Bayport Insurance LLC
3711 Huntington Ave, Newport News, VA 23607
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3711 Huntington Ave, Newport News, VA 23607
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753 Thimble Shoals Blvd, Suite 1C, Newport News, VA 23606
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11024 Warwick Blvd, Newport News, VA 23601
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11528 Jefferson Ave, Newport News, VA 23601
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200 High Street, Suite 200, Newport News, VA 23601
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Learn about insurance coverage options specific to Newport News residents.
Get the complete insurance guide for Newport News, VA. Learn about 2025 auto requirements, home insurance costs, flood coverage, and local agents in Hampton Roads.
Home InsuranceNewport News home insurance averages $2,388/year. Learn about flood zones, hurricane coverage, military benefits, and ways to save on your policy.
Car InsuranceNewport News auto insurance requirements changed in 2025. Learn about Virginia's new 50/100/25 minimums, average rates, and coverage options for I-64 commuters.
Virginia requires 50/100/25 coverage as of January 1, 2025: $50,000 per person and $100,000 per accident for bodily injury liability, plus $25,000 for property damage. You also need matching uninsured/underinsured motorist coverage. The state eliminated the uninsured motorist fee option, so insurance is now mandatory for all drivers.
Most Newport News homeowners should strongly consider flood insurance. As a coastal city near the James River and Chesapeake Bay, Newport News faces real flood risk from hurricanes, nor'easters, and heavy rain. Standard home insurance doesn't cover flood damage. Flood insurance averages $700-$740 annually in Virginia—far less than replacing flood-damaged belongings.
Virginia homeowners pay an average of $1,700 to $2,100 annually for home insurance, about 23% below the national average. Your actual cost depends on your home's location, age, construction type, and coverage amount. Newer homes in planned communities typically cost less to insure than older properties near the waterfront.
Independent agents in Newport News offer a significant advantage: they can shop multiple insurance companies for you, comparing rates and coverage options. This often results in better pricing than going to a single carrier directly. Independent agents also understand local risks like coastal weather and Hampton Roads traffic patterns, helping you get appropriate coverage.
Common discounts include bundling home and auto insurance (typically 15-25% savings), installing security or fire alarm systems, maintaining good credit, staying claims-free for 3-5 years, and completing defensive driving courses. Many carriers offer military discounts, relevant for Hampton Roads residents. Ask your agent about all available discounts—they can significantly reduce your premiums.
Replacement cost coverage pays to rebuild your home at current construction costs without depreciation deductions. Actual cash value factors in depreciation, meaning you receive less money. For Newport News homeowners, replacement cost is typically better because construction costs have risen significantly. It costs more but provides fuller protection if you need to rebuild after a major loss.
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