Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Richmond, VA

Our Recommended Top 20

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 Richmond 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.

134Reviewed

88Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5309 Commonwealth Centre Pkwy Suite 102, Midlothian, VA 23112
WebsiteLicense: 143510

Expertise.com Rating

Review Sources

Facebook
4.8 (50)
Google
4.9 (35)

Why choose this provider?

Springer Insurance is an agency that serves Richmond families, businesses, and individuals seeking health coverage. Its agents are qualified to propose individual and group insurance plans with coverage on life and health, including financial support to family members, to help sustain daily financial obligations and cover final expenses. Representing over 20 insurance carriers, the firm offers personal lines insurance for homes, businesses, condos, and automobiles, while commercial lines include general liability and workers' compensation. This firm has been in the industry for over 30 years.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

2144 Plainview Ctr, Powhatan, VA 23139

Expertise.com Rating

Review Sources

Facebook
4.9 (32)
Yelp
3.5 (22)

Why choose this provider?

Barnes Insurance Group is an independent agency that offers risk management assistance for individuals and businesses in Richmond. It has a full range of personal insurance policies, which provide protection for homeowners, rental properties, automobiles, and antiques. With access to plans from different insurance carriers, its agents also offer life insurance along with commercial insurance coverages for businesses in a variety of industries such as manufacturing, food and beverage, and retail. Barnes Insurance Group is also licensed to serve Washington DC, North Carolina, and Maryland.

2520 Professional Rd Ste A, North Chesterfield, VA 23235

Expertise.com Rating

Review Sources

Google
5.0 (98)
Facebook
4.9 (74)
Yelp
5.0 (1)

Why choose this provider?

Knight Magee is a locally owned independent insurance agency that has been serving the community of Richmond, Virginia, since 2011. As an independent agency, the company works with large insurance providers to give its clients various options to fit their unique needs. Knight Magee offers home, condo and renters’ insurance, as well as auto, life, business, and small group health coverage. The team prides themselves on taking a consultative approach to insurance, finding a solution for every insurance need, and ensuring clients have the right coverage, at the right price.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

1 Park West Cir, Ste 310E, Midlothian, VA 23114
WebsiteLicense: 145524

Expertise.com Rating

Review Sources

Google
4.9 (42)

Why choose this provider?

Rodgers Insurance is an independent insurance agency serving clients in Richmond looking for homeowners' insurance and renter's coverage. Its agents assist customers in picking policies from over 30 carriers that suit their needs and situations. There are levels of protection from $100,000 to $1 million. Individuals may also add jewelry and valuables to their chosen plans. The team of four agents at Rodgers Insurance including the owner Sean Rodgers aids clients in discovering their options of auto, personal liability, and life protection policies.

  • Homeowners

2309 Westwood Avenue, Richmond, VA 23230
WebsiteLicense: 560879

Expertise.com Rating

Review Sources

Google
4.9 (68)
Facebook
5.0 (44)

Why choose this provider?

Founded in 1963, GLM Insurance is a third-generation family business that provides insurance solutions to individuals, families, and businesses in Richmond and the rest of Virginia. With access to major insurance carriers in the state, the agency helps clients select from a wide array of insurance products for cars, homes, and businesses. The options for homeowners' insurance may include coverage for the main structures, other structures, personal properties in houses, loss of use, and liability.

  • Homeowners
  • Multiple Policy Types
  • Flood

507 Branchway Rd, North Chesterfield, VA 23236

Expertise.com Rating

Review Sources

Facebook
5.0 (31)
Google
5.0 (20)

Why choose this provider?

Usher Insurance is an independent insurance company that serves the residents of North Chesterfield, Virginia. It offers quality insurance coverage tailored to each client's specifications. The agency offers homeowners insurance policies that provide coverage for damaged property or liabilities incurred due to injuries sustained in a home. It also provides automobile, condominium, and umbrella insurance. Additionally, life insurance policies that cover funeral expenses and pay federal and state death taxes are available to save dependants from incurring the costs.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

6021 Staples Mill Rd, Richmond, VA 23228
WebsiteLicense: 109084

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
5.0 (10)

Why choose this provider?

