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Homeowners Insurance Virginia
Mercury Insurance believes every homeowner in Virginia deserves excellent protection. That's why we offer a variety of options for homeowners insurance. Mercury has local agents available all across the state, so we can guarantee that you'll get the best coverage tailored to your needs.
The Right Coverage for Virginia Residents
When you choose Mercury, you’re not only getting one of the best homeowners insurance companies in Virginia but also a local independent agent who works to create a custom plan that’s right for you.
Cities all across Virginia deal with various weather conditions. Towns along the Atlantic Ocean, such as Virginia Beach, can experience devastating hurricanes and tropical storms. Virginia is also home to eight breathtaking mountain ranges, but dwellings in this type of terrain are susceptible to natural disasters like wildfires, floods, and landslides. No matter if you live in Norfolk, Richmond, or any other city in Virginia, your Mercury agent knows the ins and outs of your local area. You and your family will enjoy peace of mind knowing your home is properly protected.
Burglaries are another problem homeowners face aside from severe weather. The Federal Bureau of Investigation reported nearly 7,500 burglaries across Virginia in 2019. That’s millions of dollars in damages and stolen property done to homes like yours. Bodily injury, property damage, and medical payments to guests are other common claims that Virginia homeowners may encounter. Regardless of the incident, our claims team will ensure you get back on your feet as soon as possible. Here are some of the homeowners insurance coverage options to help safeguard you and your home:
Dwelling Protection
- Covers damage to the physical structure of your home due to a covered loss, such as a fire, storm, or lightning strike.
Personal Property
- Helps cover the cost of personal property if items are damaged, destroyed, or stolen due to a covered peril. Personal property examples include furniture, clothing, and electronics.
Extended Replacement Cost
- Expands your dwelling coverage up to 150% to help pay for your home’s repair and rebuilding costs following a covered loss.
Additional Living Expenses
- Helps cover excess living expenses — e.g., hotel stays, meals, etc. — you incur after being displaced from your home.
Unmatched Siding and Roofing
- Helps cover undamaged portions of siding or roofing to be replaced as well the damaged areas when there is a mismatch.
Limited Hidden Water, Steam Seepage, or Leakage
- Helps to cover small amounts of hidden water damage in the home
Personal Liability Protection
- Protects you financially if you’re liable for damages or injuries to others — in or out of your home.
Guest Medical Protection
- Helps pay for medical costs if a guest accidentally injures themselves in or around your property.
Identity Theft Protection
- Helps cover expenses you incur as a result of criminal identity theft.
Green Home
- Mercury will cover up to an additional 5% of the replacement costs for environmentally-friendly alternatives or construction methods with a covered loss.
Refrigerated Products
- Covers up to $1,000 of food items if there’s a loss of power or a mechanical failure of a refrigerator resulting in spoiled food.
For a fast, free quote, call (866) 912-9741.
Homeowners Insurance Discounts for Virginia Residents
When shopping for a Virginia home, keep your insurance rates in mind, and look for added safety measures. They could end up saving you hundreds of dollars a year. Check out some of the discounts we offer:
Check out a few we offer:
- Multi-policy with our AUTO + HOME Discount
- Protective Devices Discount (smoke alarms, deadbolts, burglar alarms, etc.)
- Fire-Resistant Construction Materials
- Green Home
- Newer Home
- Gated Community
- Selecting a higher deductible
- Digital, Paperless Billing
- Good Payer
Common FAQs About Homeowners Insurance Coverage in Virginia
What Is the Average Cost of Homeowners Insurance in Virginia?
According to Bankrate, the average cost of homeowners insurance in Virginia is $924 per year or $77 per month.
What Is Not Covered by Homeowners Insurance in Virginia?
Homeowners insurance in Virginia generally doesn’t cover damage caused by floods and earthquakes. To get coverage, you’ll have to purchase separate insurance policies for these perils.
What is dwelling protection on a Mercury Virginia homeowners policy?
Dwelling protection covers the structure of your home, including walls, roof, and attached structures. It ensures you can repair or rebuild your home after damage from covered perils like fire, hail, windstorms, or theft.
What is Mercury Insurance’s extended replacement cost coverage in Virginia?
Extended Replacement Cost coverage helps pay to rebuild your home if repair or replacement costs exceed your policy limits. It protects against unexpected increases in construction or labor costs by expanding your dwelling coverage up to 150%.
What is the Green Home coverage from Mercury in Virginia?
Mercury’s Green Home coverage provides up to 5% extra coverage to replace damaged items using eco-friendly materials or sustainable construction methods after a covered loss. It’s part of what makes Mercury coverage some of the best home insurance in Virginia.
What’s Available in Virginia from Mercury?
Explore the insurance options we have available in Virginia:
Does Virginia Require Homeowners Insurance?
No, homeowners insurance isn’t mandatory in Virginia. However, your mortgage lender will likely require you to get homeowners insurance so you can get a loan.
What Are the Two Types of Insurance Required by Virginia Law?
To legally drive in Virginia, you must have minimum liability coverage — $30,000/$60,000/$20,000 — and uninsured/underinsured motorist coverage — $25,000/$50,000/$20,000.
How does Mercury's Green Home discount work in VA?
The Green Home discount rewards homes with eco-friendly or energy-efficient features, including LEED or NAHB certifications. It reduces your premium while promoting sustainable home upgrades.
Does Mercury cover spoiled food in refrigerators in Virginia?
Yes, Mercury homeowners insurance in VA provides add-on Refrigerated Products coverage of up to $1,000 of food items due to a loss of power or a mechanical failure of the fridge that results in spoiled food. This type of coverage allows you to replace these perishable items.
Does Mercury cover additional living expenses if my Virginia home is uninhabitable?
Yes, Mercury covers extra living expenses such as temporary housing, meals, and other costs if your home becomes uninhabitable due to a covered loss. This helps you maintain your lifestyle while repairs are completed. Be sure to ask about this coverage when getting home insurance quotes in Virginia.
Can I get identity theft protection with Mercury homeowners insurance in Virginia?
Yes, certain Mercury policies include identity theft protection. It can help cover expenses such as lost wages, legal fees, and credit monitoring services if your identity is compromised. Check with your local Virginia insurance agent when getting a homeowners insurance quote to determine coverage.