Virginia Insurance | Coastal Valley Insurance

HOME & PROPERTY COVERAGE

A two-story house with a white brick exterior, a porch with white columns, hanging flower baskets, and potted plants. The house has beige siding on the upper level and a gray shingle roof, surrounded by green trees and a well-maintained lawn.

At Coastal Valley Insurance, we help homeowners, renters, and property managers throughout Hampton Roads and surrounding areas of Virginia find the right insurance coverage. Whether you own your home, rent an apartment, or manage rental properties, we take the time to explain your options and make sure you’re properly protected against unexpected events.

Home insurance isn’t just about meeting lender requirements—it’s about protecting your property, possessions, and financial security.

Homeowners Insurance

A two-story house with beige siding, black shutters, and a central stone accent wall. It has a front staircase leading to the main door, which is arched with glass panels. The house features four large windows, two on each level. There is a driveway with a basketball hoop, a landscaped front yard with small bushes, and a clear sky with some clouds.

Covers your house and attached structures, plus personal property inside your home.

Dwelling Coverage: Protects your home from damage caused by fire, storms, or accidents.
Personal Property Coverage: Covers belongings like furniture, electronics, and clothing.
Liability Coverage: Protects you if someone is injured on your property.
Additional Living Expenses: Covers temporary housing if your home is uninhabitable due to a covered loss.

💡 Virginia tip: If you have a mortgage, your lender will require a minimum level of coverage. However, insuring your home at its full replacement cost is often more ideal to ensure it can be fully rebuilt after a loss.

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Renters Insurance

Modern living room with a wall-mounted flat-screen TV, framed abstract artwork on the wall, a white console table with decorative items, a white upholstered chair, black dining chair, round wooden table with a bowl of oranges, and sliding glass doors with beige curtains.

Protects your personal property and provides liability coverage if you rent a home or apartment.

Personal Property Coverage: Replace stolen or damaged items.
Liability Coverage: Protects you if someone is injured in your rental.
Additional Living Expenses: Covers temporary housing if your rental becomes uninhabitable.

💡 Even if the landlord has insurance on the building, renters’ insurance protects your belongings and liability.

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Landlord / Rental Property Insurance

A hanging sign that says 'For Rent' attached to a metal decorative bracket outside a brick building against a blue sky with wispy clouds.

Designed for property owners renting out homes or apartments.

Dwelling Coverage: Protects the building itself from damage.
Liability Coverage: Covers legal costs if tenants or visitors are injured on the property.
Loss of Rental Income: Replaces lost income if the property becomes uninhabitable due to a covered event.

💡 Virginia landlords are not legally required to carry insurance, but it’s highly recommended.

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Umbrella / Additional Coverage

Wooden house with a roof and a large umbrella with a curved handle, all made of wood, on a wooden surface.

Optional policies that provide extra protection above standard limits.

Umbrella Coverage: Adds extra liability protection for lawsuits or large claims.
Flood or Earthquake Coverage: Standard policies often exclude these risks—optional add-ons provide coverage.

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Why Coverage Matters

The right Home & Property insurance policy helps protect:

Your home or rental property
Your personal belongings
Your finances and liability
Peace of mind knowing you’re prepared for unexpected events

At Coastal Valley Insurance, we simplify the process, answer your questions, and help you choose coverage that fits your needs—so you can rest easy knowing your property is protected.

  
      Coverage Type
      Typical / Lender Guidance
      Recommended Coverage
      Why It Matters
    

  
      Dwelling / Property
      Replacement value or loan + 5–10% debris removal
      Full replacement cost
      Ensures your home can be rebuilt fully
    

      Personal Property
      Optional / limited
      20–30% of dwelling
      Protects belongings from loss or theft
    

      Liability
      $100,000 typical
      $300,000+
      Protects against lawsuits and injuries
    

      Additional Living Expenses
      Optional
      3–6 months of expenses
      Covers temporary housing if displaced
    

Coverage Type	Typical / Lender Guidance	Recommended Coverage	Why It Matters
Dwelling / Property	Replacement value or loan + 5–10% debris removal	Full replacement cost	Ensures your home can be rebuilt fully
Personal Property	Optional / limited	20–30% of dwelling	Protects belongings from loss or theft
Liability	$100,000 typical	$300,000+	Protects against lawsuits and injuries
Additional Living Expenses	Optional	3–6 months of expenses	Covers temporary housing if displaced

📞 Get a Quote Today

Ready to get started? Request a quote today or call/text us to review your current coverage and explore your options. Coastal Valley Insurance is here to help you find the right policy for your home, rental, or property investment.