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06-23-2009, 03:35 PM
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Join Date: Apr 2009
29 posts, read 9,628 times
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Cost of homeowners insurance?
Just wondering if anyone could give me a rough idea of what annual homeowners insurance would be on a $500K house in fairfax county? Probably Burke, Springfield, or fairfax station. Just a basic policy - nothing fancy. We would also be insuring 2 cars with the same company (probably will go with state farm or allstate) for a small discount.
I've been estimating $1500/ year for just the homeowners, but I could be way off base. Thanks for any insight!
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06-23-2009, 04:33 PM
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Senior Member
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Join Date: Mar 2009
Location: Orange Hunt Estates, W. Springfield
151 posts, read 70,058 times
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I live in W. Springfield and have auto and home insurance through GEICO. My home is worth about $450k; I pay $635 annually. Each of my vehicles cost from $400 to $560 annually with a $500 deductible.
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06-23-2009, 05:45 PM
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Join Date: Apr 2009
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Wow - that's cheap. Way cheaper than where I live now (Louisiana). Good to know - thanks!
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06-24-2009, 08:07 AM
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Join Date: Apr 2008
50 posts, read 30,607 times
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$375k house in Bristow, I pay $500 for homeowners annually. Car and house insured by Travellers.
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06-24-2009, 09:28 AM
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Senior Member
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Join Date: May 2008
Location: VA
226 posts, read 154,902 times
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$435k home in Loudoun county, $571 annually (standard insurance with $1000 deductible, sewage backup but no flood coverage), from Allstate.
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06-24-2009, 10:26 AM
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Join Date: May 2009
24 posts, read 15,396 times
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Also
Also, keep in mind that the following (there are many more but here's a few) things will even LOWER the home insurance rate:
-- close proximity to a fire hydrant/fire house
-- any type of home alarm system.
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06-24-2009, 09:56 PM
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Senior Member
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Join Date: Nov 2008
252 posts, read 136,688 times
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Our policy is just shy of $700 a year. That covers about 350K in personal property and about 500K for the structure of the house, independent of the land value.
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06-24-2009, 10:06 PM
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Senior Member
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Join Date: Mar 2009
Location: Orange Hunt Estates, W. Springfield
151 posts, read 70,058 times
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Doesn't frequency of hurricanes make home insurance higher in Louisianna?
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06-25-2009, 09:39 AM
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Join Date: Jan 2009
Location: Northern VA/DC
32 posts, read 10,495 times
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the house i just sold in Springfield was 500k+ and it was less than 600/yr through USAA.
Just got an homeowners estimate on my new house in FFX County and its 220+ a month   Quite a difference, but its also 4 times as large(~8k sqft) |
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06-25-2009, 11:29 AM
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Join Date: Apr 2009
29 posts, read 9,628 times
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Quote:
Originally Posted by statecollege
Doesn't frequency of hurricanes make home insurance higher in Louisianna?
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Yep - big time! We have a $10,000 deductible for hurricane damage to try and keep costs down. Car insurance is rediculous too. Trippled when we moved to LA from NE. Sounds like that will be going down as well. |
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