Virginia Home Insurance
From Hampton Roads to Northern Virginia and the Blue Ridge, one licensed agency comparing many insurance companies for your home. Family-owned since 1977.
From Hampton Roads to Northern Virginia and the Blue Ridge, one licensed agency comparing many insurance companies for your home. Family-owned since 1977.
Hampton Roads and the coast. Coastal Virginia covers about a quarter of the state, and the state's own coastal resilience framework says it has some of the highest rates of relative sea level rise in the country, because the water is rising while the land sinks. The NOAA tide gauge at Sewell's Point in Norfolk shows more than 18 inches of relative sea level rise over the past 100 years. Recurrent flooding in Hampton Roads went from 1.7 days a year in 1960 to 7.3 days a year in 2014. None of that water is covered by a homeowners policy.
Inland Virginia. The Bureau of Insurance reminds Virginians that hurricanes damage homes hundreds of miles from the coast, and pointed to Helene as a recent example. In Northern Virginia, Richmond and the Shenandoah Valley, heavy rain and wind from passing storms are the usual problem, and flood is still a separate policy.
The last-resort market. When no private company will write a home, the Virginia Property Insurance Association can. The Bureau of Insurance calls it a last resort because the premium is generally higher and the coverage is often more limited than a private policy. If a Virginia home, including one near the coast, cannot get coverage in the regular market, VPIA offers basic property coverage that includes wind and hail on its extended coverage and broad forms.
HO-3 is the most common homeowners form. HO-5 adds broader protection for your belongings and fits higher-value homes.
Covers your unit's interior, your belongings and your liability. The association's master policy covers the building.
NFIP and private flood policies. Private flood can offer higher limits than the federal program.
Coverage for homes where the main policy excludes or limits wind.
Dwelling policies for homes you rent out, including short-term rentals.
Extra liability above your home and auto, from $1 million.
Sizemore Insurance is licensed in Virginia. We don't have an office in the state. We serve Virginia homeowners by phone and online from our North Carolina offices.
Main number: (910) 791-1011
No state law requires it. If you have a mortgage, your lender will require it and will name itself on the policy.
No. Virginia homeowners policies generally don't cover flood, surface water or storm surge. Flood coverage comes from the National Flood Insurance Program or a private flood policy, and an NFIP policy usually has a 30-day wait.
A separate deductible that applies to wind, hail or named storm damage. It's often a percentage of your dwelling limit, so 2% on a $200,000 limit is $4,000.
The Virginia Property Insurance Association writes property coverage as a last resort. It usually costs more and covers less than a private policy, so we shop the private market first.
Your lender may not require it, but flood maps don't stop water. Tidal flooding in Hampton Roads and rain from passing storms inland both cause flood losses, and a homeowners policy won't pay for them.
No. We're licensed in Virginia and handle quotes, policy changes and claims help by phone and online.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.