Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Portsmouth

Our Recommended Top 13

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 Portsmouth 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.

67Reviewed

45Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
249 East Little Creek Road, Norfolk, VA 23505
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Salzberg Insurance Agency has been serving clients in the Portsmouth area for more than 80 years. This agency helps homeowners to obtain the right amount of coverage to protect the value of their homes, as well as any expensive personal belongings. Its team helps clients determine how much coverage to purchase, what policy add-ons are best suited to their needs, and which carriers are offering the best value for their homeowners insurance policy.

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
Google
4.7 / 5 (78)
Facebook
5.0 / 5 (5)
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4664 South Blvd, Virginia Beach, VA 23452
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Choice Insurance Agency is an insurance brokerage that provides its services to Portsmouth. The company offers insurance solutions for clients' homes, particularly those that are located in the coastal areas to financially protect these properties from weather-related damage. Its team of agents helps clients find insurance policies that offer efficient coverage and tailors them to meet the clients' needs. Choice Insurance Agency was established in 2008 and also handles business insurance, senior programs, and private client groups.

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.
3.8
Google
3.8 / 5 (9)

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

Website
1015 Eden Way North, Chesapeake, VA 23320
  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Located near Portsmouth, Parker Reigle Insurance Agency sells an array of commercial and personal insurance products. Its homeowners insurance policies are carried by top providers such as Progressive, Foremost Insurance Group, and Liberty Mutual. Agents work with clients to determine how much insurance they should purchase and what they should include in their policies. Other products sold by Parker Reigle include life and health insurance, auto insurance, and bonds and annuities.

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.
4.5
Google
4.4 / 5 (14)
Facebook
5.0 / 5 (2)
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

Website
954 West 21st Street, Norfolk, VA 23517
  • Renter's Insurance
  • Condos

Why choose this provider?

Colonial Insurance Agency is a family-owned and family-operated business that has been serving Portsmouth and nearby areas for over 70 years. It provides homeowners' insurance products for different types of properties such as historic, beach, or waterfront. Representing more than 15 insurance companies, its team of independent agents customizes coverages depending on the client's needs and preferences. The agency also offers insurance products for special events, recreational vehicles, investment properties, antique autos, and fine arts.

License Verified:

License: 109557

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.
4.8
Google
4.6 / 5 (23)
Facebook
5.0 / 5 (14)

Website
3706 Winchester Drive, Portsmouth, VA 23707
  • Multiple Policy Types

Why choose this provider?

Taylor & Brinkley Insurance Agency takes care of the insurance necessities of clients in Portsmouth, Virginia. It offers a variety of home insurance coverages, such as homeowners' insurance, condo insurance, and renters' insurance. Homeowners' insurance policies cover the exterior structure and the contents of the client's home, the majority of natural disasters, and theft and vandalism damages. Experienced agents will assist clients in structuring their ideal insurance policy to guarantee that they are provided with the coverage that they need. Auto, life, and commercial insurance products are also available.

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
4.8 / 5 (5)

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

Website
500 East Main Street, Norfolk, VA 23510
  • Multiple Policy Types

Why choose this provider?

Established in 1994, Bruce Laderberg Insurance Agency helps Portsmouth clients find the right insurance policies for their homes. Their homeowners' insurance protects the house and personal belongings from a disaster like fire, by paying for replacements. Clients can choose between all-risk homeowners' insurance and a named-perils policy. The independent agency also offers insurance for auto, business, and life. Bruce Laderberg is currently serving as a board member of the Independent Insurance Agents of Virginia.

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 (9)

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1 Columbus Center, Virginia Beach, VA 23462
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake
  • Condos

Why choose this provider?

McGriff provides homeowners' insurance in Portsmouth. Initially founded in 1886 as McGriff, Seibels & Williams, it is now part of Truist Insurance Holdings. The agency's insurance professionals help homeowners and renters claim compensation in case of fire, hurricane, storm, theft, and vandalism. They also offer additional coverage for floods and excess liability. They also provide insurance coverage for jewelry, pets, safety deposit boxes, and travel. For businesses, they provide employee benefits, risk management, and industry expertise coverage.

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2865 Airline Blvd, Portsmouth, VA 23701
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Young Insurance offers personal, business, and life insurance products in Portsmouth. With over five decades of industry experience, this independent insurance agency assists homeowners in determining coverage options that meet their needs. Its home insurance plans are comprehensive, covering risks associated with personal properties, liability claims, and physical home structures, and customizable. Homeowners also receive financial compensation in case of covered losses, such as damage due to fire or storms, medical expenses for non-resident injuries, and loss of use expenditures.

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)
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
Helpfulness
Detail

Website
4500 Main Street, Virginia Beach, VA 23462
  • Homeowners

Why choose this provider?

