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:

Home

Your house and other structures attached to your house.  If a garage is attached, it is typically included in the value of the home.

Contents

Items owned by you, stored in the house.  If you routinely store possessions in a storage unit, offsite, or in a vehicle, talk to your insurance agent.

Other Structures

Other structures on your property that are not attached to the main house.  Limitations to other structures apply, but can be adjusted.  Be sure to ask.

Personal Liability

Broad-based personal liability coverage that protects you for damage to people or property.  Examples can include a visiting guest being injured on broken stairs, or your child accidentally damaging an expensive painting during a field trip to an art museum.

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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.

Credits

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:

Individual Agent

Each one of our clients is assigned a specific insurance agent in our office.  You will have the phone number that rings on their desk.  And each agent has a backup in case they are out for any reason.  Though any one of our agents can help, nothing beats speaking with the person familiar with your account.

Local Support

Bankers Insurance is local.  Our agents live in the local community.  No one enjoys talking to an 800 number or exchanging email when in urgent need of service or if a claim has arisen.

Fast, Courteous Service

We serve our clients with dignity and provide “no excuse” customer service.

Flexible Billing

Want to pay for your VA homeowners insurance directly to the company?  Monthly?  By credit card?  Through escrow?  We can find a billing option that suits you.

Competitive Prices

Product and service are important, but with Bankers Insurance you also get low pricing.  Our insurance companies compete for your business, resulting in low prices for you.

Quality Insurance Products

We represent “A” rated insurance carriers, verified by AM Best.  Our Virginia homeowners insurance products are designed to meet a variety of needs.  We tailor insurance coverages to you.