Home insurance in Virginia*
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!
What does homeowners insurance cover in Virginia?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Virginia
The average cost of home insurance has increased to $1,199 per year in Virginia, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Virginia covered.
We help Virginians find coverage across the entire Commonwealth!
While we sell policies in every county in Viriginia, including these major cities:
Alexandria
Arlington
Chesapeake
Hampton
Newport News
Norfolk
Richmond
Virginia Beach
Common questions about Virginia home insurance
What’s the average cost of home insurance in Virginia?
The average cost of Virginia home insurance premiums is $1,199, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. Your home’s premiums and risks depend on its location and other characteristics, so the best way to see if you can save is to get a quote.
Is home insurance required in Virginia?
No U.S. states require home insurance by law, but almost all mortgage lenders require it before you can buy a home. Even if your lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in Virginia?
The risk of tornadoes, tropical storms, and hurricanes can impact home insurance rates in Virginia. But the cost of your home insurance also depends on exactly where you live, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in Virginia?
You can easily tailor a Virginia House & Property policy to your particular needs through endorsements that add, remove, or otherwise modify your coverage.
For example, you may be able to add endorsements that:
- Provide additional coverage for home computers
- Cover damage caused by water backup or sump pump overflow
- Insure your personal property for its replacement cost
- Add liability and medical payments coverage for non-owner-occupied homes.
- Cover golf carts and related liability
- Provide animal liability coverage
- If you have a high-value home in Virginia, you may want to look at our Signature Coverage Collection.
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