Your renewal went up again. That's not the most important question.
Virginia homeowners are absorbing some of the steepest insurance increases in the country. The bigger risk is what your policy does not cover when something actually goes wrong. We help you find out.
What is happening in Virginia right now.
The average homeowners premium in Virginia has climbed sharply over the past five years, and it is climbing again in 2026.
Homeowners in Fairfax, Loudoun, Prince William, and Arlington Counties are reporting renewal increases of as much as 25 percent without ever filing a claim. The forces driving this (reinsurance pricing, construction costs, regional risk reassessment) are not the kind of forces that reverse at the next renewal.
So price matters. We understand that.
But price is not the question that determines whether your house is protected.
Year-over-year renewal increases being reported by Fairfax, Loudoun, Prince William, and Arlington County homeowners. Without ever filing a claim.
The question almost no one is asking.
About six in ten homes in this country are underinsured. In Virginia, that risk is higher than average.
Homes here have appreciated significantly. Construction costs have moved faster than most policies have been updated. Homeowners stay in their houses longer than they used to. Renovations, finished basements, kitchen updates, and additions go unreported. The result is a regional pattern of coverage that has quietly drifted out of date.
How we work.
Good insurance starts with understanding your needs. Our team takes a consultative approach to personal and commercial insurance, helping you identify risks, review available coverage, and build protection that fits your life or business.
Located in Reston, Virginia, we serve clients throughout Virginia, Maryland, DC, Delaware, and West Virginia.
Auto Insurance
Liability and underinsured motorist coverage built for Virginia traffic.
View coverage →Home Insurance
Dwelling limits set against current rebuild costs in this region, not numbers from five years ago.
View coverage →Renters Insurance
Affordable protection for your belongings and liability inside someone else's walls.
View coverage →Landlord Insurance
Property, liability, and lost-rent coverage for rentals, duplexes, and small multi-units.
View coverage →Condo Insurance
Walls-in coverage that fills the gap your HOA master policy leaves open.
View coverage →Life Insurance
Term, whole, mortgage protection, and final-expense coverage tied to where your family is now.
View coverage →Umbrella Coverage
An excess liability layer that sits on top of your auto, home, and other policies.
View coverage →Motorcycle & ATV
Liability, collision, comprehensive, and OEM-parts coverage for road and off-road.
View coverage →Boat & Watercraft
Hull, liability, on-water towing, and uninsured-boater protection.
View coverage →Roadside Assistance
24/7 dispatch for breakdowns, flats, lockouts, jumps, fuel, and towing.
View coverage →Commercial lines for Virginia businesses.
The same coverage-adequacy conversation applies on the commercial side. Most policies were last reviewed two or three years ago, when both the business and the cost of replacing it were smaller. We read the policy. We tell you what is covered, and what is not. You decide.
Our commercial clients are mostly small business owners across Virginia. Contractors, retail, restaurants, professional services.
How we build your quote.
Most agents send you a quote based on what you tell them. We send you a quote based on what your current coverage actually says. There is no pressure to switch carriers. No obligation.
Send
You send us your current declarations pages.
Read
We read them. Line by line. The coverage review is built into how we quote.
Quote
We tell you, in plain language, what is covered, what is not, and where the meaningful gaps are. Then we build a quote against the coverage you should actually have.
Decide
You decide what to do with the information.
Where we serve.
Forbes Insurance Agencies is based in Reston, Virginia, and writes personal and commercial lines across Virginia and the broader DMV. Most of our work is concentrated in the towns at right.
We are not the cheapest agency you will call. We are the one that will tell you what your policy actually does.
Two agencies. One practice. Thirty-seven combined years writing personal and commercial insurance in Virginia. Headquartered in Reston, where we live and work.
Request a quote.
Tell us a little about what you have today. We respond from our Reston office within one business day. If you have your current declarations pages handy, we will follow up to collect them when we are in touch.