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2024

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Best Homeowners Insurance Agencies in Suffolk, VA

Our Recommended Top 5

We did the research for you!

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

54Reviewed

34Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5911 Harbour View Boulevard, Suffolk, VA 23435

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Sharon Lynch - State Farm Insurance Agent has been serving the insurance needs of homeowners in Suffolk and neighboring communities for more than three decades. She offers home insurance policies that protect properties from vandalism, theft, fire, and other unexpected, unfortunate events. Ms. Lynch doesn't charge for the initial, no-obligation quote, and she can be contacted 24/7. Ms. Lynch also provides assistance with state-to-state transfers and workers' compensation issues. In addition to English, services are available in Tagalog.

  • Multiple Policy Types

3101 American Legion Road, Chesapeake, VA 23321

Expertise.com Rating

Review Sources

Google
4.4 (9)
Facebook
5.0 (4)

Why choose this provider?

JD Auvil, Inc. is an insurance agency serving the Suffolk area. Its team of agents helps clients find homeowners' insurance policies that can help offer peace of mind and security against disasters and losses. As an independent insurance agency, JD Auvil, Inc. works with insurance carriers like Nationwide, AIC, Travelers, Zurich, and Foremost Insurance Group to help clients find the right policy. In addition to homeowners' insurance, the agency also provides auto insurance, business insurance, and life insurance policies.

  • Multiple Policy Types

202 Market St, Suffolk, VA 23434

Expertise.com Rating

Review Sources

Google
4.2 (13)

Why choose this provider?

Located in Virginia, Suffolk Insurance has been providing insurance services and solutions to residents of Suffolk since 1923. It offers a variety of homeowners' insurance policies providing coverage for house owners, condominium owners, renters, and mobile homeowners. Specialty insurance coverages, such as dwelling fire policy, flood policy, personal articles floaters, and personal umbrella, may also be obtained through the agency. It also provides a broad range of insurance products for life, health, vehicle, and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

4448 Portsmouth Boulevard, Chesapeake, VA 23321

Expertise.com Rating

Review Sources

Google
4.6 (13)
Facebook
5.0 (3)

Why choose this provider?

Daryl Hines is an insurance agent providing insurance products and solutions to residents of Suffolk and the surrounding areas. He has nearly 30 years of experience as an agent and is a former Virginia OSHA board member. He offers homeowners' insurance policies providing coverage for reparation and replacement costs and personal property. He caters to various types of homeowners, including traditional homeowners, condo owners, renters, and landlords. Daryl Hines has bilingual personnel who can help him assist Spanish-speaking clients.

  • Multiple Policy Types

607 W Washington St, Suffolk, VA 23434-5756

Expertise.com Rating

Review Sources

Google
5.0 (61)

Why choose this provider?

Monica Barnes is an insurance agent with Farm Bureau Insurance, who provides insurance products and services covering autos and homes. Clients who are based in Suffolk and the nearby areas are the primary clients of her agency. Monica helps individuals secure their assets with homeowners' insurance. Property policies cover damages caused by natural events such as snow, sleet, windstorm, hail, and lightning. It can also protect families from worrying about the cost of repair or replacement when properties or belongings got destroyed.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
teamlynch.net
5911 Harbour View Boulevard, Suffolk, VA 23435
JD Auvil, Inc.
3101 American Legion Road, Chesapeake, VA 23321
Suffolk Insurance
202 Market St, Suffolk, VA 23434
Daryl Hines - State Farm Insurance Agent
4448 Portsmouth Boulevard, Chesapeake, VA 23321
Monica Barnes - Farm Bureau Insurance Agent
607 W Washington St, Suffolk, VA 23434-5756

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.
  • Does the construction and condition of one's home in Suffolk impact homeowners insurance rates?

    The construction and condition of one's home directly affect homeowners insurance rates. Homes in Suffolk built with durable materials and in good condition often have lower premiums, while those needing repairs or made with riskier materials may face higher rates. Securing accurate coverage, not just based on market value, is essential to avoid underinsurance.

  • What basic homeowners insurance coverages does one need for a home in Suffolk?

    For a home in Suffolk, one should secure insurance that covers the following:

    • The structure of the home, sufficient to rebuild at current construction costs excluding the land's worth.
    • Additional living expenses, in case one needs temporary accommodation during repair.
    • The contents or personal belongings inside the home.
    • Liability protection to shield against potential claims from others in the community.
  • How can Suffolk residents have a cost-effective insurance package for their homes?

    For a cost-effective insurance package, Suffolk homeowners should opt for the highest deductible they can afford, leading to a more competitive premium. Deductibles might be a flat rate or a percentage of the insured value. It's crucial to annually review these figures to confirm they align with one's current income and coverage needs. Once the ideal policy is secured, conducting a home inventory is recommended.

  • How does having a pool impact the homeowners' insurance requirements for a Suffolk property?

    Having a pool in a Suffolk property increases risk exposure for homeowners as they could be held accountable for medical expenses and damages if someone is injured in or around the pool, even if they weren't explicitly invited. Furthermore, a pool enhances the property's value. Consequently, homeowners insurance for a Suffolk residence should encompass both this increased value and elevated risk. Additionally, securing an umbrella policy can offer an extra layer of protection.

  • What can Suffolk homeowners do to prepare for possible damage during hurricane season?

    Residents in Suffolk can create a personal belongings inventory to prepare for probable hurricane damage. They could generate a paper inventory of valuables or video evidence of items and their values. This protects against losses. Given the frequent resource disruptions during hurricanes, it is advised to keep homeowner's insurance accessible both online and in a waterproof envelope.

  • 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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