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.
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 15 to 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.
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 The result is a regional pattern of coverage that has quietly drifted out of date.
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.
Liability and underinsured motorist coverage built for Virginia traffic.
View coverage →Dwelling limits set against current rebuild costs in this region, not numbers from five years ago.
View coverage →Affordable protection for your belongings and liability inside someone else's walls.
View coverage →Property, liability, and lost-rent coverage for rentals, duplexes, and small multi-units.
View coverage →Walls-in coverage that fills the gap your HOA master policy leaves open.
View coverage →Term, whole, mortgage protection, and final-expense coverage tied to where your family is now.
View coverage →An excess liability layer that sits on top of your auto, home, and other policies.
View coverage →Liability, collision, comprehensive, and OEM-parts coverage for road and off-road.
View coverage →Hull, liability, on-water towing, and uninsured-boater protection.
View coverage →24/7 dispatch for breakdowns, flats, lockouts, jumps, fuel, and towing.
View coverage →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.
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.
You send us your current declarations pages.
We read them. Line by line. The coverage review is built into how we 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.
You decide what to do with the information.
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.
Two agencies. One practice. Thirty-seven combined years writing personal and commercial insurance in Virginia. Headquartered in Reston, where we live and work.
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.