Henrico County has 335,744 residents in 137,365 households. We list 3 agencies for accident & health insurance in Henrico. Here is what the local numbers say about the cover people here need.

Henrico at a glance

3accident & health insurance agencies listed
35.5%of households rentRenters insurance
$359,200median home valueHome insurance
1985median year homes were builtRebuild cost calculator
5.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Henrico County (the Census does not publish Henrico as a separate place). Agency count: our listings.

Natural hazard risk in Henrico County

FEMA rates the overall natural hazard risk in Henrico County, where most Henrico agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Virginia
Winter weatherRelatively High
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Virginia How much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Where Henrico agencies are

Henrico agencies we list sit in 3 ZIP codes, mostly in Henrico County.

230751 agency
232291 agency
232941 agency

Questions

Accident & Health insurance in Henrico

All insurance agencies in Henrico · Accident & Health insurance across Virginia

Where can I find accident & health insurance in Henrico?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Do I need flood insurance in Henrico?

FEMA's National Risk Index rates inland flooding risk in Henrico County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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