For Virginia homeowners, our carrier partner offers a unique product called House & Property insurance. This highly customizable policy can cover:

• Your dwelling.
• Other structures on your property, like outbuildings and sidewalks.
• Your personal property (i.e., the contents of your home).

House & Property insurance can then be tailored for how you use your home. Homeowners who occupy their house can get coverage for:

• Additional living expenses if their home has been made temporarily uninhabitable by a covered event.
• Their personal liability, in case someone sues them for property damage or bodily injury.
• Their guests’ medical bills.

Homeowners who rent their houses to others can choose to get fair rental value coverage. It guards against lost rental income if a covered peril makes it impossible for tenants to live in the home.

Our House & Property insurance covers your home on an open-perils basis. This means you’re insured for damage unless the event that causes it is specifically excluded from coverage. Your House & Property policy protects you from some of the most common kinds of loss, including wind, hail, and fire.

The most recent data shows the average Virginian pays $1,107 per year for home insurance. What you pay depends on several factors, including your home’s:

• Location.
• Age (year built).
• Square footage.
• Proximity to risk.

Virginia state law doesn’t mandate homeowners to get insurance. However, mortgage lenders usually require you to have a policy because they want to make sure their investment is protected. Most of the time, their documents refer to hazard insurance, which is the portion of your coverage that pays for damage to the structure of your home.

Even if you aren’t required to get home insurance in Virginia, coverage is fundamental for protecting your most important asset: your home.

Virginia's hot summers, cold snowy winters, and chances for tornadoes, tropical storms, and hurricanes make insuring your home important. However, they also make policies expensive. And with climate change causing more severe storms, you can expect rates to continue to go up.

You can easily tailor a Virginia House & Property policy to your particular needs through endorsements that add, remove, or otherwise modify your coverage. For example, you may be able to add endorsements that:

• Provide additional coverage for home computers.
• Cover damage caused by water backup or sump pump overflow.
• Insure your personal property for its replacement cost.
• Add liability and medical payments coverage for non-owner-occupied homes.
• Cover golf carts and related liability.
• Provide animal liability coverage.

And if you have a high-value home in Virginia, you may want to look at our Signature Coverage Collection.