Richmond has 229,359 residents in 104,321 households. We list 17 agencies for life insurance in Richmond. Here is what the local numbers say about the cover people here need.

Richmond at a glance

17life insurance agencies listed
56.5%of households rentRenters insurance
$353,000median home valueHome insurance
1959median year homes were builtRebuild cost calculator
13%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Henrico County

FEMA rates the overall natural hazard risk in Henrico County, where most Richmond 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 Richmond
Winter weatherRelatively High
Ice stormRelatively High

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

Insurance companies Richmond agencies work with

Of the 17 Richmond agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

The Lincoln National Life Insurance Company8 agencies
Metropolitan Life Insurance Company6 agencies
Nationwide6 agencies
Principal6 agencies
Pruco Life Insurance Company6 agencies
Transamerica6 agencies
Annuity carrier5 agencies
Mutual life carrier5 agencies
PRINCIPAL NATIONAL LIFE INSURANCE COMPANY5 agencies
The Hartford5 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Richmond agencies are

Richmond agencies we list sit in 5 ZIP codes, mostly in Henrico County.

232195 agencies
232305 agencies
232264 agencies
232232 agencies
232361 agency

Questions

Life insurance in Richmond

All insurance agencies in Richmond · Life insurance across Virginia

Where can I find life insurance in Richmond?

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 life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Richmond agencies work with?

Among the 17 Richmond agencies whose appointments we hold, the companies they are most often appointed with are The Lincoln National Life Insurance Company (8), Metropolitan Life Insurance Company (6), Nationwide (6), Principal (6), Pruco Life Insurance Company (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Richmond?

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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