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2024

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Best Homeowners Insurance Agencies in Virginia

Our Recommended Top 13

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Virginia Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

4884Reviewed

2935Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Midlothian

Expertise.com Rating

Review Sources

Facebook
4.8 (50)
Google
4.9 (35)

Why choose this provider?

Springer Insurance has been serving the State of Virginia since it expanded its operations in 1991. The independent agency offers the best selection of personal and commercial insurance products, from homeowners' and tenant's insurance to coverage plans for agricultural businesses. It has an in-house claims manager who guides clients through the claim filing process for policies from carriers such as Safeco Insurance and Liberty Mutual. Springer Insurance has served over 6,000 clients throughout Virginia and Texas.

Arlington

Expertise.com Rating

Review Sources

Google
4.9 (210)
Facebook
5.0 (25)
Yelp
5.0 (5)

Why choose this provider?

Alex Nguyen is the best State Farm insurance agent based in Virginia. He and his staff provide businesses and residents with the best selection of insurance products, ranging from homeowners' and renters' insurance to coverage plans tailored for small businesses. They help clients customize their choice of insurance with added coverage and policies that suit their specifications, such as homeowners' insurance with a personal articles policy covering valuable collectibles. State Farm awarded Alex and his office the State Farm Honor Club award.

Richmond

Expertise.com Rating

Review Sources

Google
4.7 (46)
Yelp
5.0 (2)

Why choose this provider?

Sweeney Insurance Agency Inc. is the best agency providing communities throughout Virginia with personal and commercial insurance solutions. These solutions range from policies covering a client's home and personal belongings to policies insuring a business' fleet of service vehicles. Its agents perform one-on-one strategy meetings and policy coverage assessments to help clients find and compare coverage plans from various carriers. They also check in with current policyholders every six months to see if their coverage still matches their criteria.

Richmond

Expertise.com Rating

Why choose this provider?

Myra Howard is one of the best State Farm insurance agents serving Virginia. She uses over a decade of industry experience to help clients find coverage plans for their homes, vehicles, and personal health. She and her staff also offer financial services such as banking and mutual funds investments. Myra supports her community through her membership in local organizations like the Richmond LGBTQ Chamber. She also supports charitable organizations such as Diversity Richmond and the American Cancer Society.

Alexandria

Expertise.com Rating

Why choose this provider?

Kinneman Insurance is one of the best agencies that has been catering to communities throughout Virginia since 1997. It offers a wide selection of insurance products, from homeowners' and car insurance policies paired together in a cheap bundle to industry-specific business insurance for establishments like accounting and consulting firms. The agency reviews existing policies with clients 60 days before renewal to help clientside changes to its terms. Kinneman Insurance supports charitable organizations like Make Kids Safe and Mothers Against Drunk Driving.

Virginia Beach

Expertise.com Rating

Why choose this provider?

Pierre Granger is an insurance agent working for State Farm. He and his staff are the best in Virginia and provide communities throughout the region with homeowners', automobile, business, and life insurance. They help clients review their coverage needs and find or design policies matching their criteria, from homeowners' policies with added flood coverage to individual health insurance coupled with a pet medical policy. Financial services, such as banking and mutual funds investments, are also available. Pierre is fluent in English and French.

Richmond

Expertise.com Rating

Review Sources

Google
5.0 (247)
Facebook
4.5 (8)
Yelp
5.0 (1)

Why choose this provider?

Matthew Becker is an insurance agent working for State Farm. He and his staff provide clients in Virginia with the best lines of personal and commercial insurance products, such as homeowners', personal automobile, antique car, and individual and group life insurance. They also help clients avail themselves of cheap insurance bundles, such as homeowners' insurance paired with personal vehicle policies. Becker and his team of insurance professionals have over 30 years of combined industry experience.

Virginia Beach

Expertise.com Rating

Review Sources

Google
5.0 (519)
Facebook
5.0 (9)
Yelp
4.3 (6)

Why choose this provider?

