Virginia Homeowners Insurance

Homeowners Insurance

Virginia Homeowners Insurance

We exist to serve our local area.  We live here, understand the state, it’s intricacies, attractions, and challenges.  When it comes to Virginia homeowners insurance, having a local insurance agent is critical – the state is highly diverse.  We serve clients by providing choices.  We are a Trusted Choice agency and a member of the Independent Insurance Agents of America, two professional organizations that ensure the highest standards to our clients.  Further, we are an independent insurance agent.  This means we aren’t tied to a single company, but quote with many.  Thus, we have your best interests at heart.

Contact us at one of our locations below, or read further about our Virginia homeowners insurance offerings.

Virginia Locations

Why wait until your policy renews?  Call (800) 541-1419 today.

  • From Washington DC to Richmond to Hampton Roads
  • From Big Stone Gap to the Eastern Shore of Virginia
  • Best prices in the industry
  • All major national and regional insurance companies available
  • Expertise with prompt, courteous service
  • Single policies or packages with auto
  • Many deductible options, you choose
  • Many discounts available

 We can insure

  • Coastal, even pier or piling foundations
  • Any size or value
  • New or old homes
  • Traditional construction, modular, or mobile homes
  • Farms
  • Builder’s Risk – homes under construction or renovation
  • High Value
  • Historical
  • Flood Insurance!
  • Eastern Shore of Virginia

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At Bankers Insurance, the client is always in control.

Enjoy your home.  Let us ensure it is properly protected.

Bankers Insurance offers VA homeowners insurance from many national and regional carriers.  We will shop your coverage and present you with the best quotes.  Every home is different.  How much and what kind of insurance coverage is right for you?  Lean on us to provide answers to your toughest questions.

Virginia Homeowners Insurance covers:

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To ensure we provide the best product at the lowest price, a licensed insurance agent will contact you with additional questions.

How To Start

  1. Approximate the cost to rebuild your home.  Don’t confuse this with market value.  You need VA homeowners insurance to replace your home, so replacement cost is your goal.  If you don’t know, ask a qualified contractor for an estimate.  We can certainly provide guidelines, but nothing beats a contractor’s expertise.
  2. Estimate what it would cost to replace your contents.  Consider furniture, computers, decorations, everything in your garage (except the vehicles), jewelry, collections, etc.
  3. If you have any high value items worth over $1,500 – jewelry, silverware, and fine arts are common examples – make note of them.  Certain policies have limitations on these high-valued items and they may need to be listed separately on the policy.  An appraisal may also be needed.


When purchasing Virginia homeowners insurance, coverage is important, but cost is a major factor.  Credits offered by many insurance companies are a means of rewarding clients with lower premiums.  Besides deductible options, there are other means to help keep your homeowners insurance costs down.  A few of the most popular credits include:

  • Auto insurance with the same insurance company
  • Smoke Alarms, burglar and filre alarms, or sprinkler systems
  • Deadbolt locks
  • Good claims history
  • Good payment history
  • Are a senior
  • Many others

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be VA homeowners insurance experts.  Take advantage of our expertise.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific home.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: