Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Chesapeake

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

143Reviewed

89Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3333 Station House Rd A, Chesapeake, VA 23321

Expertise.com Rating

Review Sources

Google
4.7 (20)
Facebook
5.0 (4)

Why choose this provider?

Marc Kincaid - State Farm Insurance Agent is an independently-owned agency that provides insurance solutions for clients in Chesapeake and nearby areas. Its insurance agent, Marc Kincaid, offers personalized home insurance policies that safeguard families from financial loss due to natural disasters, heating and cooling system issues, and accidental water damages. The insurance also protects valuable items like jewelry, musical instruments, lawn decorations, and collectible items. The agency also has different business line insurances that include workers' compensation, commercial umbrella, errors and commissions, and employment practices liability.

  • Personal Property Insurance
  • Multiple Policy Types

830 Greenbrier Circle, Chesapeake, VA 23320

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Member's Assurance Property & Casualty is an independent insurance agency located in Chesapeake that has been serving the community for over a decade. The agency provides varying levels of homeowners insurance, securing properties against incidences such as crime, accident, and natural disaster. Policies can also protect only against specific losses, depending on the customer's needs. The policies can protect houses and condominiums, including their contents or freestanding structures such as sheds. The company also offers renters, auto, flood, life, commercial, and group health insurance.

  • Condos
  • Personal Property Insurance
  • Renter's Insurance

516 Innovation Drive, Chesapeake, VA 23320

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (20)
Yelp
3.5 (3)

Why choose this provider?

Formed in 1969, Centerville Insurance Agency is a full-range insurance provider offering financial assistance to residential and commercial customers in Chesapeake and the surrounding areas. The company's home insurance policy covers homeowners' property losses and damages. Legal liability of paying off for injuries and property damages to others is included, as well. Other services and insurance policies are auto insurance, condominium insurance, flood insurance, wedding or special event insurance, umbrella insurance, and tenant insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

312 Cedar Lakes Drive, Chesapeake, VA 23322

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (9)

Why choose this provider?

Garlow Insurance Agency is a local agency that is headquartered in Chesapeake. Its insurance agents offer custom home insurance plans with basic coverage that includes renovation for damage to a home, personal property damage, other structure protection, personal liability, and medical and additional living expenses. The agency also provides other policies for cars, businesses, boats or watercraft, and aircraft. Garlow Insurance Agency represents insurance companies like Zurich, Progressive, and Liberty Mutual.

  • Personal Property Insurance

900 Stanhope Gardens #100, Chesapeake, VA 23320
WebsiteLicense: 145213

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Cova Insurance is a locally owned and operated company that serves individuals, families, and businesses in Chesapeake and its surrounding areas. Its team of professionals offers homeowners', renters', and secondary dwelling insurance. The firm's other personal solutions include auto, boat, umbrella, and life insurance. The company also offers commercial insurance products, such as general and professional liability, workers’ compensation, and commercial auto coverage. Cova Insurance has been in operation for more than three years.

  • Renter's Insurance

1111 Eden Way N, Chesapeake, VA 23320
WebsiteLicense: 647636

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (8)

Why choose this provider?

Stephanie Grayson is a local State Farm agent that caters to individuals and business owners in the Chesapeake metro. She prepares homeowners' insurance policies designed to cover expenses for repairing property damage caused by disasters. She can also include coverage for the replacement of stolen keepsakes like jewelry, appliances, and gadgets. Grayson has more than 20 years of experience in the insurance and financial planning industries. Her office also offers renters', auto, life, health, and pet insurance products.

  • Multiple Policy Types

801 Volvo Parkway Ste 121, Chesapeake, VA 23320

Expertise.com Rating

Review Sources

Google
4.7 (21)
Facebook
5.0 (11)
Yelp
1.0 (1)

Why choose this provider?

Erin Zabel is a State Farm Insurance agent who caters to individuals, families, and businesses in Chesapeake. She prepares homeowners' insurance plans designed to cover expenses in repairing disaster-inflicted property damage. She also offers coverage for the replacement of stolen keepsakes like jewelry, appliances, and gadgets. Additionally, Zabel provides auto, renters', life, health, and pet insurance products. She curates insurance policies parallel to clients' objectives and budgets. The agent handles matters involving banking, annuities, and mutual funds.

