Virginia Insurance All Your Needs in One Place

Home insurance in Virginia typically includes four basic protections that can be expanded for a more comprehensive policy. These basic protections include: 

• Contents coverage: Covers your personal belongings, like clothing or furniture, against damage, destruction, or theft, caused by listed perils.
• Dwelling coverage: Covers your home's structure against damage, destruction, or vandalism caused by listed perils.
• Liability coverage: Covers you and other home inhabitants against the legal costs of a third-party lawsuit for claims of bodily injury or personal property damage.
• Additional living expenses coverage: Covers extra, unexpected costs if you must live somewhere else temporarily while your home is undergoing extensive repairs after a listed disaster such as a fire.

Talk to a local independent insurance agent to find the home coverage that you need.

Car insurance in Virginia typically includes a few coverages needed by drivers across the map, like:

• Collision: Covers physical damage to your vehicle after an accident you're at fault for. 
• Comprehensive: Covers physical damage to your vehicle caused by threats other than collision, including accidents with large animals, theft, storm damage, and more.
• Personal injury protection: Covers medical bills, lost wages, and even funeral expenses for the driver and any of their passengers after an accident they're at fault for.
• Medical payments: Covers the costs of injury treatments for the driver and any of their passengers after from accident they're at fault for.

By state law, Virginia requires all drivers to carry at least these coverages:

• Bodily injury liability: Virginia state law requires all drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, which reimburses the costs of injury treatments for other drivers and any of their passengers after an accident you were at fault for.
• Property damage liability: Virginia state law requires all drivers to have at least $20,000 per accident of property damage liability coverage, which reimburses the costs of repairs to a third party's vehicle or personal property, like buildings, fences, mailboxes, etc., that you hit with your vehicle. 
• Uninsured motorist coverage: Virginia state law requires all drivers to have at least $25,000 per person and $50,000 per accident of uninsured motorist coverage, which reimburses costs of physical damage repairs to your vehicle, injury treatments of you and your passengers, etc. if an accident occurs with another, at-fault driver who doesn't carry enough insurance of their own. Drivers must also have $20,000 in uninsured motorist property damage coverage per accident.

If you need car insurance in Virginia, talk to a local independent insurance agent who can help you find the coverage you need.

Virginia state law requires all businesses with more than two employees to have workers' comp insurance. There are only a few exceptions to this rule. Workers' comp in Virginia covers medical treatments and rehabilitation costs if the business's employees get injured or ill due to their job activities or workplace, and even funeral costs if an employee dies as a result of the job.

A local independent insurance agent can help you find the workers' compensation coverage that you need to keep your business safe.

Business insurance in Virginia offers several standard protections needed by most businesses in the state. However, you can customize your policy to cater to your business's specific needs. Depending on your industry, you may need several more types of coverage. However, many standard business insurance policies in Virginia include at least:

• Workers' comp insurance: Businesses in Virginia must have this coverage if they have more than two employees. It covers the costs of injury and illness treatments for workers who get hurt or sick due to the workplace or their job duties. It can even cover funeral costs if an employee dies on the job or because of the job.
• Commercial property insurance: Covers the costs of repairing, replacing, or rebuilding company property, including the physical building and contents like inventory, if it gets damaged, stolen, or destroyed by a listed peril.
• Commercial general liability: Covers legal expenses if a third party, like a customer or client, sues the business for claims of bodily injury or personal property damage.
• Commercial vehicle insurance: Covers the costs of incidents involving company vehicles like delivery vans if the business gets involved in lawsuits due to an accident or if damage or destruction occurs because company vehicles get vandalized, stolen, damaged by fire, etc.

An independent insurance agent in Virginia can help you find the perfect coverage for your business.

Commercial vehicle insurance in Virginia can cover the costs of physical damage or destruction to company vehicles after a number of incidents, such as vandalism, theft, fire damage, accidents, etc. It can also cover legal expenses if the business gets involved in a lawsuit if an employee causes an accident with the company vehicle.

If you need commercial vehicle insurance in Virginia, an independent insurance agent can help you find the coverage you need.

Your Virginia restaurant will start off with a business insurance policy, but it may require more specific coverages to protect its components. Restaurant insurance in Virginia offers the basics of business insurance with these additions:

• Equipment breakdown coverage: The restaurant's large equipment, like steam boilers, is covered against many disasters like fire damage, power outages, etc.
• Spoilage coverage: Food spoilage and inventory loss due to covered disasters like extended power outages are covered.

If you need to find coverage for your restaurant, a local independent insurance agent can help.

Umbrella insurance in Virginia stacks on top of a business's existing liability coverage to increase its limits. Umbrella insurance can be applied to a business's commercial general liability insurance, commercial vehicle insurance, etc., to boost that liability coverage. Many umbrella insurance policies come in increments of $1 million, which can greatly help a business pay for an unexpected lawsuit. 

If you need the extra coverage that umbrella coverage can offer, an independent insurance agent in Virginia can help.

Renters insurance in Virginia includes many of the same protections a home insurance policy does, minus the dwelling or structural coverage. The structure of the building a tenant inhabits legally belongs to the landlord, so it's covered by their landlord insurance. Renters aren't considered responsible for damage to the building's outer structure in most cases. So, renters insurance often just includes:

• Personal property coverage: Covers costs if your personal property gets stolen, lost, damaged, or destroyed by a listed peril like theft, fire, etc.
• Liability coverage: Covers lawsuit costs if you get sued by a third party, like a guest or delivery person, for claims of bodily injury or personal property damage.
• Additional living expenses: Covers extra costs if you must temporarily stay somewhere else, like a hotel, while your unit gets repaired for extensive covered damage, such as from a fire or lightning strike.

No matter where you live in Virginia, an independent insurance agent can help you find the coverage you need.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Virginia independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Virginia to find you the right coverage at a great price.