Bankers Ins Central Va Bank - Powhatan
4490 Cox Rd, Glen Allen, VA 23060
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Glen Allen households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4490 Cox Rd, Glen Allen, VA 23060
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4490 Cox Road, Glen Allen, VA 23060
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4130 Innslake Dr, Glen Allen, VA 23060
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4860 Cox Rd, Ste 200, Glen Allen, VA 23060
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Learn about insurance coverage options specific to Glen Allen residents.
Complete 2025 guide to Glen Allen insurance: Virginia's new 50/100/25 auto minimums, home insurance costs, local agents, and coverage tips for Henrico County.
Home InsuranceGlen Allen home insurance averages $1,610-$1,705/year. Get flood coverage tips, storm risk info, and savings strategies for Henrico County homeowners.
Car InsuranceLearn about Virginia's new 50/100/25 auto insurance requirements, at-fault rules, and coverage options for Glen Allen drivers commuting on I-95 and I-295.
Virginia now requires 50/100/25 liability coverage—that's $50,000 per person for bodily injury, $100,000 total per accident, and $25,000 for property damage. You also need uninsured/underinsured motorist coverage at the same levels. The state eliminated the $500 uninsured motorist fee, so coverage is now mandatory for all drivers.
Virginia home insurance averages around $1,705 per year, which is about 19% below the national average. Your specific rate in Glen Allen depends on your home's age, size, construction type, and location. Newer homes in areas like Wyndham may qualify for lower rates, while older properties might cost more to insure due to outdated systems.
Your landlord's insurance only covers the building structure, not your belongings or liability. Renters insurance costs $15-$30 per month and protects your personal property against theft or damage while providing liability coverage if someone is injured in your unit or if you accidentally cause damage to the property. Many landlords now require it.
Local independent agents in Glen Allen can compare quotes from multiple carriers at once and help you identify coverage gaps you might miss on your own. They understand Henrico County's specific risks and can tailor policies to your situation. They also handle claims on your behalf, which is invaluable when you're dealing with a major loss.
No, standard homeowners policies exclude flood damage. If you're near Stagg Creek or other low-lying areas, you'll need a separate flood insurance policy through the National Flood Insurance Program or a private carrier. Many Glen Allen residents are surprised to learn they're in a flood zone, so check FEMA's flood maps or ask your agent.
You'll face a $600 statutory fine and your license could be revoked. Virginia eliminated the $500 uninsured motorist fee option in 2024, so insurance coverage is now mandatory. Getting caught without insurance can also make it much more expensive to get coverage later, as you'll be flagged as a high-risk driver.
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