Virginia Homeowners Insurance
Protecting Homes, Preserving Futures
Peace of mind starts right here, at home.
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Bob W.
Independent Insurance Agent, Henrico, VA
We’ll stay with Northern Neck forever, as long as they’ll keep us.
Ricky and Sandy H., customers since 2017 Watch Video
Bob W.
Independent Insurance Agent, Henrico, VA
We’ll stay with Northern Neck forever, as long as they’ll keep us.
Ricky and Sandy H., customers since 2017 Watch Video
How much coverage do I need under my homeowners policy?
Why Virginia homeowners insurance?
From weather damage to fire to floods, our home coverages are designed specifically for the risks facing Virginia households. When you have a loss that is covered by a Northern Neck policy*, we will pay to:
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Rebuild or repair
your home after a fire or major storm
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Replace your belongings
if destroyed or stolen
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Pay for injuries and damages
that occur on your property
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Cover your housing expenses
if you cannot live in your home

Superior coverage goes above and beyond
Not all home policies are created equal. Our proprietary coverage, the Superior Homeowners Endorsement, includes enhanced protection you typically pay extra for. Coverage includes:
- Earthquake damage
- Equipment breakdown
- Sinkhole collapse
- Loss caused by water which backs up through sewers or drains
- Credit card, fund transfer, forgery and counterfeit money increase limit
- Refrigerated property damage
- Personal injury
- Special debris removal coverage

Helpful savings now, serious value later
When it comes to insurance, you should never pay more or less than you need to get proper coverage. We price your coverage fairly for the financial protection it provides because we want you to be covered when you need it. Plus, you can earn big savings on your premiums by making smart choices that reduce your risk, such as:
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Combine multiple policies from Northern Neck and you can save 25% or more. For example:
- Save 25% on your auto premiums when you insure your auto along with a Northern Neck homeowners policy
- Save another 10% on home or renters policies when bundled with an auto policy
- Save 5% with a bundled Umbrella policy
- Save even more with our loyalty discounts, plus savings for non-smoking homes, mature members, and more.
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Installing safety equipment reduces your risk of property loss due to theft, vandalism, flooding, fires, and other disasters. You can earn a 2-5% discount when you install:
- Smoke detectors
- Deadbolt locks
- Local fire and burglar alarms
- Monitored and approved security and fire systems
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Everyone's risks are different, so we created coverage enhancements that let you add the coverage you need without extra bells and whistles, such as:
- Homeowners enhancements like debris removal, replacement cost on refrigerated food, and credit card fraud
- Inland flood protection
- Cyber protection such as identity theft, forgery, and cyber bullying
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Deductibles are your out-of-pocket costs when you have a claim. When you set higher deductibles, you pay more if you have a claim, but you save by lowering your premiums. Setting the right deductibles is part of good financial planning.
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What's covered under a standard home insurance policy?
A standard homeowners insurance policy can provide coverage to repair or replace your home and its contents in the event of damage.
Learn More -
Do you have enough coverage to rebuild your home?
Understand the difference between actual cash value and replacement cost value.
Learn More
From heartbreak to home.
Long-time members Ricky and Sandy Harper found their way back home after a devastating house fire.

