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2024

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Best Homeowners Insurance Agencies in Hampton, VA

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Hampton 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.

85Reviewed

54Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

76 W Mercury Blvd, Hampton, VA 23669

Expertise.com Rating

Review Sources

Google
4.7 (3)

Why choose this provider?

Coastal Insurance Agency grants homeowners insurance' to clients in Hampton and the surrounding areas. The agency assists clients in finding the right insurance policy and coverage to protect their homes from possible financial disasters. Its agents will discuss the value of the home and its contents to avoid being underinsured. Its agents keep clients educated and informed of which risks are covered by their insurance policy and how their deductibles work. The agency also provides life insurance, business insurance, and car insurance.

  • Multiple Policy Types
  • Personal Property Insurance

910 W Mercury Blvd ofc 1a, Hampton, VA 23666

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Mark Crump is an insurance agent with State Farm who assists clients with insurance needs from his office in Hampton. Crump creates various State Farm insurance policies including home insurance plans, which cover property damage resulting from unexpected events such as theft and vandalism. Home insurance also protects personal property such as clothing and jewelry. Mark Crump also provides policies on auto insurance, pet insurance, and life and health insurance.

  • Personal Property Insurance
  • Condos
  • Renter's Insurance

633 Independence Blvd Suite D, Virginia Beach, VA 23462

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
4.0 (2)

Why choose this provider?

Hampton Roads Insurance Services provides insurance for individuals and small businesses in the Hampton metro. It offers homeowners' insurance policies that cover home rebuilding, home loans, additional improvements to the property, and replacement of belongings. Its team of agents is up to date with the building codes in the community and can properly assess the market value of a home. The team also offers insurance products for auto, medical, life, and business coverage. Hampton Roads Insurance Services is a Signature Progressive Agency.

  • Personal Property Insurance
  • Multiple Policy Types

11528 Jefferson Avenue, Newport News, VA 23601

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Teagle Insurance Agency Inc. was established in 1972 and serves homeowners in Hampton. The company covers any natural damage to the structure, from causes such as fires and storms. It deals with different types of residences such as primary homes, secondary homes, condos, and vacant properties. The company also adds coverage for flooding and renters' health. It offers different policies from tenured companies like Mercury Insurance, National General Insurance, and Travelers Insurance. It also serves those looking for automobile and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

4910 West Mercury Boulevard, Hampton, VA 23666

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (3)
Yelp
2.0 (1)

Why choose this provider?

Paula Boyd is a State Farm insurance agent offering property damage coverage for homeowners in Hampton. The company's home insurance program covers common hazards such as lightning, wind, and hail, as well as instances of theft, fires, and vandalism. Beyond the repair or replacement costs for a client's home, it also secures select personal belongings, including keepsakes, hobby items, and house or gardening equipment. A State Farm agent since 2009, Paula also offers auto, life, and health insurance plans.

  • Personal Property Insurance

500 East Main Street, Norfolk, VA 23510

Expertise.com Rating

Review Sources

Google
4.7 (19)
Facebook
5.0 (9)

Why choose this provider?

Bruce Laderberg Insurance Agency is an independent insurance solutions provider operating in the Hampton metro. The company provides coverage for personal, business, life, and health needs that are calculated and determined by rating factors. It offers comprehensive insurance plans for homeowners that help protect physical dwellings from damage, loss, and disasters. It also covers replacements and repairs as well as liability from any injuries experienced by other people inside the property.

  • Multiple Policy Types
  • Flood
  • Earthquake

2021A Cunningham Drive, Hampton, VA 23666

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (5)

Why choose this provider?

De'Geon Briggs is an insurance agent for State Farm who caters to individuals and families in Hampton. With his background as a finance degree holder, Briggs helps his clients understand the value of homeowners' insurance coverage and get the right policies that match their needs. He also offers assistance with automobile and life insurance. Briggs is originally from Newburgh, New York, but he has lived in Hampton for more than 15 years.

  • Multiple Policy Types

21 Manhattan Square, Hampton, VA 23666

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

Morgan Marrow Company is an independent agency that offers insurance coverage to homeowners in Hampton. Homeowners' insurance provides protection from financial loss in case of theft, fire, windstorms, and other perils. This covers the house itself, the garage, any other structure in the property, and personal possessions like appliances, clothing, and furniture. The agency's insurance professionals also provide additional coverage for flood, which is not usually included in a homeowner's insurance policy by default.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Coastal Insurance Agency Inc.
76 W Mercury Blvd, Hampton, VA 23669
Mark Crump - State Farm Insurance Agent
910 W Mercury Blvd ofc 1a, Hampton, VA 23666
Hampton Roads Insurance
633 Independence Blvd Suite D, Virginia Beach, VA 23462
Teagle Insurance Agency Inc.
11528 Jefferson Avenue, Newport News, VA 23601
Paula Boyd - State Farm Insurance Agent
4910 West Mercury Boulevard, Hampton, VA 23666
Bruce Laderberg Insurance Agency
500 East Main Street, Norfolk, VA 23510
De'Geon Briggs - State Farm Insurance Agent
2021A Cunningham Drive, Hampton, VA 23666
Morgan Marrow Company
21 Manhattan Square, Hampton, VA 23666

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 is the deadline to file a homeowners' insurance claim in Hampton?

    In Virginia, including Hampton, the standard timeframe for filing a homeowners insurance claim is 12 months, beginning either from the date of loss or when your insurer closes the claim. While some insurance policies may have shorter timeframes, state law generally prohibits insurance policies from having action limitation periods of less than one year from the time of the loss.

  • In Hampton, how does homeowners' insurance differ from a home warranty?

    Homeowners' insurance primarily protects against losses caused by events such as accidents and natural disasters, including structural damage and personal property loss. A home warranty, on the other hand, focuses on repairing or replacing essential systems and appliances that fail due to normal wear and tear, providing homeowners in Hampton with protection against unexpected repair costs for household equipment.

  • What factors contribute to the cost of home insurance in Hampton?

    The assessed value of the home, its geographical location, security measures in place within the home, the policyholder's credit score, and the specific type of policy chosen, as well as the coverage limits selected, can all have an impact on the cost of home insurance in Hampton. Homeowners can work with insurance agents to tailor insurance policies to their specific needs and budgets.

  • What are the potential savings for senior-occupied homes when it comes to home insurance in Hampton?

    Seniors in Hampton can save between $109 and $111 per year on their home insurance premiums. These savings are specifically tailored to the needs and circumstances of senior homeowners in the Hampton area, making home insurance more affordable and accessible to this demographic. Seniors can determine potential discounts on their home insurance by consulting insurance providers and using online cost estimators.

  • Does homeowners' insurance policy in Hampton provide coverage for water damage from any source?

    No, homeowners' insurance in Hampton typically covers water damage caused by issues such as broken pipes or a leaky roof, but it does not cover flooding. Flood insurance is required for flood-related damages. This extra coverage ensures that you are adequately protected in the event of flooding, which can be a concern in flood-prone areas like Hampton.

  • 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.

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