How much is homeowners insurance in Carrollton,VA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Carrollton is $2,786 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $282 more the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Carrollton depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

American Family is the cheapest homeowners insurance company in Carrollton with an average annual premium of $2,786 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Carrollton. Keep reading to learn about the monthly cost of homeowners insurance in Carrollton, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Carrollton.

Key takeaways

The cost of your homeowners insurance policy in Carrollton can vary based on factors such as your location, the value of your home, and the coverage options you select.
American Family is the cheapest homeowners insurance company in Carrollton with an average annual premium of $1,283.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $678 more, annually for home insurance.

How much is homeowners insurance in Carrollton per month

According to our rate analysis, homeowners in Carrollton pay an average of $232 per month. It’s $54 more the state average of $178 and $23 more the national average for home insurance across the United States.

In Carrollton, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Carrollton

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,108 per year in Carrollton, VA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Carrollton

According to a rate analysis by Insure.com, homeowners in Carrollton pay an average of $2,786 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 $678 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 Carrollton by company

After evaluating several carriers, American Family is the least expensive homeowners insurance provider in Carrollton. It’s average annual rate for homeowners in Carrollton is $1,283.

Virginia Farm Bureau holds the second position, while Progressive secures the third spot with an average annual home insurance rate of $1,623.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Carrollton and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Carrollton and their average annual premiums.

Home insurance company	Annual rate
American Family	$1,283
Virginia Farm Bureau	$1,486
Progressive	$1,623
State Farm	$1,642
Allstate	$1,853
Nationwide	$2,240
Erie Insurance	$2,255
Farmers	$3,962
Travelers	$7,556

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Carrollton 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.