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2024

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Best Homeowners Insurance Agencies in Centreville, VA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Centreville Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

48Reviewed

31Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

14115 Robert Paris Court, Chantilly, VA 20151

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Edward McCarthy - Farmers Insurance Agent is an insurance agency operating in Centreville. The company provides clients with comprehensive and customizable insurance options for their homes, cars, and businesses. It offers an insurance policy for homeowners that protects homes and personal possessions from unexpected damages, natural disasters, accidents, and losses. Edward McCarthy has over 25 years of industry experience and is committed to delivering personalized insurance solutions with a straightforward approach.

  • Multiple Policy Types

3998 Fair Ridge Dr 200, Fairfax, VA 22033

Expertise.com Rating

Review Sources

Google
4.9 (32)
Yelp
5.0 (5)

Why choose this provider?

R H Nicholson & Company, Inc., provides personal and commercial insurance solutions for clients in Centreville and the rest of the region since 1963. Its team of independent insurance agents helps clients choose from the multiple insurance carriers that the company represents. They offer the right homeowners' insurance to protect customers' private residences from financial losses and damages due to disasters. In addition to the standard homeowners' insurance policy, the company also offers coverages for valuable items such as jewelry.

  • Multiple Policy Types

14701 Lee Highway, Centreville, VA 20121

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (4)
Yelp
4.0 (4)

Why choose this provider?

Bill Thyen is an experienced State Farm insurance agent that has been representing the homeowners' insurance agency to the Centreville community since 2001. A BA Finance graduate from Loyola College, Thyen uses his knowledge and experience in providing the city's homeowners with options that meet their home insurance needs. One of these is writing a home and auto insurance policy that can protect both their residential homes and private vehicles. Thyen also offers life insurance plans.

  • Multiple Policy Types

14130-J Sullyfield Circle, Chantilly, VA 20151

Expertise.com Rating

Review Sources

Google
4.4 (13)
Facebook
4.8 (9)

Why choose this provider?

Coverage Inc. is an independent insurance provider located in Centreville and nearby areas. Its homeowners' insurance mitigates losses in case of fire, vandalism, theft, or even pipe leaks. Medical costs of visitors indirectly injured within the property are covered with personal liability protection. Homeowners in temporary residences are given additional living expenses if their insured home is rendered uninhabitable due to repairs of damages caused by covered events. Coverage Inc. ensures accessibility with a 24/7 contact center.

  • Multiple Policy Types

4433 Brookfield Corporate Dr. Suite A, Chantilly, VA 20151

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (5)
Yelp
5.0 (2)

Why choose this provider?

Quest Insurance is an independent insurance agency that provides insurance plans to clients in the Centreville metro. One of its offerings is its homeowners' insurance package that helps clients protect their homes and properties from natural disasters, fires, damage, and loss. It also covers any liability clients may incur if an injury or accident happens to other people within the premises of the home. The agency also offers packages that protect condos, boats, and motor vehicles.

  • Multiple Policy Types

8213 Sudley Rd, Suite 201, Manassas, VA 20109

Expertise.com Rating

Review Sources

Google
4.4 (14)

Why choose this provider?

Aguilar Insurance Agency specializes in personal and business insurance solutions for clients in Centreville and the northern areas of the region. The coverage options available for homeowners' insurance policies include compensation in case of financial loss or damages to the house and its contents due to fire, water back-up, flood, and theft. The policy also covers additional living expenses, personal liability, and excess liability. The company has been in the business since 2006.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

13880 Braddock Road, Centreville, VA 20121

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Keener Insurance Agency Inc. is a family-owned local insurance company in Centreville founded in 1973. It provides homeowners' insurance, which offers a wide variety of coverage including loss of use, personal property, personal liability, and medical payments to others who are accidentally injured on the premises. Keener Insurance Agency also offers products that guarantee full protection features like the UltraCover Policy from Erie Insurance Group, Platinum and Platinum Plus from Travelers Insurance, and the home policy with HO 101 Signature Home Endorsement from Grange Insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Edward McCarthy - Farmers Insurance Agent
14115 Robert Paris Court, Chantilly, VA 20151
R H Nicholson & Company, Inc.
3998 Fair Ridge Dr 200, Fairfax, VA 22033
Bill Thyen - State Farm Insurance Agent
14701 Lee Highway, Centreville, VA 20121
Coverage Inc
14130-J Sullyfield Circle, Chantilly, VA 20151
Quest Insurance
4433 Brookfield Corporate Dr. Suite A, Chantilly, VA 20151
Aguilar Insurance Agency
8213 Sudley Rd, Suite 201, Manassas, VA 20109
Keener Insurance Agency Inc.
13880 Braddock Road, Centreville, VA 20121

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the average homeowners’ insurance costs in Centreville?

    On average, residents of Centreville pay an annual homeowners’ insurance cost of $1,372. This is significantly higher than Virginia's average annual premium of $999. In fact, Centreville is one of the cities in the state with the highest insurance costs, along with Hampton, Newport News, Norfolk, Portsmouth, Suffolk, and Virginia Beach.

  • What type of homes have lower Centreville homeowners’ insurance costs?

    Newly constructed and masonry-type homes in Centreville may entitle homeowners to greater savings on their homeowners’ insurance. Other factors that may contribute to savings include fire-resistive home features, impact-resistant windows, and proximity to public safety departments such as police stations. Conversely, features such as a swimming pool may lead to higher insurance premiums.

  • Does Centreville homeowners’ insurance cover damage to exterior utility lines?

    Most standard homeowners insurance policies in Centreville do not cover damage to exterior underground service and utility lines, such as natural gas, propane, water, and sewer pipes. It may be prudent for homeowners in the metro to purchase additional coverage in the event of animal interference, corrosion, wear and tear, and damage brought by tree roots and the weight of vehicles.

  • What property damage is not covered by Centreville homeowners’ insurance policies?

    Standard homeowners’ insurance policies in Centreville typically do not cover damage caused by earth movement such as earthquakes and sinkholes, power failure, neglect and intentional acts, and nuclear hazards. Other types of damage that are not typically covered include those caused by governmental action, including the destruction, confiscation, or seizure of property by an authority.

  • What are the benefits of working with an independent insurance agent in Centreville?

    Those in Centreville who wish to take out homeowners’ insurance may benefit from working with an independent insurance agent, as the latter helps compare policies and quotes from multiple carriers. An independent agent may also assist with homeowners’ unique coverage needs. There are more than 460 independent insurance agencies in Virginia.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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