Gina Lynch is a second-generation State Farm insurance agent providing Virginia residents with the best selection of insurance options. Her agency offers homeowners', automobile, life, and health insurance. Gina and her staff assist clients in determining their desired coverage level and finding policies that meet their criteria, from homeowners' insurance with personal articles policies to health insurance bundled together with pet medical insurance. Gina has over a decade of industry experience. She is also fluent in German and Portuguese.

Richmond

Expertise.com Rating

Why choose this provider?

TR Insurance Agency provides residential and commercial clientele in Virginia with the best custom risk management solutions. It has over 20 years of experience matching clients with policies suited to their coverage needs, such as homeowners' insurance that includes the loss of use of the home and coverage plans covering a restaurant's liability for on-site accidents. The company president, Tamika Rose, holds the Construction Risk Insurance Specialist designation from the International Risk Management Institute Inc.

Chesapeake

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (5)
Yelp
1.0 (1)

Why choose this provider?

Cova Insurance has been providing residential and commercial clientele in Virginia with the best selection of insurance solutions since 2019. Its agents consult closely with individuals and families to recommend insurance solutions such as homeowners' and renters' insurance according to their current and future coverage needs. They also help businesses in various industries, including trucking and marine transportation, through insurance products that cover financial losses due to accidents and operation errors. The agency shops for insurance policies from carriers like Progressive and Erie Insurance.

Richmond

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
5.0 (11)

Why choose this provider?

Sanford Insurance has been serving communities throughout the state of Virginia since 1988. Its agents help clients shop from over 30 carriers for the best insurance products suited to their needs. Its products range from homeowners' insurance covering repair and replacement costs to special peril protection policies for churches and their associated schools and daycares. The independent agency also helps clients change their current policies. Founder Mike Sanford serves as the president of the Professional Insurance Agents of Virginia/D.C.

Lynchburg

Expertise.com Rating

Why choose this provider?

Mallori Teegarden is a State Farm insurance agent providing Virginia with the best selection of personal and commercial insurance products. These products range from homeowners' insurance customized with personal articles policies for valuable belongings to workers' compensation policies tailored for small businesses. Mallori and her staff also offer banking services. Mallori is fluent in English and French. She supports her local community as a member of the Lynchburg Morning Rotary and The Association of Junior Leagues International, Inc.

Newport News

Expertise.com Rating

Review Sources

Google
4.9 (162)
Facebook
5.0 (32)

Why choose this provider?

Goodrich & Watson Insurers, Inc., is one of the best independent agencies providing Virginia residents and businesses with tailored insurance products. They shop from several insurance carriers for products, such as homeowners' insurance with high-value item coverage, personal auto and policies for businesses like Restaurants, Contractors and Professional Liability. For homeowners' insurance, its agents perform annual policy reviews to help policyholders change or improve their current policies according to their specifications. Company President Dan Goodrich served as a past-president of the Independent Insurance Agents of VA-Peninsula

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Springer Insurance
5309 Commonwealth Centre Pkwy Suite 102, Midlothian, VA 23112
Alex Nguyen - State Farm
4600 South Four Mile Run Drive, Arlington, VA 22204
Sweeney Insurance Agency, Inc.
510 East Belt Boulevard, Richmond, VA 23224
Myra Howard
7202 Glen Forest Drive Ste 310, Richmond, VA 23226
Kinneman Insurance
50 South Pickett Street, Alexandria, VA 22304
Pierre Granger
5705 Lynnhaven Parkway, Suite 103, Virginia Beach, VA 23464
Matthew Becker
1415 W Main Street, Richmond, VA 23220
Gina Lynch
372 S Independence Blvd Suite 101, Virginia Beach, VA 23452
TR Insurance Agency
919 E. Main St. #1000, Richmond, VA 23319
Cova Insurance
900 Stanhope Gardens #100, Chesapeake, VA 23320
Sanford Insurance
6021 Staples Mill Rd, Richmond, VA 23228
Mallori Teegarden - State Farm Insurance Agent
114 Tradewynd Drive, Lynchburg, VA 24502
Goodrich & Watson Insurers, Inc.
11837 Rock Landing Drive Suite 102, Newport News, VA 23606

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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