Brown & Brown of Virginia, Inc., is an insurance brokerage firm serving the residents of Portsmouth and the surrounding areas. The firm was established in 1939 and entered the insurance market in 2001, providing comprehensive insurance solutions to individuals and businesses. These coverages include homeowners, renters, auto, and umbrella insurance. Its homeowners' insurance policy covers personal belongings and damages to the property's physical structure and extensions, including sheds and garages. Moreover, the firm has over 290 offices across the country.

License Verified:

License: 538825

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 (29)
Facebook
5.0 / 5 (11)

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
4405 Portsmouth Boulevard, Portsmouth, VA 23701
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Coppedge Insurance Agency is a Portsmouth-based agency that provides tailored insurance solutions for individuals and businesses. The team of insurance agents at this firm offers homeowners' insurance to protect the client's valuable asset in events of damage or loss caused by natural disasters or theft. They also have a specific policy for condo owners and renters. Coppedge Insurance Agency represents various insurance carriers including Foremost, Hagerty, Assurant, American Modern, and Progressive.

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

Website
117 West Tazewell Street, Norfolk, VA 23510
  • Condos

Why choose this provider?

Resolve Insurance Group is a full-service insurance company that offers personal and business lines to clients in Portsmouth. The firm offers homeowners' insurance that can secure the belongings and liabilities of individuals, families, and high-net-worth personalities during unfortunate circumstances. Its independent insurance agents represent multiple carriers that can provide a variety of coverage options depending on the clients' needs. The company also delivers condo and renters' insurance. Employees of the firm have over 80 years of combined experience in insurance services.

License Verified:

License: 150602

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
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

Website
644 Grassfield Pkwy Ste 27, Chesapeake, VA 23322
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Zack Keaton State Farm Insurance Agent is available five days a week to help clients obtain home insurance and navigate insurance claims. Additionally, this office accepts after-hours appointments upon request. Its agents are dedicated to ensuring that homeowners have adequate policies to cover the value of their homes in case of fire, storm, burglaries, or other events that result in damage or loss. Other products sold at this agency include auto 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 (11)
Facebook
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

Website
1101 North Battlefield Boulevard, Chesapeake, VA 23320
  • Fire

Why choose this provider?

The CRP Family Agency is an independent insurance agency that serves clients in Portsmouth and the surrounding areas. Its agents aim to get to know the clients, their families, and their needs to create a customized policy. They offer homeowners' insurance coverage, which includes condos, renters, and flood insurance. The CRP Family Agency owner Brian Barham has extensive local knowledge and provides clients with the power of choice. Furthermore, Barham offers auto and umbrella insurance and has expertise in real estate.

License Verified:

License: 140538

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.
4.6
Google
5.0 / 5 (202)
Facebook
3.8 / 5 (112)

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • Will a rental property in Portsmouth be covered by homeowners insurance?

    Homeowners insurance in Portsmouth does not cover a rental property. Instead of a homeowners policy, you need dwelling insurance to protect your rental home, whether you rent it out to tenants or it's vacant. A landlord's dwelling insurance policy could also include coverage for the other structures on the premises, theft of personal goods, loss of rent, liability, and vandalism.

  • How much are the deductibles in Portsmouth homeowners insurance?

    Depending on the policy, the deductibles for homeowners insurance in Portsmouth often run from $500 to $5,000. Bear in mind that not each of the coverages included in a homeowners insurance policy will have a deductible. The following types of home insurance policies typically have a deductible: personal property, other structures, and residence. Personal liability coverage, loss of use coverage, insurance riders, and medical payments to others are examples of home insurance coverages that normally do not have a deductible.

  • What are the most frequent grounds for your homeowners insurance claim denial in Portsmouth?

    The two most frequent reasons why your homeowners insurance provider in Portsmouth will reject your claim are your policy does not cover the incident that resulted in the damages and your claim is incomplete. Other grounds for denying your claim include filing it too late, having an expired house insurance policy, suspicions of insurance fraud, carelessness leading to the injury, and the damage coming from normal wear and tear.

  • If your home insurance provider in Portsmouth rejects your claim, what should you do?

    If your home insurer in Portsmouth rejects your claim, you may appeal the decision. To challenge a claim denial, you must ascertain the reason for the refusal. After that, you need to carefully examine your policy to ensure that the damages you're claiming are covered, gather proof to back up your claim, and write an appeal letter to your insurer. You can also submit a complaint to your state's insurance department if you are unable to settle the dispute.

  • Are losses from wildfires covered by homeowners insurance in Portsmouth?

    In Portsmouth, homeowners insurance frequently aids in covering damage to your house and possessions brought on by a wildfire. Typical homeowner policies often provide protection from specific risks, such as fire, but coverage might vary by policy and by location. If your property is in danger, it's important to know how much coverage you have and whether your home insurance policy covers damage from wildfires.

  • 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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