Ashley & Associates Insurance
5544 Greenwich Rd, # 200, Virginia Beach, VA 23462
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5544 Greenwich Rd, # 200, Virginia Beach, VA 23462
View this agency's profile to learn more about their services.
5544 Greenwich Road, Ste. 200, Virginia Beach, VA 23462
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633 Independence Blvd, Suite D, Virginia Beach, VA 23462
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2000 Arctic Avenue, Virginia Beach, VA 23451
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Learn about insurance coverage options specific to Virginia Beach residents.
Complete guide to insurance in Virginia Beach: 2025 auto requirements, coastal homeowners coverage, flood insurance, and local agents who understand the risks.
Home InsuranceVirginia Beach hurricane insurance requires both homeowners and flood coverage. Learn about hurricane deductibles, flood insurance, and costs.
Home InsuranceVirginia Beach faces rapid sea level rise and tidal flooding. Learn how flood insurance protects your home, what it costs, and why coverage matters now.
Home InsuranceVirginia Beach home insurance costs 30-50% more than state average due to hurricane and flood risks. Learn what's covered and how to protect your coastal home.
Car InsuranceVirginia Beach car insurance averages $2,274/year. Learn about new 2025 requirements, military discounts, flood coverage, and how to save on coastal premiums.
As of January 1, 2025, Virginia requires 50/100/25 coverage: $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage. You also need uninsured/underinsured motorist coverage in the same amounts. Virginia eliminated the option to pay a $500 fee instead of carrying insurance, so coverage is now mandatory for all drivers.
Virginia Beach homeowners pay 60% more than the state average due to coastal risks like hurricanes, nor'easters, and tropical storms. The city has a higher natural hazard risk index than 95% of Virginia counties. Average annual premiums range from $2,460 to $3,249 for $300,000 in dwelling coverage, compared to around $1,536 statewide.
If you have a mortgage on a property in a high-risk flood zone, your lender will require it. But even if it's not required, you should strongly consider flood insurance. Virginia Beach is at the highest risk for flooding in Virginia, and standard homeowners policies don't cover flood damage. The average NFIP policy in Virginia costs about $739 per year, and it takes 30 days to become effective.
Homeowners insurance typically covers wind damage from hurricanes, but it does not cover flooding or storm surge. You'll need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer to protect against water damage from coastal storms. Make sure you understand your policy's windstorm deductible, which may be higher for hurricane damage.
Renters insurance in Virginia Beach typically costs between $15 and $30 per month. It covers your personal belongings, liability if someone is injured in your rental, and additional living expenses if your unit becomes uninhabitable. Like homeowners insurance, renters policies don't cover flood damage, so consider adding flood coverage if you're in a flood-prone area.
Yes. Virginia Beach participates in FEMA's Community Rating System (CRS), which can reduce flood insurance premiums for residents based on the city's floodplain management efforts. You may also qualify for discounts if your home is elevated above base flood levels or if you've taken flood mitigation measures like installing flood vents or barriers.
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