Generations of trusted expertise
Picture having a knowledgeable neighbor whose family has been part of the community for generations to assist you with your insurance choices. Our licensed advisor network consists of a carefully chosen group of pre-screened insurance specialists, selected for their knowledge and dedication to clients. Our experts are ready to assist you with:
- Finding the right coverage at the best rate
- Filing claims
- Coverage questions
- Tips on protecting your home, saving money, and more.
Find homeowners insurance near you: Richmond, Charlottesville, Lynchburg, Roanoke, and Winchester.
What Members Say
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Kelly L.
Just had the BEST interaction with Miss Lisa at Northern Neck Insurance Company ... Lisa was patient, kind and knowledgeable!! Thank you so much Lisa for all your help and NNIS you should be thankful to have an employee like Miss Lisa she was incredible! :)
2025-02-28 -
Jake T.
I got to work with Justin H. today for an adjuster meeting and was highly impressed! Justin was professional, prompt, thorough, and detail oriented. He even took the time to review over his reasoning and determination on coverage in person before leaving the home. I look forward to working with him more in the future!
2025-02-26 -
Sterling L.
Always great customer service. You can find insurance anywhere but you won't find better service than Northern Neck Insurance. Rich is a class act! Thanks for the dedication to your customers it means a lot.
2025-01-31 -
Stephanie C.
Had a small accident with someone insured by Northern Neck. My experience with them was quick, easy, and got my car on the way to repair without issue. Appreciated how easy it was! Thank you!
2025-01-09 -
Paul M.
Damages from Hurricane Helene were taken care of very professionally and with great care of the policyholder. NNI staff were the best; so empathetic and concerned about the client.
2024-11-25 -
Stacy R.
We had some damage done to our car, it was our fault but we filed the claim and got a response very quickly. They assigned someone to handle the claim and he did everything he said he would do. The car was repaired and everything was back to new condition in no time. Very happy with the process.
2024-09-11 -
Shannon D.
Northern neck has always been amazing to work with! Thank you!!
2024-12-05 -
Angie
My son hit a deer and our insurance company was quick to resolve it with no issues or problems very pleased with the way they handled the situation.
2024-12-11 -
Denise C.
The insurance company took very good care of me and my family in our time of need. They were very friendly and accommodating. We are pleased with the entire experience.
2024-11-04
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A few standard coverages come with our homeowners insurance policy. Contact your independent NNINS agent to review your policy. You can find your agent's contact information on your policy documents or on your NNINS online member account. Here's a breakdown of each type and what they include:
- dwelling
- other structures
- personal property
- loss of use
- personal liability
- medical payments to others
Learn more about these coverages.
For a nominal annual fee with our Superior Homeowners Endorsement, you add coverages for:
- Credit card, fund transfer card, forgery, and counterfeit money (increased limit up to $2500)
- Earthquake damage, sinkhole collapse, special debris removal coverage, loss caused by water that backs up through sewers or drains (personal property sub-limit of $25,000 applies)
- Refrigerated property damage
- Personal injury
- An additional $1000 in medical payments to others
- Ordinance or law: coverage for the increased costs known or estimated by the insured for materials and labor to repair or replace the damaged property, demolish the undamaged portion of damaged property, and clear the site of resulting debris according to the ordinance or law.
- Most of our add-on coverages
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Standard home insurance does not cover everything and home maintenance is critical. Standard homeowners policies do not cover:
- flooding damage
- earthquake damage ( unless you have our superior homeowners endorsement)
- home-based businesses
- willful loss or damage you or any in-house family members
- damage by a governmental entity
- damage from insects, animals, birds, and other pests
- issues stemming from poor maintenance or neglect
- damage from warfare activity
- damage to property beyond your coverage limits
- any exclusions named on your policy
- most long-term water damage and mold
Learn more about what is not covered by standard home insurance.
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The average cost for a standard homeowners insurance policy in Virginia is $1,445 annually, based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. (Source: Nerd Wallet)
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Home insurance is not required by law in the state of Virginia. However, mortgage companies usually require it for loans, and acquiring home insurance can protect you from financial loss.
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Homeowner premiums are calculated individually for each policyholder and are based on a number of different factors, including the age, value, condition, geographic location and correlating risk, construction quality of your home, as well as your insurance history, previous claims and more.
Factors that affect your homeowners insurance rate include:
- Amount of coverage: the more coverage you add, the higher your premium.
- Deductibles: the higher deductible you choose, the lower the premium, and the higher your out-of-pocket for a claim.
- Condition of home: better-maintained homes in localities with municipal fire services cost less to insure.
- Insurance history and claims can increase your premium and may even prevent us from being able to cover you.
- Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount.
- Bundling your homeowners coverage with other Northern Neck Insurance products, such as auto insurance, will get you a generous discount.
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No, standard homeowners policy excludes flood coverage. We do offer Inland Flood Coverage for homeowners and renters who may not be in a high-risk flood zone but who could experience flash floods or other unexpected sudden flooding. Learn more about the difference between flood insurance and Inland Flood Coverage. Standard Home Insurance can pay for water damage to your home from a hurricane if it results from sudden damage such as a tree falling on your house.
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We have a variety of affordable endorsements to our home insurance coverage:
- Personal property replacement cost
- Rural estate coverage
- Cyber protection
- Equipment breakdown coverage
- Extended replacement cost
- Personal property replacement
- *Service line coverage
- *Inland flood coverage
*Not included in homeowners superior risk endorsement
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Homeowners insurance goes up for many reasons. Policy details, such as deductibles and limits affect your rate, as well as factors about your home. Those factors include location, age and construction materials, size, condition, age, proximity to water. Learn more and speak with your local independent agent for expert insight on your individual policy.
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Your local agent can advise you on whether or not to file a claim. Even then, it may be difficult for your insurance agent or our claims team to predict how the claim will work out due to the variables that differ with each scenario. You can plan best by being sure to have adequate emergency funds available in case you decide not to file and to cover deductibles when a claim makes the sense. Learn more about home insurance claims.
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Yes, you can, and your local agent can advise you. You can request that your prior policy be canceled on, before, or after your new policy's effective date. Be sure to avoid any lapses in coverage.
If you have an escrow account, you must inform your lender that you're switching home insurers. You will receive a refund check from your prior homeowners insurance company or from NNINS if you cancel your policy before it expires, reimbursing you for the coverage you already paid for. NNINS does not charge a fee to cancel your policy early.
We are happy to start your quote today!
* Good Counsel is Key - Our goal is to be helpful, but this information is never intended to replace the counsel of a licensed insurance advisor. Coverage varies from carrier to carrier and policy to policy. Claims are subject to the terms of your individual policy and are evaluated for coverage based on individual loss facts. Always seek the advice of an insurance professional when it comes to decisions and answers about your coverage. We’re happy to connect you with our knowledgeable insurance experts or an independent agent in your Virginia community.
Not sure
where to start?
You don’t have to decide on your own. Contact a Northern Neck Insurance expert today to find the plan that’s right for you.
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Jennifer
Independent Insurance Agent
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