Custom coverage tailored to your needs The best homeowners insurance in Virginia is built for you by an independent insurance agent. Get a policy with the right coverage and discounts for you. Common Virginia homeowners insurance questions Is homeowners insurance required in Virginia? 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. How many homeowners insurance claims are too many in Virginia? 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. How much is homeowners insurance in Virginia? 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. How do I shop for homeowners insurance in Virginia? 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. Is the cost of insurance based on a percent of my home value? 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. Will homeowners insurance cover dog bite injuries? 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. Many ways to save Save money with a variety of discounts. See all discounts A custom policy made for you Learn about coverages most important to you. See all coverages Read reviews from customers in Virginia We are committed to using feedback to improve our customer service. Here’s what some Virginia home insurance customers have to say about Grange. Carla S. Our agent suggested Grange. They are knowledgeable, helpful and have great customer service. Great choice. We are very pleased. Ervin P. Great coverage at an affordable price. I am very comfortable with this company. Patricia P. Customer service is excellent. Very courteous and knowledgeable. My issue was resolved quickly and the customer service personnel was friendly and showed empathy. Made me feel so at ease. Anthony G. Great customer service. Very responsive when I call. Read more customer reviews Why independent agents? They work for you Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers. More coverage options Independent insurance agents consider your needs and any unique home features to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options. It's easier to comparison shop Unlike shopping for home insurance online, working with an independent agent makes it easy to compare homeowners policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions. Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.