Homeowners insurance virginia beach

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Homeowners insurance is an essential aspect of protecting your property and belongings in Virginia Beach. This type of insurance provides coverage for damages to your home, as well as liability protection in case someone gets injured on your property. In this article, we will explore the key aspects of homeowners insurance in Virginia Beach, including coverage options, average costs, and important considerations.

Coverage Options

Dwelling coverage: This is the primary component of homeowners insurance and covers the structure of your home against perils such as fire, windstorms, and vandalism. It typically includes the main dwelling, attached structures like garages, and built-in appliances.

Personal property coverage: This coverage protects your personal belongings, such as furniture, electronics, and clothing, against theft, damage, or loss. It is important to ensure that you have adequate coverage to replace your belongings in case of a covered event.

Liability coverage: Liability coverage provides financial protection if someone gets injured on your property and sues you for damages. It can also cover legal expenses in such situations. It is crucial to have sufficient liability coverage to protect your assets in case of a lawsuit.

Additional living expenses coverage: If your home becomes uninhabitable due to a covered event, this coverage helps with temporary living expenses, such as hotel bills or rental costs, until your home is repaired or rebuilt.

Average Costs

The cost of homeowners insurance in Virginia Beach can vary depending on several factors, including the value of your home, the coverage limits you choose, your deductible, and your location within the city. On average, homeowners in Virginia Beach pay around $1,000 to $1,500 per year for insurance coverage. However, it is important to note that individual premiums may vary significantly based on personal circumstances.

Important Considerations

Flood insurance: Virginia Beach is prone to flooding, so it is crucial to consider purchasing separate flood insurance. Standard homeowners insurance policies typically do not cover flood damage. The National Flood Insurance Program (NFIP) offers flood insurance coverage, and it is advisable to evaluate your flood risk and consider obtaining this additional protection.

Windstorm coverage: Due to its coastal location, Virginia Beach is susceptible to strong winds and hurricanes. Some insurance policies may exclude or limit coverage for windstorm damage. It is important to review your policy and consider purchasing additional windstorm coverage if necessary.

Policy exclusions and limitations: Homeowners insurance policies often have exclusions and limitations on certain types of damage or personal belongings. It is crucial to review your policy carefully and understand what is covered and what is not. If you have valuable items such as jewelry or artwork, you may need additional coverage through endorsements or separate policies.


Homeowners insurance in Virginia Beach is a vital protection for your property and belongings. Understanding the coverage options, average costs, and important considerations can help you make informed decisions when selecting a policy. Remember to review your policy regularly and update it as needed to ensure adequate coverage.


– Virginia Bureau of Insurance: www.scc.virginia.gov/boi
– National Flood Insurance Program: www.floodsmart.gov