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2024

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Best Homeowners Insurance Agencies in Virginia Beach

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Virginia Beach 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.

255Reviewed

157Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4870 Haygood Road Suite 108, Virginia Beach, VA 23455
WebsiteLicense: 146308

Expertise.com Rating

Review Sources

Google
4.8 (31)

Why choose this provider?

Matt Roenker Insurance Agency has been providing insurance solutions to individuals, families, and businesses in Virginia Beach since 1969. This family-owned agency offers an extensive line of insurance policies that include auto, life, general liability, renters', and homeowners' insurance from featured carriers such as Progressive Safeco Insurance, Travelers, and Universal Property. The agency's homeowners' insurance policies cover different types of residential properties and protect them against fire damage, theft, and burglary.

  • Flood
  • Homeowners

4507 Haygood Rd, Virginia Beach, VA 23455

Expertise.com Rating

Review Sources

Google
4.2 (5)

Why choose this provider?

Founded in 1986, the Insurance Doctor is an independent insurance agency located in Virginia Beach, Virginia, that's also licensed in North Carolina. Home coverage specialists work with 40 different carriers to put together the best protection plan for homeowners at competitive rates. Other options include renters, auto, motorcycle, ride share, and commercial policies and discounts are available for packaging home and auto coverage with the same company. Services are available in English and Spanish.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

633 Independence Blvd Ste D, Virginia Beach, VA 23462

Expertise.com Rating

Review Sources

Google
4.8 (22)

Why choose this provider?

Hampton Roads Insurance Services is an independent insurance office centrally located in Virginia Beach, Virginia, that serves homeowners throughout Hampton Roads, including Norfolk and Chesapeake. Founded in 2003, the company offers homeowners insurance policies to protect dwelling, outside structures, and belongings from wind, fire, storms, theft, and vandalism. Discounts for multiple policies purchased from a single provider are available. Hampton Roads Insurance Services also offers business, auto, life, and disability insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

2433 North Landing Rd, Virginia Beach, VA 23456

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (7)

Why choose this provider?

The Insurance Boutique serves residents of the Virginia Beach, Virginia, area with homeowners insurance. Each of the three in-office agents has at least 15 years experience helping their customers find the best homeowners insurance coverage and prices. The company only works with top-rated homeowners insurance underwriters, and it imposes no minimum premium requirements, so small and large clients receive the same customer service. The agency also offers auto, commercial, and life insurance policies.

  • Flood
  • Multiple Policy Types
  • Homeowners

921 First Colonial Rd Ste 1703, Virginia Beach, VA 23454

Expertise.com Rating

Review Sources

Google
4.7 (25)
Facebook
4.0 (4)

Why choose this provider?

Toby Leffel Insurance Agency is an insurance agency that sells home insurance in the Virginia Beach metro. Founded in 1982, Toby Leffel Insurance provides homeowners coverage for dwellings, for personal belongings, and against liability, including specific policies for renters, condo owners, and protection against floods. The agency also provides auto, health, life, and commercial insurance options through a variety of carriers, including Progressive, National General, Anthem BlueCross BlueShield, Optima Health, and Kemper.

  • Renter's Insurance
  • Flood
  • Homeowners

4500 Main Street Suite 600, Virginia Beach, VA 23462
WebsiteLicense: 3926155

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Brown & Brown Insurance Agency of Virginia, Inc., provides various risk management solutions to businesses and individuals. It offers homeowners' insurance coverage to clients in the Virginia Beach metro. Its policies cover damage to the structure of the customer's home and personal belongings. The agency's homeowners' insurance coverage also includes personal liability and temporary living expenses. Its other products include automobile and collector vehicle insurance. Bill Strachan, the president of the agency, has the designations of Voluntary Benefit Specialist and Certified Insurance Consultant.

  • Personal Property Insurance

5705 Lynnhaven Parkway, Suite 103, Virginia Beach, VA 23464
WebsiteLicense: 875021

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
4.9 (32)

Why choose this provider?

Pierre Granger is an insurance agent that works for State Farm and operates in Virginia Beach. He is a retired Navy pilot and speaks fluent French. Pierre offers homeowners' insurance policies to out-of-state movers, first-time applicants, and lifelong residents in the metro. He educates them about different policy coverages for both general and specialized concerns, ranging from property damage to flooding. Pierre leads a team of office associates and account managers, all of whom can help process claims and billings online.

