Virginia Coverage Requirements and Choices
Virginia Property Coverage Questions
- Heavy rain, coastal storms, hurricanes in eastern areas, snow or ice in western and northern areas, wind, and hail can affect claims.
- Urban, suburban, coastal, and mountain areas can have very different risks.
Auto liability numbers do not apply to home coverage. Set dwelling and property limits from rebuilding cost, belongings, occupancy and lender or lease requirements. In Virginia, review the exact address, roof, deductible, water exclusions and any separate wind or flood policy.
Standard homeowners, renters and business policies generally exclude flood. Check the address on FEMA’s map and discuss building and contents protection separately.
FEMA address-level flood maps · Federal flood insurance guidance
