Virginia HO8 Insurance

Virginia HO-8 Insurance policy is designed for older homes in Virginia. The Virginia HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Virginia are Mercury, State Farm Bureau and AAA and they operate in cities such as Roanoke, Arlington, Virginia Beach or Richmond.


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What Will HO8 Insurance Cover in Virginia?

A standard home insurance policy in Virginia whether you live in Roanoke, Richmond or Arlington will cover most damages to your VA home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Virginia HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Virginia. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Virginia?

The policy will cover any home in the state Virginia such as:
  • Roanoke, VA
  • Richmond, VA
  • Arlington, VA
  • Norfolk, VA
  • Virginia Beach, VA
  • Richmond, VA
  • Hampton, VA
  • Alexandria, VA
  • Herndon, VA
  • Newport News, VA
  • Springfield, VA
  • Fairfax, VA
  • Lynchburg, VA
  • Reston, VA
  • Chesapeake, VA
  • Alexandria, VA
  • McLean, VA
  • Portsmouth, VA
  • Suffolk, VA
  • Dulles, VA