Who regulates homeowners insurance in Virginia?

The Virginia Bureau of Insurance (scc.virginia.gov/pages/Bureau-of-Insurance) licenses carriers and agents and handles consumer complaints.

Is flood insurance required in Virginia?

Federally backed lenders require flood insurance for properties in FEMA Special Flood Hazard Areas. Hampton Roads and Tidewater homeowners should carry it even outside mapped zones — sea-level rise and storm surge are significant risks.

Does standard homeowners insurance cover hurricane damage in Virginia?

Standard HO-3 policies cover hurricane wind damage. Coastal Virginia policies may have a separate wind or named-storm deductible — review the deductible structure with your agent.

Does Virginia require homeowners insurance?

Virginia law does not mandate homeowners insurance, but lenders require it as a mortgage condition.

How do I file a homeowners insurance complaint in Virginia?

File a complaint with the Virginia Bureau of Insurance at scc.virginia.gov/pages/Bureau-of-Insurance.

Homeowners Insurance in Virginia

Virginia faces hurricane and nor'easter wind and coastal flooding risk in Hampton Roads and the Eastern Shore, tornado risk in central and southwestern portions of the state, and river flooding — Hurricane Isabel (2003) and Sandy demonstrated the coastal flood exposure.

More Virginia guides

Personal Loans in Virginia Auto Insurance in Virginia Renters Insurance in Virginia Mortgages in Virginia Auto Loans in Virginia Student Loans in Virginia Life Insurance in Virginia High-Yield Savings in Virginia

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