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.