Homeowners insurance for Virginia*

Ready to protect your Virginia home? Get a quote today.

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.

*That's where we come in. We're a different kind of insurance company, and we've reimagined our policy forms to provide coverage that's both affordable and flexible. In Virginia, that's the House & Property policy, also called an HD3 policy.

House & Property insurance starts with a base policy that's similar to dwelling fire insurance, also known as landlord insurance. It covers homeowners who rent their house to others. Homeowners who live in their house full or part time add an owner-occupied endorsement to get coverage more like an HO3 policy, or standard home insurance.

Want to see just how easy our process is? Enter your address now or give us a call at 855-717-0022.

Why insure your Virginia home with Kin

We’re a licensed Virginia insurance company that’s earned the rating A - Exceptional from Demotech, Inc.** 


Why does that matter? Because it means we have the financial strength to be there for you when the chips are down. Essentially, our rating indicates we have the ability to pay claims even in a disaster.

For Virginia homeowners, we’ve developed a unique product called House & Property insurance. This highly customizable policy can cover:

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

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.

Do you have a high-value home? Then you may want to our Signature Coverage Collection.

How much does homeowners insurance cost in Virginia?

Our 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.

  • Square footage.

  • Proximity to risk.

Our attention to these and other factors is one reason our members often save money on their insurance. By using technology to mine key insurance data, we identify your home’s specific risks and determine a more accurate premium. 

How to save money when insuring your home

Saving on your home insurance in Virginia usually starts with discounts. When you get a House & Property policy, you can earn discounts and premium credits for:

  • Installing water leak sensors, burglar alarms, and fire prevention devices.

  • Avioding non-catastrophic and non-weather claims.

  • Choosing an e-policy.

  • Mitigating your risk for wind damage.

Another option to lower your premium is to increase your deductible. When you choose higher deductibles, you take on more of the financial burden in a loss. Insurance companies (Kin included!) typically lower your premium when you do this. But be careful – only choose a deductible you can afford to pay if disaster strikes.

House & Property insurance deductibles

Home & Property insurance has three separate deductibles in Virginia. The first is the standard deductible, also called the all other perils, or AOP, deductible. For that, you can choose one of the following options:

  • $500

  • $1,000

  • $2,000

  • $5,000

  • $10,000

In addition to an AOP deductible, you may also have a hurricane deductible and a wind/hail deductible. These can either come as a flat rate or a percentage of your Coverage A limits. We offer these hurricane and wind/hail deductible options are 1% - 5%, or 10%.

Hurricane and wind/hail deductibles typically only apply in certain circumstances. Before you choose your deductible amount, be sure to consider how much risk you face for the type of damage that triggers each deductible and how much you can afford to pay in a catastrophe claim.

Is home insurance required in Virginia?

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.

Top risks for Virginia homeowners


The average annual number of tornadoes in Virginia is 18.

Severe storms

Virginia typically sees 35 to 45 days with thunderstorms.

Tropical storms

A tropical storm or its remnants hits Virginia once every 2.3 years.

How to buy a House & Property policy in Virginia

Between our best-in-class technology and outstanding Kinfolk, we make it easy to insure your home. You can get a quick, no-obligation quote simply by entering your address.

If you prefer getting advice from a professional, call our team at 855-717-0022. Any one of our licensed agents will be happy to help you get the right home insurance for you.

**Our Virginia policies are through Kin Interinsurance Nexus Exchange and our agency is Kin Insurance Network Distributor, LLC.  We operate as an excess and surplus lines producer, and our agency number is 156379.

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