  • Renter's Insurance
  • Condos
  • Homeowners

141 Business Park Dr, Virginia Beach, VA 23462

Expertise.com Rating

Review Sources

Facebook
4.6 (11)
Google
5.0 (2)

Why choose this provider?

Ware Insurance is an independent insurance agency in Virginia Beach that sells home insurance throughout the Hampton Roads area in Virginia. Founded in 1961 and still family owned, the agency provides homeowners coverage for damage or destruction of their domiciles, including risk management solutions for art collections, disaster planning, and design and planning of security systems. Ware Insurance also sells business insurance as well as offering life and health coverage and surety bonds for businesses.

  • Flood
  • Personal Property Insurance

509 Viking Drive, Suite J, Virginia Beach, VA 23452
WebsiteLicense: 147128

Expertise.com Rating

Review Sources

Google
5.0 (225)

Why choose this provider?

AB Insurance is a partnership of Prosper Insurance and Atlantic Bay Mortgage Group. Serving the Virginia Beach metro, the full-service agency offers homeowners' insurance to protect families and individuals from financial losses caused by unexpected events. It also helps clients acquire condo, renters', umbrella, auto, ATV, and boat insurance. The company has access to 20 insurance companies, providing customized coverages suited to clients' needs. Its business development executive, Corbin Cleaves, has a background in both insurance and mortgage industry services.

  • Condos
  • Homeowners

372 S Independence Blvd Suite 101, Virginia Beach, VA 23452
WebsiteLicense: 571321

Expertise.com Rating

Why choose this provider?

Gina Lynch is a second-generation State Farm agent that helps families protect and preserve their assets and loved ones through a range of insurance policies. She provides homeowners' insurance in Virginia Beach and the surrounding areas. Other products include auto, business, health, life, pet, and renters' insurance. Her office offers its services in English, German, and Portuguese. Gina Lynch has more than 14 years of providing insurance policies to individuals and families looking to secure their future.

  • Renter's Insurance

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 homeowners' insurance policies cover damaged personal belongings during a move to Virginia Beach?

    Some Virginia Beach homeowners' insurance policies do not cover personal items during relocation, while others do. These policies may follow the policyholders' personal property wherever it goes; however, losses like fire damage, collision during transportation, or theft are excluded. Situations such as a broken object caused by improper handling or mispackage, on the other hand, are not covered by homeowner's insurance policies in Virginia Beach, but rather by the moving company's coverage.

  • What are weather-related catastrophes protected under the homeowners' insurance policies in Virginia Beach?

    Damage to property or personal belongings caused by weather-related disasters such as wildfires, hail, lightning, and wind, including hurricanes and tornadoes, is covered under Virginia Beach homeowners' insurance plans. Windstorm damage may have a higher or separate deductible in homeowners' policies. Damage caused by fallen trees during harsh weather and the weight of ice or snow, on the other hand, can be added as a covered peril on a Virginia Beach homeowners' policy.

  • How do credit reports impact those applying for homeowners' insurance policies in Virginia Beach?

    Insurers in Virginia Beach thoroughly examine the applicant's credit score to better underwrite and determine the likelihood of a homeowners' insurance claim. A good credit score predicts insurance losses by reflecting the policy buyer's financial behavior based on the length of their credit history, foreclosures, bankruptcies, or outstanding debts. Furthermore, a good credit score entitles applicants to a reduction in their Virginia Beach homeowners' insurance premiums.

  • What types of properties are not eligible for homeowners' insurance policies in Virginia Beach?

    In Virginia Beach, commercial properties like barns, college housing such as sorority and fraternity houses, and short-term rentals are not covered by homeowners insurance. Private schools, churches, non-profit organizations, and assisted living facilities are not eligible for these plans. In addition, primary residences prone to landslides and floods, those in commercial neighborhoods, and dwellings with unusual features, such as A-frames and flat-pack homes, are not covered by Virginia Beach homeowners' insurance policies.

  • Do homeowners' insurance policies in Virginia Beach cover the cost of repairing broken appliances?

    Yes, the cost of repairing broken appliances such as kitchen stoves, refrigerators, and dishwashers is covered by Virginia Beach homeowners insurance plans. Damage to HVAC systems and plumbing fixtures caused by explosions, windstorms, vandalism, snow, and fire is also typically covered under homeowners' insurance policies. The latter, however, does not cover the costs of replacing or repairing worn-out or obsolete appliances in Virginia Beach.

  • 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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