EZ Coastal Homeowners Insurance in Virginia Protect your home with HOMEOWNERS INSURANCE Because of its coastal location, Virginia homes have a unique exposure to loss. You can depend on the EZ Coastal Insurance team to get it right, quickly and conveniently. Over 9,000 homeowners in the Mid-Atlantic region turn to Heist Insurance Agency to handle the intricacies of coastal home and flood insurance. Our collective experience in living, working and insuring homes at the coast for over 55 years means you can enjoy the benefits of coastal living without worry. Let's get started! Let's Get Started on a Quote! Unique Risks for Virginia Homeowners Because of its location, Virginia homes are particularly susceptible to a broad range of natural hazards. Coastal cities face risk from rising sea levels and more frequent tidal flooding. Hurricanes and other storms cause erosion and destruction from storm surge. Special Policy Conditions for Virginia Homes Living in an area affected by frequent hurricanes and tropical storms, such as the Atlantic Coast area, means your homeowners policy will likely have several deductibles. All states bordering the Atlantic Ocean have some form of a special wind deductible. A deductible is the amount you pay before the insurance company pays for a covered loss. You can expect to see a standard deductible, a windstorm deductible and a hurricane deductible. The amount of the deductible may be a flat amount, or more likely will be a percentage of your home's building limit. It's important to check your policy before a loss so you can plan for your out-of-pocket expense should you have damage from a storm.Virginia homeowners policies will also include sub-limits of coverage for some high risk perils, like mold, water and sewer back-up, freezing pipes and more. Besides location, occupancy also plays a part in risk; many homes are seasonal, rental properties or primary homes. Each occupancy needs a different level of coverage, and markets will vary according to the risk. Your policy may contain special conditions, like keeping heat on or draining pipes if you are away from your home in the winter. If you rent your home, you will need a special endorsement on your policy. Depend on the team at EZ Coastal Insurance to explain all your options clearly and help you choose the coverage that works for you. You can count on us to make insurance EZ! With State parks, mountains and a picturesque coastline, Virginia has something for every outdoor lover. Virginia's coastal area includes miles of shoreline, four tidal rivers, the Chesapeake Bay and Albemarle - Pamlico Sound watersheds, and the Atlantic Ocean coastline. The Eastern Shore region of Virginia has more than 78,000 acres of preserved parks, natural preserves, public beaches and outdoor recreation such as hiking, kayaking, fishing and boating. One of the most beloved sites on the Eastern Shore is the Chincoteague National Wildlife Refuge, where the annual Pony Swim and Auction occurs. At Heist Insurance Agency, we make it EZ to get the protection you need to enjoy the coastal life you've worked hard for. We will put together a policy that is right for you where you live, how you live and when you live at your home.