Virginia HO-3 items to verify
- Owner-occupied status and replacement-cost assumptions for the dwelling.
- Roof year, material, and claim history.
- In Virginia, separate wind, named-storm, and flood questions before comparing the premium.
- Wind or hail wording in Virginia can affect the deductible, roof settlement, and inspection follow-up.
- Ordinance, water backup, and service-line options.
Homeowners form checkpoints
| Question | Why it matters |
|---|---|
| Does the quote include replacement cost? | ACV on the roof or contents can make a lower premium less useful. |
| Which deductible applies to the likely peril? | The Virginia risk mix should be checked against the deductible page. |
| Are ordinance or service-line endorsements included? | Older homes may need optional wording. |
| Is the insured name correct? | Trust, estate, or co-owner situations can affect evidence of coverage. |
Practical note
For a Virginia HO-3 quote, compare the policy form, deductible wording, and endorsement list before comparing only the premium.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.