Dwelling coverage set against current rebuilding costs in this region, not numbers from five years ago.
Virginia homeowners are absorbing some of the steepest premium increases in the country. The bigger risk is what your policy does not cover when something actually goes wrong. Most homes in Fairfax, Loudoun, Prince William, and Arlington Counties have appreciated significantly while their policies have stayed put.
We look at three things: the dwelling limit (set against today's cost to rebuild, not last decade's), the endorsements (water backup, replacement cost on personal property, increased dwelling limits, service line coverage), and the deductible structure (one number that works for both wind and the rest of the policy).
Renovations, finished basements, kitchen updates, and additions go unreported on most policies. We catch them when we read your declarations page.
Send us your current declarations pages. We read them line by line and build your quote against the coverage you should actually have.
Mon–Thu 8:30am–5:30pm · Fri 9:00am–5:00pm