Virginia homeowners insurance

Virginia’s deep roots, including Jamestown the first permanent settlement in North America — are a point of pride for many people who live in the state. Progressive is proud to serve so many homeowners in Virginia. If you're a Virginia homeowner or planning to buy a home in Virginia, check our coverages, discounts, and cost information for Progressive home insurance in the Old Dominion.

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How you're covered

Virginia doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Virginia

Virginians are no strangers to severe weather, whether it comes from the west or the east or from the ocean. Storm systems commonly cause lightning damage and tornadoes, while hurricanes coming up the Atlantic Coast may cause damage to your home. Your home insurance policy may cover damage to your home's structure and belongings caused by high winds, up to your policy's limits.

Learn more about how home insurance may cover storm damage.

With severe storms comes flooding. If you live near the Dan River or in an area with tidal waters like Richmond, your home may be vulnerable to rising waters. A flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Bundle home and auto insurance with Progressive to earn a multi-policy discount. We make it simple to get a quote, even from your phone.

How much is homeowners insurance in Virginia?

Your cost for Virginia homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you own in Virginia?

Protect the Virginia rental property you own with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fast facts about homes in Virginia

  1. Virginia is home to Mount Vernon, the famous residence of George Washington.

  2. The homeownership rate in Virginia has varied from year to year and was 68% in 2021.

  3. Virginia Beach is home to the Cape Henry Lighthouse, the first lighthouse officially authorized by Congress.

Get a homeowners insurance quote for your Virginia home

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We'll ask simple questions about your property, then you can customize your coverages and start date.

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Call us

Speak with a licensed homeowners representative who can guide you through your quote.

Call 1-866-749-7436

Ask an agent

We'll connect you with a licensed independent agent near you.

Find a Virginia agent online

Quote homeowners insurance online or call for advice

Learn more about home insurance policies.