Virginia Home and Auto Insurance
Brightway Insurance, The Ganim Agency is based in Raleigh, NC, and we're licensed in Virginia too. We help Virginia homeowners and drivers compare coverage by phone and video. Here's what to know about home and auto insurance in Virginia.
Virginia auto insurance requirements
Virginia's minimum auto liability limits are:
These are often written as 50/100/25 and took effect January 1, 2025. Uninsured and underinsured motorist coverage is also part of Virginia's requirements. The minimum is only a floor. If you own a home or have savings, higher liability limits and an umbrella policy are worth pricing.
Virginia homeowners insurance basics
A typical homeowners policy covers your home, other structures, belongings, additional living expenses after a covered loss, and personal liability. A few things to check on any Virginia policy:
If your Virginia home insurance is non-renewed
Virginia gives owner-occupied homeowners specific protections:
According to the Virginia Bureau of Insurance, an insurer can't non-renew you solely because of a claim that resulted mainly from natural causes, or because of your age, race, or several other listed factors.
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The Virginia FAIR Plan (VPIA)
The VPIA is Virginia's FAIR Plan, a market of last resort for property that can't get coverage in the standard market. The Bureau of Insurance says it should be a last resort because premiums are generally higher and coverage is often more limited than with private companies. If you've been turned down by one company, try others first. An independent agent can do that comparison for you.
Why use an independent agent in Virginia
Instead of one company's rates, we can compare several carriers for your home and auto, and help you decide whether bundling saves money. Carrier availability varies by state and by property, so we'll tell you which options fit your situation.
Frequently Asked Questions
What are the minimum car insurance limits in Virginia?
50/100/25: $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage, effective January 1, 2025. Uninsured and underinsured motorist coverage is also part of the requirements.
How much notice must a Virginia insurer give before non-renewing my home policy?
At least 30 days' written notice, with the specific reason, for owner-occupied homes.
Can I appeal a non-renewal in Virginia?
Yes. Within 10 days of receiving the notice, you can ask the Insurance Commissioner in writing to review it.
What is the Virginia Property Insurance Association?
It's Virginia's FAIR Plan, a market of last resort for homes that can't get standard coverage. Coverage is often more limited and premiums are generally higher.
Can a Raleigh agency insure my home in Virginia?
Yes. We're licensed in Virginia and can quote by phone or video. Carrier availability varies by property.
Get a Free Quote From a Local Independent Agent
Brightway Insurance, The Ganim Agency is an independent Brightway agency based at 5561 McNeely Dr, Unit 203, in Raleigh. We've served clients since 2014 and are licensed in North Carolina, Virginia, South Carolina, and Texas. Because we're independent, we can compare several carriers for you instead of just one. Carrier availability varies by state and by property.
Start your quote online or call 919-443-3300 to talk with our team.
Get a Triangle insurance quote in 60 seconds
Independent Raleigh-based agents. 25+ carriers, one call.
Quotes provided by Brightway Insurance, The Ganim Agency • Independent agency