampton. To help you choose the best provider for your location, we've outlined the top overall options for each city.
| Alexandria | Chubb | 98 |
| Arlington | Chubb | 97 |
| Chesapeake | Chubb | 99 |
| Hampton | Chubb | 99 |
| Newport News | Chubb | 98 |
| Norfolk | Chubb | 98 |
| Richmond | Chubb | 98 |
| Virginia Beach | Chubb | 96 |
Chubb: Best Overall
For homeowners in Virginia, Chubb is the best cheap option for home insurance. The company offers exclusive services like HomeScan infrared technology to detect hidden home problems before damage occurs, complimentary risk consultant home appraisals, and cash settlement options allowing homeowners to take money rather than rebuilding after a total loss. Chubb is the second most affordable provider in the state and first nationally for J.D. Power customer satisfaction.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $48 | $572 |
| Newer Homes in High-Fire-Risk Areas | $48 | $572 |
| Older Homes in High-Fire-Risk Areas | $65 | $777 |
| Older Homes | $65 | $777 |
How to Find the Best Home Insurance in Virginia
We've created a simple guide to help you find coverage that fits your needs perfectly.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in virginia to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Virginia. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Virginia: Bottom Line
Chubb, State Farm and Nationwide are the best-rated homeowners insurance providers in Virginia. Still, researching and comparing options can help you choose the right insurer for your specific needs.
Best Home Insurance in Virginia: FAQ
To assist you in selecting a home insurance provider, we've answered common questions about finding coverage in Virginia.
Which company is best for home insurance in Virginia?
Chubb is the best homeowners insurance provider in Virginia due to its balance of affordability, exceptional customer service, and extensive coverage add-on options. State Farm, Nationwide, Main Street America and Allstate are also great options in Virginia.
Who has the most affordable homeowners insurance in Virginia?
The most affordable homeowners insurance in Virginia is tailored to your individual needs and home characteristics. However, the average cost in Virginia is $1,171 annually.
How do you get the best homeowners insurance in Virginia?
To find the best home insurance in Virginia, determine your coverage needs, research costs and companies, and obtain several quotes for comparison.
How We Decided the Best Home Insurance in Virginia: Our Methodology
We rated the best homeowners insurance providers in Virginia using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.