get a virginia homeowners insurance quote

or call 1-866-439-5633

Or call 1-866-439-5633.

Virginia residents who bundle their home insurance with auto insurance can save even more! Here's how.

virginia homeowners insurance

If you have a home in Virginia, consider yourself lucky — from Virginia Beach to Lexington, homeowners in the beautiful Old Dominion have a lot to love. Getting homeowners insurance is just another way of keeping the good times rolling: coverage for you, your home, and even your guests. It also covers things like your furniture, appliances, and other items you keep inside your house.

Finding comprehensive, affordable home insurance in Virginia doesn't have to be hard. Get a free quote for reliable homeowners coverage from Esurance to see how much you could start saving today.

I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

– Linda, Nevada

Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

– Tommy, Nevada

The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

– Iola, Kansas

virginia homeowners insurance discounts

With Virginia's lush landscape and grassy rolling hills, we know residents of your state enjoy the greener things in life. And with these money-savers from Esurance, homeowners stand to keep more green in their bank accounts — all while securing dependable coverage and round-the-clock protection.

Home Safety Features discount

You can qualify for this discount when you install safety features like burglar alarms, fire sprinklers, and smoke detectors in your home. And the more features you have, the more you stand to save.

Hail Resistant Roof discount

Virginia is no stranger to hailstorms, ranking 10th in the country for average claim severity between the years 2000 and 2013. Not only does a hail-resistant roof help protect your house against Mother Nature's wrath, but it could also save you some money on your homeowners insurance.

And the savings don't stop there. Be sure to check out these additional discounts when you get your quote:

  • DIY Home Inspection discount*
  • Preferred Buyer discount
  • Multi-Policy discount
  • Claim-Free discount
  • Smoke-Free discount
  • New Home discount
  • Future Effective Date discount
  • Loyal Customer discount
  • Welcome Home discount
  • Storm Shutter discount

Discounts are subject to eligibility. If you're an Esurance policyholder and have questions about ways to save money on home insurance in Virginia, give us a ring at 1-800-ESURANCE (1-800-378-7262).

standard home insurance coverages in virginia

With abodes that exude both Southern charm and modern convenience, owning a home in Virginia is second to none. And what better way to financially protect one of your largest monetary investments than with homeowners coverages you can count on? These protections come standard on every Esurance home policy in the Old Dominion:

Family liability protection

Say someone is injured and decides to sue after slipping on your icy walkway, or your kid accidentally throws a baseball through your neighbor's window. The family liability protection on your homeowners insurance policy can step in to help pay for your legal expenses (including your defense) if your negligence results in someone else's injury or property damage.

Personal property insurance

If valuable belongings inside your house (furniture, clothing, appliances, electronics, etc.) are stolen or damaged in a covered incident, personal property insurance helps pay for their replacement up to the limits you choose for your policy. This coverage can even kick in if your belongings are stolen while you're away from home, like if your laptop gets nabbed from your car, for example.

Here are some more standard Esurance homeowners coverages to help round out your policy and give you the financial protection you deserve:

optional virginia homeowners coverages

Homeowners in Virginia can hitch some additional peace of mind to their mental trailers with these optional coverages:

Still have questions about home coverages in Virginia? If you're an Esurance policyholder, simply give us a call at 1-800-ESURANCE (1-800-378-7262), where our agents are available at these times.

stats and facts about virginia living

You may already know that homeowners insurance rates vary from state to state, city to city, and even neighborhood to neighborhood — but why? Well, each locale has its own unique quirks and perks, from average home prices to crime rates to weather risks (and so much more). Below are some state-specific characteristics that Virginia homeowners should keep in mind.

Diverse climates in the Old Dominion

Did you know Virginia is home to 5 different climate regions? While some parts of the state have extended growing seasons and mild winters, other regions experience more stormy weather and bitterly cold winters. These diverse sets of weather patterns can affect homeowners premiums across the state, depending on what risks your home is more prone to.

Luckily, the dwelling protection on your homeowners policy can help pay for repair or replacement of your house if it suffers damage from covered perils like windstorms, lightning, wildfires, or the weight of ice, snow, or sleet. It's imperative to select high enough limits to cover your home's replacement cost should catastrophe strike.

Burglary in Virginia

The Virginia State Police reported more than 21,000 burglaries statewide in 2015 alone. The good news? That was a slight decrease from 2014, which saw more than 22,500. Areas with higher break-in rates tend to pay more for homeowners insurance because of the increased likelihood and frequency of claims.

On the upside, your homeowners insurance will help pay for any property damage caused by the burglar, in addition to covering damaged or stolen belongings. Remember to keep a thorough and up-to-date home inventory to help you get the most from your policy in the event of a claim.

Related links

Virginia car insurance
Learn more about required car insurance coverages and limits in the Old Dominion.

Tree houses and homeowners insurance
See how your average home insurer treats claims surrounding tree houses.

Get a quote to see how surprisingly painless insurance can be

or call 1-866-439-5633

Or speak with a licensed agent at 1-866-439-5633.