Virginia Home Insurance

This foundational coverage protects your home’s physical structure:

• Covers damage from fire, wind, hail, and other covered perils
• Protects built-in systems including electrical, plumbing, and HVAC
• Rebuilds your home to its pre-loss condition after covered damage

For adequate protection, Virginia homes should maintain dwelling coverage meeting at least 80% of total replacement cost – particularly important given Virginia’s varying construction costs between coastal and inland regions.

Beyond your main house, this coverage extends to detached structures on your property:

• Sheds, detached garages, and workshops
• Fences, driveways, and patios
• Swimming pools and outdoor equipment

Coverage typically equals 10% of your dwelling limit, though Virginia properties with multiple outbuildings may benefit from higher limits.

This protection safeguards your belongings inside and outside your home:

• Furniture, electronics, and appliances
• Clothing, jewelry, and personal items
• Sports equipment and tools

Virginia policies typically provide personal property coverage at 50-70% of your dwelling limit. Personal property coverage helps cover the cost to repair or replace your belongings after a covered loss.

Items like jewelry and electronics have special limits, often requiring additional scheduled personal property endorsements for full protection.

If a covered loss makes your Virginia home temporarily uninhabitable:

• Covers hotel or rental housing costs
• Pays for increased food expenses
• Reimburses additional transportation costs

This protection helps cover additional living expenses during repairs and proves particularly valuable during Virginia’s hurricane season when you might need temporary relocation while workers rebuild your home.

Personal liability coverage defends against legal claims if someone is injured on your property:

• Legal defense costs for covered incidents
• Court awards and settlements
• Protection for incidents away from home

Virginia homeowners should consider liability coverage limits of at least $300,000, with higher limits recommended for high-value homes or properties with attractive nuisances like pools. This coverage helps protect you from property damage and injury claims made by others.

This no-fault coverage handles smaller injuries to guests:

• Medical treatment for visitors injured on your property
• Coverage regardless of legal liability
• Fast payment without lengthy claims investigations

Standard Virginia policies offer $1,000-$5,000 in coverage, though higher limits cost relatively little to add.