No, the state of Virginia does not require homeowners, condo or renters insurance. However, your mortgage company, Homeowners’ Association or landlord may require insurance as a condition of your loan, association standing or lease.

Policy eligibility varies by the type of claim and type of policy you have. The best way to ensure you understand your homeowners insurance is to discuss it with your independent insurance agent.

The average cost of homeowners insurance will vary by the amount of coverage needed and characteristics of your home, such as the age of the building or if it has custom construction or elaborate design.

Grange partners with independent agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain coverages that you need.

To start shopping for insurance, it's important to first determine how much insurance you need to protect your home. Contact your independent agent for a detailed review of your policy and needs.

The cost of homeowners insurance varies based on the coverages selected, construction details, deductible amount and discount eligibility. The cost is not related to a percentage of your home value. Grange offers competitive rates and deep discounts to help you save money on your insurance.

While most homeowners policies will cover dog bite injuries, it is common for insurance companies to request an animal to be excluded from your personal liability protection. The best way to ensure you have appropriate coverage is to discuss this with your independent agent.