Seguro de viviendas en Virginia

Protect Your Home With VA Homeowners Insurance

Seguro de viviendas en VirginiaVirginia can experience natural disasters like flooding, hurricanes or even tornados. That’s why if you have a home in the Old Domion State, it’s important to have good Virginia seguro de viviendas that will keep it protected. The Hartford has been helping Virginia homeowners get the coverage they need for over 200 years. Our specialists can make sure you get the protection you’re looking for - whether you live in Virginia Beach, Norfolk, Chesapeake, Richmond, Arlington or anywhere else in the state.
There are plenty of homeowners insurance companies to choose from, but not all of them offer the same coverages or discounts. To learn more about how we can help protect your Virginia home, speak to one of our specialists at 877-422-2345 o get a quote online.

Standard Coverages Under Homeowners Insurance in Virginia

When getting homeowners insurance, Virginia residents can benefit from these standard coverages with us:
La cobertura de vivienda to help protect your home and the structures attached to it. For example, if there’s damage to your plumbing from a covered loss, this coverage can help pay to repair it.
Other structures coverage to help protect buildings on your property that are not connected to your home. So, if a storm damages your shed, this coverage can help pay to fix it.
La cobertura de propiedad personal to help protect the personal possessions you have in your home. This coverage can help cover the costs to replace furniture and appliances if a fire damages your home’s interior.
Loss of use coverage to help pay your living expenses if you have to temporarily move out of your home while it’s getting repaired from a covered loss.
Liability coverage to help pay for your legal defense and court judgments if someone sues you due to bodily injury or property damage at your home. It can even help cover you when you’re away from your home. For instance, if you’re playing golf and your ball hits someone’s car, this coverage can help pay for the damage.
Medical payments coverage to help cover treatment costs if someone gets injured while on your property. For example, if your friend’s son trips at your home, breaks his leg and needs medical treatment, this coverage can help pay his medical bills.2

Additional Coverage to Add to VA Homeowners Insurance

VA Homeowners InsuranceHome insurers, like us, want to provide you with all the coverages you need. That’s why we give you the option to add more VA homeowners insurance coverages to your policy. With our Home Advantage Package,3 you’ll get:
“New for Old” Protection to help cover your possessions if they get destroyed. For instance, after a fire ruins your personal possessions in your home, this coverage can replace them with brand new ones of the same quality.‡‡4
Personal injury liability to help cover costs from libel or slander claims. So, if your friend sues you for damaging their reputation on social media, this coverage can help cover the costs.
Reimbursement for replacing locks if someone steals your keys or you lose them. This covers you up to $500 with a $100 deductible.
Identity fraud expense coverage to compensate you for out-of-pocket expenses up to $25,000 if you suffer from identity theft. This helps cover lost income and legal fees.
For even more protection, you can buy our Home Advantage Plus Package. This includes all the benefits of our Home Advantage package, with additional coverages like:5
Disappearing Property Deductible‡‡ to reward you every three years that you don’t have an insurance claim. For each three year period, we’ll reduce your deductible by $50.6 We’ll then drop it another $50 for each year you go without filing a claim.
Increased identity fraud expense coverage to compensate you for lost income and legal fees up to $50,000 if you suffer from identity theft.
Some other coverage options you can add to your policy are:
Equipment breakdown coverage to help cover mechanical or electrical breakdown of your appliances and electronics. This doesn’t include coverage for normal wear and tear. So, if your kitchen stove breaks, this coverage can help pay for the repair or replacement costs. Keep in mind that this coverage doesn’t cover normal wear and tear.7
Valuable items blanket which gives you extra protection for certain valuables. So, if your jewelry is stolen but not insured, this coverage can help cover its replacement costs.

Top 10 Virginia Home Protection Tips

Once you’ve selected the right Virginia home insurance, you shouldn’t stop there. In fact, you may be wondering how to protect your Virginia home even further. Following these tips can help: 8
  • Keep your home free of oily rags and trash buildup.
  • Do not store combustible items in your attic, basement or any other area where heat builds up.
  • Buy a fire extinguisher and keep it handy.
  • Practice home fire drills with your family.
  • Have a professional install your woodstove.
  • Always keep your stairs in good condition.
  • Keep records of all the serial numbers for your appliances or electronics.
  • Do not hide your keys outside.
  • Add window locks and peepholes.
  • Never smoke in bed.
  • Make sure your home’s exterior is well lit.

How Much Is Homeowners Insurance in Virginia?

Historically, national insurance rates go up every year. To give you an idea of what homeowners insurance in Virginia costs, take a look this chart with information from the Insurance Information Institute:
Año Virginia Average Homeowners Insurance Cost National Average Homeowners Insurance Cost
2017 $999 $1,211
2016 $966 $1,192
2015 $946 $1,173
The best way to learn more about your coverage options and find out what your total would be is to work with a licensed local agent. We know there are many home insurance companies to choose from, but many of them don’t offer the customer service that we do. Find out what discounts you can get by contacting one of our specialists at 888-413-8970. Or, get your VA home insurance quote quick and easy online.
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
3 This package is ideal for customers who want extra protection, above their base policy, for certain coverages such as: Replacement Cost Contents Coverage, Personal Injury Protection, and ID Fraud Expense Coverage.
4 Some benefits such as Reimbursement for Lock Replacement are only available with the Optional Home Advantage Plus package. También hay disponible una póliza sin estos beneficios adicionales.
5 Our most popular package, Home Advantage Plus includes all the features of Home Advantage, plus extra benefits such as the Disappearing Property Deductible†† and Equipment Protection Advantage.
6 Responsible homeowners deserve to be rewarded. Si no registra ninguna reclamación como propietario de vivienda durante los últimos tres años, The Hartford reducirá el deducible de su seguro de propiedad en $50. Then, we’ll lower it another $50 after each year without a claim – until your property deductible reaches zero. Esta reducción del deducible no se aplica a la cobertura por hundimiento por minas ni averías de equipos.
7 This coverage is available for an additional fee and pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. Paga hasta el 125 por ciento del costo por reemplazar cualquier equipo asegurado por artículos similares pero de menor consumo o más ecológicos.
‡‡ Terms and conditions apply.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.