  • Renter's Insurance

501 N Battlefield Blvd, Chesapeake, VA 23320

Expertise.com Rating

Review Sources

Facebook
5.0 (59)
Google
5.0 (8)

Why choose this provider?

John Daves - State Farm Insurance Agent provides homeowners insurance in Chesapeake, Virginia. Daves helps clients plan for any damages to their houses from natural disasters or malfunctioning electricals and plumbing. His plans can be customized to fit condo tenants, secondary residence owners, and owners going on vacation. John also provides additional coverage options for those with pets, sports equipment, or customized automobiles. He has worked in State Farm for over 50 years and speaks both English and German.

  • Renter's Insurance
  • Personal Property Insurance

800 Juniper Crescent, Suite #C, Chesapeake, VA 23320
WebsiteLicense: 579813

Expertise.com Rating

Review Sources

Facebook
5.0 (40)
Google
4.9 (15)

Why choose this provider?

Nina Ambrose has been a State Farm agent for over 30 years. She assists clients in Chesapeake and other nearby communities in finding suitable homeowners' insurance products. Ambrose assists consumers with picking their policies by informing them about available coverage details. She also caters to customers who need auto, renters', property, and business insurance. Other products she offers are suitable for those who need life, health, and pet indemnity plans, as well as banking products and annuities. 

  • Condos
  • Renter's Insurance

1015 Eden Way N suite C, Chesapeake, VA 23320

Expertise.com Rating

Review Sources

Google
4.4 (14)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Parker Reigle Insurance Agency is a locally-owned and independent insurance agency that caters to clients in Chesapeake. It offers insurance products, such as homeowners' insurance, from a variety of highly-rated carriers. The home insurance policies can cover the repair or rebuilding of homes damaged by an insured event. Other coverage options include personal liability, medical coverage, additional living expenses, and personal property. Parker Reigle Insurance Agency provides clients access to more than a dozen insurance companies.

  • Personal Property Insurance
  • Multiple Policy Types

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.
  • Do you need to inform your Chesapeake homeowners insurance carrier about your upcoming house improvements?

    You must inform your homeowners insurance provider in Chesapeake of your intended house improvements. It may be necessary to amend your insurance policy to include additional or different forms of coverage, depending on the extent and type of the renovations. In rare circumstances, the insurer could even include an additional policy to cover your home's renovation costs in the event of an accident or damage.

  • Can a homeowners insurance provider in Chesapeake pause some transactions temporarily?

    For some business lines, a Chesapeake homeowners insurance provider may momentarily prohibit some transactions, which is known as a moratorium. In the days preceding a natural calamity, an insurance provider would typically impose a moratorium since they know that emergency declarations could prompt sudden insurance scrambling among those without insurance or with inadequate coverage limits.

  • Does the cost of your Chesapeake homeowners insurance depend on your house's location?

    Your place of residence in Chesapeake is one of the variables that affect the price of your homeowners insurance. For example, you often require additional coverage if you live in an earthquake or hurricane-prone area. Your home's exact location is important in addition to your region. Living in an area with a high burglary rate and being adjacent to a fire or police station are both contributing factors.

  • What circumstances are not covered by your Chesapeake homeowners insurance's personal liability policy?

    The personal liability insurance portion of your homeowners insurance in Chesapeake does not apply in the following circumstances:

    • Damages you or your family members incur while inside your house.
    • Intentional bodily harm or property damage committed in your house by yourself or an immediate family member.
    • Business ventures or legal actions involving your line of work.
    • Liability brought on by a car collision.
  • Do you need to include vandalism coverage in your Chesapeake house insurance policy?

    It is not required to add vandalism coverage to your Chesapeake house insurance policy. A typical home insurance policy from your insurance provider covers vandalism, including damage to your house, property, and personal items. Vandalism frequently takes the form of graffiti on walls or doorways, window smashing, landscaping ruin, sign removal, and arson.

  • 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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