# Typical Landlord Insurance Prices in Virginia — Full Range Breakdown _Last updated: 2026-10-05T07:43:17Z_ > What does landlord insurance cost in Virginia? Most projects fall inside $7,854–$27,488 per year, and $14,693 is a fair midpoint. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,854 | | Typical | ~$14,693 | | High | ~$27,488 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,854 | ~$17,671 | ~$27,488 | | Best-qualified applicant scenario | ~$6,440 | ~$16,002 | ~$25,564 | | Weaker-credit scenario | ~$8,482 | ~$22,108 | ~$35,734 | | Origination and third-party fees | ~$942 | ~$4,182 | ~$7,422 | | Shorter term with higher payment | ~$8,011 | ~$20,224 | ~$32,436 | ## What Landlord Insurance typically costs Landlord Insurance does not carry one published price. Across Virginia, most jobs fall between $7,854 and $27,488 per year, and the number in between, about $14,693, is the fairest single figure to plan around. ## What moves the price of landlord insurance The scope you agree drives most of the cost of landlord insurance. Every extra task, upgraded material or access complication adds labour and risk, and the provider prices that risk into the quote. ## Timing your landlord insurance For landlord insurance, same-day and after-hours call-outs sit at the top of the range. A standard appointment booked in advance gives you the best chance of the typical figure. ## How to compare quotes for landlord insurance For landlord insurance, a fair comparison means identical scope. If one quote includes permits and cleanup and another does not, the cheaper total may not be cheaper at all. ## Budgeting for landlord insurance For landlord insurance, the number to hold in reserve is the high end, $27,488. The number to expect is around $14,693. Budgeting for both keeps the decision calm. ## Frequently asked questions ### How much does landlord insurance cost? Most landlord insurance falls between $7,854 and $27,488, with a typical figure near $14,693 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For Virginia, ask a provider to put that in writing with the quote. ### What affects the price of landlord insurance? Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. Providers serving Virginia can tell you how it affects a typical job. ### Is Landlord Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in Virginia can change the detail, so compare nearby quotes. ### How many quotes should I get for landlord insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across Virginia, so confirm them with the provider you hire. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/virginia/tax-preparation/) - [Personal Loans](/virginia/personal-loans/) - [Auto Loans](/virginia/auto-loans/) - [Student Loans](/virginia/student-loans/) - [Business Loans](/virginia/business-loans/) - [Mortgages](/virginia/mortgages/) - [Alabama](/alabama/landlord-insurance/) - [Alaska](/alaska/landlord-insurance/) - [Arizona](/arizona/landlord-insurance/) - [Arkansas](/arkansas/landlord-insurance/) - [California](/california/landlord-insurance/) - [Colorado](/colorado/landlord-insurance/) - [Connecticut](/connecticut/landlord-insurance/) - [Delaware](/delaware/landlord-insurance/) - [District of Columbia](/district-of-columbia/landlord-insurance/) - [Florida](/florida/landlord-insurance/) - [Georgia](/georgia/landlord-insurance/) - [Hawaii](/hawaii/landlord-insurance/) - [Idaho](/idaho/landlord-insurance/) - [Illinois](/illinois/landlord-insurance/) - [Indiana](/indiana/landlord-insurance/) - [Iowa](/iowa/landlord-insurance/) - [Kansas](/kansas/landlord-insurance/) - [Kentucky](/kentucky/landlord-insurance/) - [Louisiana](/louisiana/landlord-insurance/) - [Maine](/maine/landlord-insurance/) - [Maryland](/maryland/landlord-insurance/) - [Massachusetts](/massachusetts/landlord-insurance/) - [Michigan](/michigan/landlord-insurance/) - [Minnesota](/minnesota/landlord-insurance/) - [Mississippi](/mississippi/landlord-insurance/) - [Missouri](/missouri/landlord-insurance/) - [Montana](/montana/landlord-insurance/) - [Nebraska](/nebraska/landlord-insurance/) - [Nevada](/nevada/landlord-insurance/) - [New Hampshire](/new-hampshire/landlord-insurance/) - [New Jersey](/new-jersey/landlord-insurance/) - [New Mexico](/new-mexico/landlord-insurance/) - [New York](/new-york/landlord-insurance/) - [North Carolina](/north-carolina/landlord-insurance/) - [North Dakota](/north-dakota/landlord-insurance/) - [Ohio](/ohio/landlord-insurance/) - [Oklahoma](/oklahoma/landlord-insurance/) - [Oregon](/oregon/landlord-insurance/) - [Pennsylvania](/pennsylvania/landlord-insurance/) - [Rhode Island](/rhode-island/landlord-insurance/) - [South Carolina](/south-carolina/landlord-insurance/) - [South Dakota](/south-dakota/landlord-insurance/) - [Tennessee](/tennessee/landlord-insurance/) - [Texas](/texas/landlord-insurance/) - [Utah](/utah/landlord-insurance/) - [Vermont](/vermont/landlord-insurance/) - [Virginia](/virginia/landlord-insurance/) - [Washington](/washington/landlord-insurance/) - [West Virginia](/west-virginia/landlord-insurance/) - [Wisconsin](/wisconsin/landlord-insurance/) - [Wyoming](/wyoming/landlord-insurance/) - [Ontario](/ontario/landlord-insurance/) - [Quebec](/quebec/landlord-insurance/) - [British Columbia](/british-columbia/landlord-insurance/) - [Alberta](/alberta/landlord-insurance/) - [Saskatchewan](/saskatchewan/landlord-insurance/) - [Manitoba](/manitoba/landlord-insurance/) - [Nova Scotia](/nova-scotia/landlord-insurance/) - [New Brunswick](/new-brunswick/landlord-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/landlord-insurance/) - [Prince Edward Island](/prince-edward-island/landlord-insurance/) - [Alexandria](/alexandria/) - [Chesapeake](/chesapeake/) - [Hampton](/hampton/) - [Newport News](/newport-news/) - [Norfolk](/norfolk/) - [Richmond](/richmond/) - [Roanoke](/roanoke/) - [Virginia Beach](/virginia-beach/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.