A scenic view of Richmond, Virginia, showcasing the city skyline at sunset, with buildings reflecting on the river and a nearby bridge.

Virginia Insurance with The Della Agency

Protecting what matters most isn’t one-size-fits-all. At The Della Agency, we make sure your coverage fits your life, whether it’s your car in Northern Virginia, your waterfront home in Virginia Beach, or your family’s financial future. You can depend on Della to guide you through every step.

Serving these major areas and more:

  • Arlington / Alexandria / Fairfax
  • Richmond
  • Hampton Roads metro – Virginia Beach / Norfolk / Chesapeake
  • Roanoke
  • Charlottesville
  • Williamsburg

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Virginia State Insurance Requirements & Recommendations

General liability is essential, and workers’ compensation is required for most employers. Depending on your business, additional coverage for property, cyber liability, and business interruption may be wise.

Virginia requires $30,000 per person / $60,000 per accident for bodily injury, and $20,000 for property damage. Many families choose higher limits, especially in Northern Virginia or in busy areas like Richmond.

Your condo association’s master policy usually stops at the walls. This policy covers your unit’s interior and belongings.

Homeowners policies may limit coverage. For Virginia’s antiques or collectibles, we recommend special coverage to protect valuable items.

Standard policies don’t cover floods or earthquakes. Coastal homes and tidewater regions may need additional coverage for storm damage. We’ll help make sure your home is secure.

Life insurance isn’t required, but many Virginians choose 10x their annual salary to safeguard their family’s future. Retirement planning is just as important. We can help you consider 401(k)s, IRAs, and other tools to make your later years more secure.

The law requires the same minimums as with car insurance – at least $30K/$60K for bodily injury and $20K for property damage. Many riders add collision and medical payments for extra protection.

In Virginia, this coverage is especially useful for families with multiple assets, coastal homes, or boats. It adds $1M+ of extra liability over auto and home policies.

From Northern Virginia suburbs to coastal towns, pet insurance is a smart safety net. It covers vet bills in case of sickness or injuries.

Landlords usually only insure the building, not your stuff. They typically require renters insurance, which protects your belongings and provides liability.

If your RV is motorized, you are required to have liability limits as you would a car – at least $30K/$60K for bodily injury and $20K for property damage. If it’s towable, then coverage can be added to your auto or home policy.