Sanford Insurance is a full-service insurance agency that serves clients in Richmond and the surrounding areas. The company provides a comprehensive range of homeowners' and renters' insurance policies. As an independent insurance firm, the group represents over 30 insurance providers who can provide a variety of coverage options, including home repair costs, liability coverage, medical payments, loss assessment, and additional living expenses. Individuals and businesses have relied on the company's services to find the best insurance plan for their needs since 1988.

  • Renter's Insurance
  • Homeowners

2920 West Broad Street, Suite 100, Richmond, VA 23230
WebsiteLicense: 136618

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

Magnolia Insurance is a full-service insurance agency based in Richmond. The firm assists individuals and families in locating homeowners' insurance policies to protect their homes and personal belongings in the event of disasters. As an independent insurance company, its agents represent a number of carriers that provide a variety of coverage options, including property damage, personal contents, medical expenses, personal liability, and loss of use. The group's insurance specialists have over 15 years of experience insuring individuals and businesses.

  • Renter's Insurance
  • Fire
  • Flood

411 N 6th Ave, Hopewell, VA 23860

Expertise.com Rating

Why choose this provider?

A-1 Insurance Agency is an independent home insurance company that has been serving the community of Richmond, Virginia, for over 20 years. The company works in collaboration with more than 40 insurance carriers, enabling it to provide clients with diverse options for covering their homes and properties. These policies cover damage from fire, earthquakes, and floods, as well as lost or stolen belongings. The agency also sells health and life insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

9103 Quioccasin Rd, Richmond, VA 23229
WebsiteLicense: 102426

Expertise.com Rating

Why choose this provider?

Able Insurance is a locally owned company serving the residents of Richmond and the surrounding communities. It offers homeowners' insurance plans that include hazard and liability coverages. These insurance coverages protect policyholders from financial losses caused by unforeseen events like theft and natural disasters. The agency also helps clients acquire other personal and business policies, including life, auto, renters', general liability, and workers' compensation insurance. Able Insurance has been in business for nearly 35 years.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

7202 Glen Forest Drive Ste 310, Richmond, VA 23226
WebsiteLicense: 799791

Expertise.com Rating

Why choose this provider?

Myra Howard is a State Farm insurance agent that serves clients across the Richmond metro. She provides homeowners' insurance and educates clients on further protection through liability insurance coverage. In addition, Howard offers life, health, and auto insurance. She also deals with small business insurance and helps clients with commercial liability, workers' compensation, and builders' risk insurance options. Howard has been working in the insurance industry since 2011. She is a member of the community development organization Leadership Metro Richmond.

  • Homeowners

510 East Belt Boulevard, Richmond, VA 23224
WebsiteLicense: 133487

Expertise.com Rating

Review Sources

Google
4.6 (48)
Yelp
5.0 (2)

Why choose this provider?

Sweeney Insurance Agency, Inc., is a Richmond-based team of independent risk management professionals who furnish different types of policies, including home insurance. This protection plan may cover losses resulting from flood, fire, windstorm, and hail damage. The agents access policies from numerous carriers such as Progressive and Travelers, allowing them to present a range of options for clients. Sweeney Insurance Agency also offers protection for renters and owners of farms and ranches. Additionally, it has a commercial line of insurance products.

  • Landlords
  • Condos

2920 W Broad St # C26, Richmond, VA 23230

Expertise.com Rating

Review Sources

Google
4.9 (29)
Facebook
5.0 (9)

Why choose this provider?

Smitherwood Insurance, established by Oliver Smith in 2017, provides clients in the Richmond, Virginia, area with a strong insurance foundation. Homeowners, renters, and auto insurance are some of the policies Smitherwood Insurance offers clients, taking care to assess risks, choose the right plan, and fully explain coverage. With access to a wide range of insurers, from Travelers and Liberty Mutual to The Travelers and MetLife, Smitherwood Insurance can offer clients appropriate personal and commercial insurance coverage.

