Protect Your Home With VA Homeowners Insurance
Virginia can experience natural disasters like flooding, hurricanes or even tornados. That’s why if you have a home in the Old Domion State, it’s important to have good Virginia
homeowners insurance that will keep it protected. The Hartford has been helping Virginia homeowners get the coverage they need for over 200 years. Our specialists can make sure you get the protection you’re looking for - whether you live in Virginia Beach, Norfolk, Chesapeake, Richmond, Arlington or anywhere else in the state.
There are plenty of homeowners insurance companies to choose from, but not all of them offer the same coverages or discounts. To learn more about how we can help protect your Virginia home, speak to one of our specialists at
877-422-2345 or
get a quote online.
Standard Coverages Under Homeowners Insurance in Virginia
When getting homeowners insurance, Virginia residents can benefit from these standard coverages with us:
Dwelling coverage to help protect your home and the structures attached to it. For example, if there’s damage to your plumbing from a covered loss, this coverage can help pay to repair it.
Other structures coverage to help protect buildings on your property that are not connected to your home. So, if a storm damages your shed, this coverage can help pay to fix it.
Personal property coverage to help protect the personal possessions you have in your home. This coverage can help cover the costs to replace furniture and appliances if a fire damages your home’s interior.
Loss of use coverage to help pay your living expenses if you have to temporarily move out of your home while it’s getting repaired from a covered loss.
Liability coverage to help pay for your legal defense and court judgments if someone sues you due to bodily injury or property damage at your home. It can even help cover you when you’re away from your home. For instance, if you’re playing golf and your ball hits someone’s car, this coverage can help pay for the damage.
Medical payments coverage to help cover treatment costs if someone gets injured while on your property. For example, if your friend’s son trips at your home, breaks his leg and needs medical treatment, this coverage can help pay his medical bills.2
Additional Coverage to Add to VA Homeowners Insurance
Home insurers, like us, want to provide you with all the coverages you need. That’s why we give you the option to add more VA homeowners insurance coverages to your policy. With our Home Advantage Package,
3 you’ll get:
“New for Old” Protection to help cover your possessions if they get destroyed. For instance, after a fire ruins your personal possessions in your home, this coverage can replace them with brand new ones of the same quality.‡‡4
Personal injury liability to help cover costs from libel or slander claims. So, if your friend sues you for damaging their reputation on social media, this coverage can help cover the costs.
Reimbursement for replacing locks if someone steals your keys or you lose them. This covers you up to $500 with a $100 deductible.
Identity fraud expense coverage to compensate you for out-of-pocket expenses up to $25,000 if you suffer from identity theft. This helps cover lost income and legal fees.
For even more protection, you can buy our Home Advantage Plus Package. This includes all the benefits of our Home Advantage package, with additional coverages like:5
Disappearing Property Deductible‡‡ to reward you every three years that you don’t have an insurance claim. For each three year period, we’ll reduce your deductible by $50.6 We’ll then drop it another $50 for each year you go without filing a claim.
Increased identity fraud expense coverage to compensate you for lost income and legal fees up to $50,000 if you suffer from identity theft.
Some other coverage options you can add to your policy are:
Equipment breakdown coverage to help cover mechanical or electrical breakdown of your appliances and electronics. This doesn’t include coverage for normal wear and tear. So, if your kitchen stove breaks, this coverage can help pay for the repair or replacement costs. Keep in mind that this coverage doesn’t cover normal wear and tear.7
Valuable items blanket which gives you extra protection for certain valuables. So, if your jewelry is stolen but not insured, this coverage can help cover its replacement costs.
Top 10 Virginia Home Protection Tips
Once you’ve selected the right Virginia home insurance, you shouldn’t stop there. In fact, you may be wondering how to protect your Virginia home even further. Following these tips can help: 8
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Keep your home free of oily rags and trash buildup.
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Do not store combustible items in your attic, basement or any other area where heat builds up.
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Buy a fire extinguisher and keep it handy.
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Practice home fire drills with your family.
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Have a professional install your woodstove.
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Always keep your stairs in good condition.
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Keep records of all the serial numbers for your appliances or electronics.
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Do not hide your keys outside.
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Add window locks and peepholes.
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Never smoke in bed.
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Make sure your home’s exterior is well lit.
How Much Is Homeowners Insurance in Virginia?
Historically, national insurance rates go up every year. To give you an idea of what homeowners insurance in Virginia costs, take a look this chart with information from the Insurance Information Institute: