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2024

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Best Homeowners Insurance Agencies in Norfolk, VA

Our Recommended Top 9

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Our goal is to connect people with the best local professionals. We scored Norfolk 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.

141Reviewed

88Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

15064 Carrollton Blvd Ste N, Carrollton, VA 23314

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

JD Auvil Inc. in Carrolton, Virginia, partners with a trusted portfolio of insurance carriers to provide homeowners in the greater Norfolk area the coverage they need to protect their homes and properties. Its agents tailor comprehensive packages to meet the specific requirements of each homeowner, and they provide expert advice on coverage levels based on the homeowner's risks and the home's replacement value. In addition to standard home insurance that covers property damage and liability for injuries on-site, it also sells separate policies to cover disasters such as earthquakes and floods.

  • Renter's Insurance
  • Earthquake
  • Flood

5627 George Washington Memorial Hwy, Yorktown, VA 23692

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Founded in 1992, Action Insurance Agency Inc. has provided reliable insurance solutions to individuals, homes, and businesses in Norfolk and its surroundings. Its insurance agents offer unique home, rental, and condominium insurance plans that fit each client's lifestyle and financial asset valuation. They also provide access to high-value home insurance policies as well as coverage plans that ensure financial protection against flood or earthquake-related damages. Additionally, Action Insurance Agency Inc. offers auto, commercial, and life insurance solutions.

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

731 J Clyde Morris Blvd Ste D # D, Newport News, VA 23601

Expertise.com Rating

Why choose this provider?

Founded in 1974, Commonwealth Insurance Center is a locally owned, independent insurance agency that has several locations in Virginia and serves the Norfolk, Virginia, metro area. Commonwealth offers many types of home insurance policies, including individual, comprehensive, packaged indemnity, and combined life coverage. The company provides condo insurance with the same types of agreements as those offered to homeowners policies, and renters insurance, which covers personal property lost due to theft, fire, and vandalism. Commonwealth covers personal, auto, motorcycle, commercial, life, health, and umbrella insurance services. The company is a member of the National Association of Professional Insurance Agents.

  • Renter's Insurance
  • Condos
  • Flood

208 Golden Oak Court, Virginia Beach, VA 23452

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Armor Insurance Group is an independently owned insurance service provider that's been offering personal and business coverage plans near Norfolk for over 50 years. Staffed with seasoned insurance agents, it helps homeowners find effective home insurance plans to ensure their assets are protected in case of disastrous events. The agents also assist condominium owners in getting insured against losses arising from vandalism, theft, smoke, and fire damage. Moreover, clients can contact them for flood insurance services.

  • Multiple Policy Types
  • Flood
  • Condos

500 W 21st St Ste 300, Norfolk, VA 23517

Expertise.com Rating

Review Sources

Google
4.4 (9)
Facebook
5.0 (2)

Why choose this provider?

S. L. Nusbaum Insurance Agency Inc. has provided individual and commercial insurance options in the Norfolk, Virginia, area for more than 60 years. Because the independent agency works with multiple carriers, it can provide clients with a customized policy that meets individual needs. One area of specialization is home insurance. Homeowners are protected against such events as vandalism, theft, flood, falling objects, and fire. Additional riders may be added to include special collections, such as art and jewelry. Coverage includes the dwelling and personal belongings as well as damage or injury to another as a result of the insured's property.

  • Renter's Insurance
  • Condos
  • Earthquake

4176 South Plaza Trail, Virginia Beach, VA 23452

Expertise.com Rating

Review Sources

Google
4.7 (29)

Why choose this provider?

Steve Love Insurance Agency Inc. is an independent firm that offers comprehensive insurance solutions to Norfolk clients. The firm's home insurance policy covers common hazards such as fires, storms, hail, and floods. The insurance policy covers personal liability exposure, protecting individuals from situations that can lead to lawsuits. The liability coverage protects property owners if a person falls or gets injured while on the property. Steve Love Insurance Agency also offers insurance policies for cars, boats, and motorcycles.

  • Renter's Insurance
  • Flood
  • Fire

2137 Upton Drive, Virginia Beach, VA 23454

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (7)

Why choose this provider?

James Rogers - State Farm Insurance Agent is dedicated to serving the Norfolk community with a wide range of insurance solutions. He assists customers in choosing the homeowners insurance policy that will serve their needs and lifestyle. He offers coverage for homes, gardens, and personal possessions in an event of a natural emergency, vandalism, theft, fire, or occurrences such as plumbing systems malfunctions. In addition, Mr. Rogers enjoys working with small businesses, catering to their commercial insurance needs.

  • Personal Property Insurance

5215 Colley Ave Ste 126, Norfolk, VA 23508

Expertise.com Rating

Review Sources

Google
4.7 (19)
Facebook
5.0 (13)

Why choose this provider?

Bruce Laderberg Insurance Agency is a home insurance company that has been serving the residents of Norfolk, Virginia, since 1994. As an independent company, it works with more than 35 insurance carriers, such as Safeco, Progressive, and Ohio National Financial Services. The business sells homeowners and renters insurance to cover damage to the home due to a natural disaster, theft of personal items, and relocation caused by a covered incident. Founder Bruce Laderberg has earned many leadership and agent of the year awards across his career, and his company also sells auto, business, and life insurance.

  • Renter's Insurance
  • Condos
  • Earthquake

15111D Carrollton Blvd, Carrollton, VA 23314

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

The Colony Group has served the business and family insurance needs of the Norfolk, Virginia, area for more than 20 years. With three offices, including one in Carrollton, Virginia, the independent agency offers homeowners insurance, with a focus on modern homeownership. Protection packages include a guaranteed replacement cost of the residence, replacement cost settlement for contents located inside the property, and condominium coverage. With the primary goal of creating long term relationships in the surrounding local area, The Colony Group is also a member of the National Association of Professional Insurance Agents.

  • Renter's Insurance
  • Flood
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
JD Auvil, Inc.
15064 Carrollton Blvd Ste N, Carrollton, VA 23314
Action Insurance Agency, Inc.
5627 George Washington Memorial Hwy, Yorktown, VA 23692
Commonwealth Insurance Center
731 J Clyde Morris Blvd Ste D # D, Newport News, VA 23601
Armor Insurance Group
208 Golden Oak Court, Virginia Beach, VA 23452
S. L. Nusbaum Insurance Agency, Inc.
500 W 21st St Ste 300, Norfolk, VA 23517
Steve Love Insurance Agency, Inc.
4176 South Plaza Trail, Virginia Beach, VA 23452
James Rogers - State Farm
2137 Upton Drive, Virginia Beach, VA 23454
Bruce Laderberg Insurance Agency
5215 Colley Ave Ste 126, Norfolk, VA 23508
The Colony Group
15111D Carrollton Blvd, Carrollton, VA 23314

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 average cost of homeowners’ insurance in Norfolk?

    The average cost of homeowners' insurance in Norfolk is $2,014 for a dwelling valued at $200,000 and $2,681 for $300,000 of dwelling coverage. Homeowners with excellent credit scores face an average expense of $1,725 for their home insurance, making it $4,122 more affordable compared to those with a lower credit score. The average cost of homeowners' insurance in the city varies depending on the coverage level homeowners choose.

  • What are the common perils that are not covered by homeowners’ insurance in Norfolk?

    Some common perils that might not be covered by homeowners' insurance in Norfolk include damages caused by surface water or water flowing beneath the ground's surface. Damages linked to floods usually fall outside the scope of typical homeowners' insurance. Harm resulting from sewer or drain backups might also lack coverage in a standard policy. It is highly advised that homeowners explore supplementary coverage options that go beyond the standard homeowners' insurance.

  • Is it necessary for Norfolk residents who engage in home-sharing through platforms like Airbnb or Vrbo to acquire extra insurance to address potential liabilities arising from guests staying at their property?

    Yes, because many standard homeowners' insurance policies do not include protection for business endeavors like leasing out a residence. Furthermore, certain insurance companies in Norfolk view the act of home rental as a heightened risk and might enforce higher premiums or even refuse to offer coverage. To find the coverage that best fits their needs, homeowners must be clear about their intention to host on a home-sharing platform.

  • What kinds of residential properties require homeowners' insurance in Norfolk?

    Homeowners' insurance is typically necessary for various types of residential properties in Norfolk, including frame houses, concrete block structure homes, and manufactured homes. Condos, townhouses, and secondary homes also need to be insured to protect owners against financial risks caused by unexpected events. Factors such as the property's location, value, and contents influence the specific coverage needed.

  • What are the top Norfolk homeowners’ insurance providers and what services do they provide?

    State Farm stands as one of the leading homeowners' insurance providers in Norfolk. Its primary strength lies in the provision of policy bundle discounts, such as for drivers' and homeowners' policies. Allstate presents personalized policy choices, boasting a wide range of coverage options crafted to suit individual client requirements. Catering particularly to military families and veterans, USAA delivers remarkable value, coupled with an assortment of discounts for well-protected residences.

  • 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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