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Best Homeowners Insurance Agencies in Suffolk

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Cotten & Taylor Insurance Group logo
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Cotten & Taylor Insurance Group

906 North Main Street, Suffolk, VA 23434
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Cotten & Taylor Insurance Group is an insurance agency located in Suffolk that provides multi-line insurance products and services throughout the South Hampton Roads region. Representing multiple carriers, the agency gives a variety of homeowners insurance coverage options that meet clients' requirements. The policy protects homes from theft, vandalism, and damage caused by fire and lightning, windstorm, falling objects, and accidental electrical outages. This agency also helps business owners protect their organizations and companies through comprehensive insurance policies.

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 (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
Daryl Hines - State Farm Insurance Agent logo
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Daryl Hines - State Farm Insurance Agent

4448 Portsmouth Boulevard, Chesapeake, VA 23321
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  • Multiple Policy Types

Business Description

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.

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
4.6 / 5 (13)
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
JD Auvil, Inc. logo
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JD Auvil, Inc.

3101 American Legion Road, Chesapeake, VA 23321
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  • Multiple Policy Types

Business Description

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.

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
4.4 / 5 (9)
Facebook
5.0 / 5 (4)

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
Mayo Insurance and Williamsburg Insurance logo
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Mayo Insurance and Williamsburg Insurance

5131 River Club Drive, Suffolk, VA 23435
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  • Flood
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Mayo Insurance and Williamsburg Insurance is a full-service agency that has served the insurance needs of clients in Suffolk and nearby areas since 1991. Its home insurance policies help protect homes and their contents from losses due to damage or theft. The agency also offers insurance for condos, rental properties, and tenants who want to protect valuables, such as art collections, heirlooms, and jewelry. Plus, Mayo Insurance provides watercraft, automobile, life, and motorcycle insurance packages.

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.
4.9
Facebook
5.0 / 5 (9)
Google
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
Monica Barnes - Farm Bureau Insurance Agent logo
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Monica Barnes - Farm Bureau Insurance Agent

607 W Washington St, Suffolk, VA 23434-5756
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  • Multiple Policy Types

Business Description

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.

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 (61)

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
––
Suffolk Insurance logo
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Suffolk Insurance

202 Market St, Suffolk, VA 23434
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

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.
4.2
Google
4.2 / 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
teamlynch.net logo
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teamlynch.net

5911 Harbour View Boulevard, Suffolk, VA 23435
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  • Multiple Policy Types

Business Description

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.

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
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
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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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