Homeowners insurance in Richmond, VA
Homes range from starter capes to coastal properties with very different wind and water exposures. An independent agency can compare carriers that fit your home and your area, not just one company's appetite.
Richmond, VA market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Homeowners coverage to consider
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Independent agencies in Richmond
13 businesses listed from public licensing records, shown alphabetically. Listings are not endorsements.
Richmond, VA
In records since 2002 · NPN 660537 · public licensing record
Richmond, VA
In records since 2026 · NPN 22092330 · public licensing record
Richmond, VA
In records since 2017 · NPN 18339091 · public licensing record
Richmond, VA
In records since 2013 · NPN 16819819 · public licensing record
Richmond, VA
In records since 2013 · NPN 16873755 · public licensing record
Richmond, VA
In records since 2011 · NPN 13480976 · public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Frequently asked questions
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Why do coastal or higher-risk homes get special attention?
Wind, wildfire, and coastal exposure can affect carrier appetite and deductibles in some areas. Independent agents know which carriers write in your area.
What if my home is older?
Older homes can raise questions about roof age, wiring, and replacement cost. An agent can help document updates so carriers rate the home fairly.
Tell us what you need once.
We'll route your request to an independent agency serving Richmond — and you'll always know who may contact you.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.