Home Insurance

Homeowners insurance protects more than your house.

Your house is more than an investment. That’s why homeowners insurance also protects the things that make it feel like home. Coverage includes your belongings and the cost of repairs or rebuilding in a range of disasters, and protects you in cases of personal liability. Get the customized coverage your home deserves with expert help from our agents.

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What does homeowners insurance protect me against?

Fire or Lightning

Damage from electrical fires, kitchen fires, a candle left out or an iron left on, or a lightning strike that fries electronics and wiring

The Weight of Ice, Snow, or Sleet

Collapsed roofs, damaged gutters, leaks caused by ice dams, burst pipes caused by frozen heating units, structures damaged by falling trees

Windstorm or Hail

Damaged roofs, tornado damage, broken windows, damage from airborne objects, wind-driven moisture that seeps inside your home

Water Damage from Plumbing or Appliances

Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure

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We cover more than you might expect. Ask an agent about all the perils you're protected against with Virginia Farm Bureau

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What Homeowners Insurance Can Include

Whether you own a house, townhouse, or modular home, your policy should cover the full cost of rebuilding your home if it’s destroyed. From there, we offer a range of coverages. We’ll help you build a policy that works exactly the way you need.

Residence Protection


This foundational coverage protects the physical building you live in and any connected structures, like a garage or deck. Covered losses include damage from disasters like fire and smoke, wind and hail, vandalism, and frozen pipes.

Personal Property


The cost of replacing all your belongings from theft or damage can add up fast. We’ll help you inventory your home and ensure that the cost of things like furniture, clothing, bicycles, and TVs are covered—even if they’re damaged away from home.

Liability Protection


If you’re personally liable for someone else’s injuries or property damage, the cost of damages could jeopardize your own assets. This protection helps cover these damages as well as legal defense and medical expenses.

Related Structures


Anything not attached to your house needs its own protection. This could include a shed, in-ground pool, stand-alone garage or carport, or fence. Extend your coverage specifically for these structures.

family blowing bubbles

Additional Living Expenses


Some disasters might force you to temporarily move out of your home while it’s repaired. This coverage helps pay the cost of staying in a hotel or short-term apartment.

Medical Payments to Others


You’re responsible for injuries that happen on your property. This type of coverage can help cover the cost of medical expenses for someone who’s injured on your property, such as guests, contractors, or delivery people.

home exterior

Questions To Ask Your Agent

A standard policy covers your house, your personal belongings, your liability at home and out in the world, and additional living expenses if your home becomes uninhabitable for a time. And there’s a full range of optional coverages for high-dollar items and unique situations. Your local agent can help you identify which coverages make sense for your property.

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Because when it comes to covering your things, it’s important to first know what stuff you’re covering. And that means taking an inventory. If you’re wondering how to fill out a home inventory, we’ve got you covered.

Home Inventory 101 for Virginians

How much coverage you need depends on what type of housing you have, your budget, and what you’re protecting. Nothing can help you nail down your options better than talking with an agent who knows your area and Virginia insurance. They can ask the right questions to help you assess how much liability coverage versus personal property coverage you need and more.

Article: What Kind of Home Coverage Do You Really Need?

Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. These policies scale based on what you’re protecting.

Umbrella Insurance

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The preceding insurance descriptions contain only a general explanation of available coverages and are intended for informational purposes only and do not replace or modify your individual policy’s provisions and applicable endorsements which control coverage determinations. To learn more about insurance coverage talk to your local Virginia Farm Bureau Agent.