Austin Ins Agency Inc The W Ted
3917 Blenheim Blvd 12A, Fairfax, VA 22030
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Fairfax households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3917 Blenheim Blvd 12A, Fairfax, VA 22030
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3917 Old Lee Highway, Suite 12A, Fairfax, VA 22030
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11350 Random Hills Road, #800, Fairfax, VA 22030
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4100 Monument Corner Drive, Suite 500, Fairfax, VA 22030
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10560 Main St Ste 410-H, Fairfax, VA 22030
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4103 Chain Bridge Road, Suite 201, Fairfax, VA 22030
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10680 Main Street, Suite 110, Fairfax, VA 22030
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Learn about insurance coverage options specific to Fairfax residents.
Fairfax home insurance averages $1,920/year. Learn about coverage for historic homes, flood risks, and how to save on premiums in this DC suburb.
General Insurance EducationComplete insurance guide for Fairfax VA residents. Learn about Virginia's new 2025 auto requirements, home coverage for $700K+ homes, and life insurance.
Car InsuranceComplete guide to Fairfax auto insurance: Virginia's new 50/100/25 minimums, I-66 driving risks, average costs, and coverage tips for DC-area commuters.
Fairfax homeowners typically pay around $1,920 per year ($160 monthly) for home insurance, which is below the Virginia state average of $2,151 annually. Your actual cost depends on your home's value, age, condition, and specific location within the city. With median home prices around $775,000 in Fairfax, you'll likely need higher dwelling coverage than the state average, which can increase your premium.
While not required by Virginia law, flood insurance is essential if your Fairfax home is in or near a floodplain, particularly in areas near Cameron Run or other waterways. Standard homeowners insurance doesn't cover flood damage—not even one drop. Since just one inch of water can cause $25,000 in damage and Fairfax County experiences urban and riverine flooding, it's worth checking your property's flood risk. Fairfax County's participation in the Community Rating System means you automatically get a 20% discount on National Flood Insurance Program premiums.
No, Virginia doesn't legally require homeowners insurance. However, if you have a mortgage, your lender will absolutely require you to carry insurance, specifically fire insurance at minimum. Even if you own your home outright, going without insurance is financially risky—you'd be personally responsible for rebuilding or repairing your home after any disaster, which could easily cost hundreds of thousands of dollars in Fairfax's expensive real estate market.
The most effective way to save is bundling your home and auto insurance with the same company, which typically saves 10-15% on both policies—potentially $400-500 annually. Other strategies include increasing your deductible from $500 to $1,000 or $2,500, installing security systems or smart home devices, maintaining good credit, and asking about employer or professional group discounts. Many DC area employers and George Mason University offer group insurance rates that can significantly reduce your costs.
Virginia requires insurers to offer open perils (all-risk) coverage for your dwelling and other structures, meaning your policy covers any direct physical loss unless specifically excluded. Your policy typically includes dwelling coverage for your home's structure, other structures coverage for detached garages or sheds, personal property coverage for your belongings, liability coverage if someone is injured on your property, medical payments coverage for minor injuries, and additional living expenses if you must temporarily relocate due to covered damage. Notable exclusions include flood damage, earthquakes, and normal wear and tear.
Yes, historic properties in Fairfax's established neighborhoods often require higher replacement cost coverage because period-specific architectural details, materials, and craftsmanship cost significantly more to replicate than standard construction. You should insure based on replacement cost—what it would actually cost to rebuild your specific home with comparable materials—not just market value. Consider getting an appraisal from a specialist in historic properties to ensure you have adequate coverage, especially given Fairfax's rapidly appreciating home values.
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