Home and Auto Insurance for Ashburn Households

Virginia's minimum is 50/100/25: $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage. The limits rose from 30/60/20 on January 1, 2025 under House Bill 1077 (Va. Code 46.2-472). Uninsured and underinsured motorist coverage is also required and matches your liability limits by default. We quote higher limits next to the minimum so you can see what the extra protection costs before you choose.

No. That option ended on July 1, 2024 under Senate Bill 951. Every vehicle registered or renewed in Virginia now needs at least minimum liability insurance. If you are moving to Ashburn from a state where you skipped coverage on a second car, call 717-229-5115 and we will quote a policy that lets you register it.

Usually it is worth pricing. Many carriers discount a policy when your home and cars sit with the same company, and a closing date is the natural moment to compare both. We quote the house and every car in one conversation, then show you the bundled price next to the best standalone options so you keep whichever combination costs less for the same coverage.

It may. Ashburn station opened on November 15, 2022 as the western end of the Silver Line, and a household that rides Metro to work can log far fewer miles than a daily Greenway driver. Low-mileage tiers or usage-based programs may lower the premium where a carrier offers them. Tell us your real annual mileage when you quote and we place it with a carrier that rates it.

Yes. A renters policy covers your belongings against theft, fire, and other covered perils, adds personal liability if a guest is hurt in your unit, and pays extra living costs if the place becomes unlivable after a covered loss. Adding renters coverage to your car policy is often one of the cheapest ways to unlock a multi-policy discount, so we price it both ways.

Most start with general liability, and many save by moving to a Business Owner's Policy that packages liability with business property. Contractors and subcontractors working Loudoun job sites are often asked for a certificate of insurance before they start, and consultants and tech firms add professional liability for errors and omissions claims. We quote the combination your contracts call for so you can sign without a coverage gap.

Yes. We place primary liability, physical damage, cargo, and non-trucking liability for owner-operators and small fleets running dump trucks, flatbeds, and box trucks around Ashburn. See our Ashburn trucking insurance page for Virginia intrastate filing rules, or call 717-229-5115 to get a truck quoted.