  • Renter's Insurance
  • Fire
  • Flood

1703 N Parham Rd Ste 100, Richmond, VA 23229

Expertise.com Rating

Review Sources

Google
4.3 (12)
Facebook
5.0 (8)

Why choose this provider?

Founded in 2016, Mega Insurance Center Inc. is an independent agency located in Richmond, Virginia. Home coverage specialists seek quotes from several top carriers to offer policies for houses and condos that cover repairs and total residence replacement, furnishings, personal property, medical payments, and living expenses following damage, and liability claims against the policyholder. Other types of insurance include SR22, auto, motorcycle, boat, RV, life, health, and various types of business coverage.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

919 E. Main St. #1000, Richmond, VA 23319
WebsiteLicense: 141149

Expertise.com Rating

Why choose this provider?

TR Insurance Agency provides services to individuals, families, and businesses in the Richmond metro and the surrounding communities. It offers homeowners' insurance policies, which cover death benefits, legal costs, medical bills, pain and suffering, and wages. This product also protects personal belongings, such as appliances, clothes, and furniture. TR Insurance Agency has been in operation for more than 20 years. Tamika Rose, the owner, holds the Accredited Customer Service Representative and Construction Risk and Insurance Specialist designations.

  • Multiple Policy Types
  • Homeowners

1415 W Main Street, Richmond, VA 23220
WebsiteLicense: 1033619

Expertise.com Rating

Why choose this provider?

Matthew Becker caters to the insurance and financial service needs of the Richmond community. This State Farm agent helps individuals and families secure insurance coverage for their vehicles, homes, businesses, lives, and health. State Farm is a large company that is listed as one of the Fortune 500 enterprises in the US. It comprises more than 55,000 employees and 19,000 independent contractors and agents nationwide. It has been serving many communities for more than 100 years.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

6809 Patterson Avenue, Richmond, VA 23226
WebsiteLicense: 554446

Expertise.com Rating

Review Sources

Google
5.0 (37)
Facebook
5.0 (11)
Yelp
5.0 (4)

Why choose this provider?

Ric Bergstrom has been operating a local State Farm agency in Richmond since 1997. He designs homeowners' insurance policies that cover damages caused by lightning, hail, wind, fire, theft, or vandalism. As a Retirement Income Certified Professional, Ric also assists individuals seeking advice regarding annuities, mutual funds, and life insurance. Ric Bergstrom began his career with State Farm in 1990 as a fire claims representative, where he handled home and business claims statewide and nationwide.

  • Renter's Insurance

10045 Midlothian Turnpike, Lower Level, North Chesterfield, VA 23235
WebsiteLicense: 113175

Expertise.com Rating

Why choose this provider?

Richmond VA Insurance Agency, Inc., is dedicated to helping people find insurance solutions that match their needs and budget. It offers insurance packages for homeowners looking to financially protect themselves against potential damages and liabilities involving their homes. The company is headed by Randall Hall, an insurance broker with over 26 years of experience in the industry. Founded in 2008, Richmond VA Insurance Agency is an independent firm representing several carriers such as Travelers, American Modern, Erie Insurance, and Progressive.

  • Homeowners

6002 West Broad Street, Richmond, VA 23230

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (3)

Why choose this provider?

Diversity Insurance is an insurance service provider that serves clients in Richmond. This agency offers a wide range of insurance products, including homeowners' insurance plans. Its independent agents assist clients in selecting the right level of homeowners' insurance coverage based on their needs. In addition, they provide renters' insurance plans, life and health insurance, personal umbrella insurance, and auto insurance. It represents multiple insurance carriers to provide clients with various coverage options.

