Virginia Homeowners Insurance

What do you call home? Maybe it’s a ranch in the suburbs, a restored farmhouse, or a downtown high-rise. No matter where you live in Virginia, your home is a special place you want to protect.

Home Insurance Coverage Options in Virginia

Farmers builds value into every home policy with:

Declining Deductibles^® — Earn $50 toward your deductible each year.
Claims Free Discount^® — Receive a discount if you’ve been claim-free for three years.
Claim Forgiveness — Your premium won’t increase due to a claim if you’ve been claim-free with Farmers for five years.
Cosmetic Damage Coverage — File a claim for functional damage, and we’ll cover related cosmetic damage as well.

Typical homeowners insurance policies in Virginia cover damage caused by:

Fire
Vandalism and theft
Windstorms
Hail
Lightning strikes
Explosion
Falling objects
Damage caused by weight of snow or ice

Virginia home insurance discounts

Farmers^® builds value into every policy — but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Virginia. For example:

Multi-policy

Protective devices

Non-smoker

See a list of potential home insurance discounts. Not all listed discounts are available in Virginia.

View more coverage options in Virginia

Auto insurance

Find out minimum state requirements for auto insurance in Virginia, available discounts and more.

View car insurance details and discounts for Virginia

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