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Best Homeowners Insurance Agencies in Norfolk

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Action Insurance Agency, Inc. logo
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Action Insurance Agency, Inc.

5627 George Washington Memorial Hwy, Yorktown, VA 23692
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Armor Insurance Group logo
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Armor Insurance Group

208 Golden Oak Court, Virginia Beach, VA 23452
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  • Multiple Policy Types
  • Flood
  • Condos

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bruce Laderberg Insurance Agency logo
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Bruce Laderberg Insurance Agency

5215 Colley Ave Ste 126, Norfolk, VA 23508
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (19)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Commonwealth Insurance Center logo
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Commonwealth Insurance Center

731 J Clyde Morris Blvd Ste D # D, Newport News, VA 23601
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Howard Jackson logo
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License Verified:

License: 967374

Commonwealth of Virginia State Corporation Commission

Howard Jackson

733 Boush Street Suite 103, Norfolk, VA 23510
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  • Condos

Business Description

Howard Jackson is a State Farm insurance agent that serves residents of Norfolk and nearby areas. It teaches first-time clients about different potential emergencies for their households, such as disasters and car collisions. Howard reviews existing policies to find missing coverages for medical liability and property repairs. He also processes claims for housing issues and adds coverages for special cases, such as earthquakes and flooding, upon request. Aside from homeowners, Howard caters to clients looking for automobile, health, and business insurances.

License Verified:

License: 967374

Commonwealth of Virginia State Corporation Commission

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James Rogers - State Farm logo
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James Rogers - State Farm

2137 Upton Drive, Virginia Beach, VA 23454
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  • Personal Property Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (13)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JD Auvil, Inc. logo
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JD Auvil, Inc.

15064 Carrollton Blvd Ste N, Carrollton, VA 23314
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  • Renter's Insurance
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
S. L. Nusbaum Insurance Agency, Inc. logo
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S. L. Nusbaum Insurance Agency, Inc.

500 W 21st St Ste 300, Norfolk, VA 23517
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.4 / 5 (9)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Steve Love Insurance Agency, Inc. logo
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Steve Love Insurance Agency, Inc.

4176 South Plaza Trail, Virginia Beach, VA 23452
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  • Renter's Insurance
  • Flood
  • Fire

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Colony Group logo
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The Colony Group

15111D Carrollton Blvd, Carrollton, VA 23314
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  • Renter's Insurance
  • Flood
  • Homeowners

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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