  • Homeowners

5010 Nine Mile Rd, Richmond, VA 23223

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Affordable Insurance Center is a Richmond-based insurance agency with six other offices across Virginia. Established in 1974, the company offers comprehensive and packaged home insurance options covering natural disasters, repair expenses, personal liability, and the home's contents. It provides combined life and property policies, as well as coverage for family members against debt payment due to an accident or death of the property owner. Affordable Insurance Center also offers renters, auto, and flood insurance.

  • Renter's Insurance
  • Condos
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Springer Insurance
5309 Commonwealth Centre Pkwy Suite 102, Midlothian, VA 23112
Barnes Insurance Group
2144 Plainview Ctr, Powhatan, VA 23139
Knight Magee Insurance
2520 Professional Rd Ste A, North Chesterfield, VA 23235
Rodgers Insurance Agency LLC
1 Park West Cir, Ste 310E, Midlothian, VA 23114
GLM Insurance
2309 Westwood Avenue, Richmond, VA 23230
Usher Insurance, LLC
507 Branchway Rd, North Chesterfield, VA 23236
Sanford Insurance
6021 Staples Mill Rd, Richmond, VA 23228
Magnolia Insurance
2920 West Broad Street, Suite 100, Richmond, VA 23230
A-1 Insurance Agency
411 N 6th Ave, Hopewell, VA 23860
Able Insurance
9103 Quioccasin Rd, Richmond, VA 23229
Myra Howard
7202 Glen Forest Drive Ste 310, Richmond, VA 23226
Sweeney Insurance Agency, Inc.
510 East Belt Boulevard, Richmond, VA 23224
Smitherwood Insurance
2920 W Broad St # C26, Richmond, VA 23230
Mega Insurance Center Inc
1703 N Parham Rd Ste 100, Richmond, VA 23229
TR Insurance Agency
919 E. Main St. #1000, Richmond, VA 23319
Matthew Becker
1415 W Main Street, Richmond, VA 23220
Ric Bergstrom
6809 Patterson Avenue, Richmond, VA 23226
Richmond VA Insurance Agency, Inc.
10045 Midlothian Turnpike, Lower Level, North Chesterfield, VA 23235
Diversity Insurance
6002 West Broad Street, Richmond, VA 23230
Affordable Insurance Center
5010 Nine Mile Rd, Richmond, VA 23223

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 costs are paid by the liability coverage of your homeowners insurance policy in Richmond?

    If someone sustained injuries on your property in Richmond and you are found to be legally responsible for this accident, the liability coverage in your homeowners insurance policy will pay for the costs associated with the victim's injuries. These costs will include their medical or funeral expenses, pain and suffering, loss of income, and legal fees.

  • What if your homeowners insurance isn't sufficient to cover costs for injuries sustained on your Richmond property?

    If your homeowners insurance policy is not enough to cover costs for injuries sustained on your Richmond property, your personal umbrella insurance policy will take up where the coverage of your underlying policy has left off. That is why having personal umbrella coverage is a good idea. This type of insurance provides liability coverage in addition to your homeowners' policy.

  • Are you required by law to purchase homeowners insurance in Richmond?

    You are not required by law to purchase homeowners insurance in Richmond, but if you want to apply for a mortgage loan, your mortgage lender will probably require you to purchase this policy. This is because if you obtain a mortgage, your home will serve as the lender's collateral, and your lender will require you to purchase a minimum amount of hazard insurance.

  • How can you protect yourself from spending money on repairing service line damage in your Richmond property?

    To protect yourself from the financial strain of spending money on repairing service line damage, you can purchase additional coverage to your homeowners' insurance policy that covers the cost of these service line repairs. Cable and electric writing, as well as water and sewer pipes, are examples of service lines that run under your property in Richmond.

  • Why should you consider adding personal umbrella coverage to your home insurance policy in Richmond if you plan to open your home's pool?

    Adding a personal umbrella coverage to your home insurance policy in Richmond is one way to protect your family and friends from drowning, falls, or slips in the pool. This policy gives you $1 million in coverage for claims made against you or your family. These claims can be from the people who suffered damages from an accident or fatal injury that took place in your swimming pool.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.