Home Insurance in Portsmouth, VA
Discover a new and easy way to secure competitive home insurance in Portsmouth by using VIU by HUB.
Portsmouth is one of the oldest seaports in Virginia, a place where you can take a romantic stroll along the seawall before heading into the arts district for dinner and a show. Housing is plentiful, and you can choose from an antique 3-bedroom or a more spacious waterfront property. Whatever your home looks like, make sure you choose comprehensive home insurance in Portsmouth to secure your future.
Nearly 98,000 people live in Portsmouth, and the median age is 35. The city is welcoming to families and offers diversity and a range of activities to enjoy. 55% of residents live in the properties they own, making strong home insurance in Portsmouth a high priority for residents.
Crime is a concern in every U.S. city, and it's important to know the figures for Portsmouth if you own a home there. In 2020, 3.5% of Portsmouth residents experienced theft, a higher percentage than the state average. Expecting more out of your insurance is possible when you compare policies on VIU by HUB.
The weather in Portsmouth is pleasant for most of the year, and the city has a high precipitation rate because it is right on the water in the Chesapeake Bay. As a homeowner, you should take special care of your outdoor pipes and HVAC system during the cold winter months when temperatures can dip to 22 degrees at night, well below freezing.
While the existing weather patterns don't present a large risk to your property, you have to consider that hurricanes and severe storms are always a possibility when living on the coast. Floods may damage 25% of all properties in Portsmouth in the near future, and the region faces a severe wind risk from hurricanes. Natural disasters are not normally covered by home insurance in Portsmouth, but you can explore add-ons to your policy options.
While searching for a competitive home insurance policy, remember that providers adjust rates based on many factors, including location. In Virginia, Portsmouth homeowners pay an average of $1,635 per year to insure a property. When you compare this rate to the state average, it is higher. However, it's comparable to nearby cities in the Chesapeake Bay area, such as Norfolk and Hampton.
Your unique quote for home insurance in Portsmouth will reflect factors such as the age of your home, the value of your property and your credit history. That's why it's important to research multiple options from different providers on VIU by HUB so that you can find a policy that works within your budget.
Whether you own a modest 2-bedroom condo or an expansive property by the historic Portsmouth Naval Base, it's smart to protect your investment with a comprehensive home insurance policy. You'll feel a sense of security when you get a policy that covers these areas:
You are responsible for keeping your home up to code and in good shape. Insurance providers won't cover damage due to negligence or bug infestations like termites. As long as you stay on top of regular repairs, you can relax knowing that your insurance has you covered in case of unexpected accidents.
Save time and reduce the stress of shopping for home insurance by using VIU by HUB. Compare competitive policies to find home insurance in Portsmouth that meets your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
