Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

What is Home Insurance?

Home insurance, also known as homeowner's insurance, is a type of property insurance that provides coverage for your home and its contents. It protects you financially in the event of damage or loss caused by covered perils such as fire, theft, vandalism, or natural disasters.

Home insurance typically includes dwelling coverage, which covers the structure of your home, and personal property coverage, which covers your belongings. It may also offer liability coverage, which protects you if someone is injured on your property and you are held responsible.

​Safeguard your home and possessions with the right home insurance policy. 

Typical Home Insurance Coverages

Dwelling Coverage: This covers the physical structure of your home, including the walls, roof, foundation, and attached structures like garages or decks. It provides financial protection if your home is damaged or destroyed by covered perils, such as fire, lightning, windstorms, hail, or vandalism. The coverage amount should be enough to rebuild your home in case of a total loss.

Other Structures Coverage:  This covers structures on your property that are separate from your main dwelling, such as a detached garage, shed, fence, pool, pool house, or gazebo.

Personal Property Coverage: This covers your personal belongings inside your home, including furniture, appliances, electronics, clothing, and other valuables. If they are damaged, destroyed, or stolen due to covered perils, this coverage helps reimburse you for the cost of repairing or replacing them. It's important to ensure that your personal property coverage limit is sufficient to cover the value of your belongings.

Liability Coverage: This protects you if someone gets injured on your property and sues you for damages. It covers legal expenses, medical bills, and settlements or judgments if you are found responsible for the injuries or property damage. Liability coverage also extends beyond your property, providing protection if you cause damage or injuries to others outside of your home.

Additional Living Expenses: Also known as loss of use coverage, this helps with the additional costs you may incur if your home becomes uninhabitable due to a covered event. It covers expenses such as temporary accommodation, hotel stays, meals, and other living expenses until your home is repaired or you find a new place to live.

Medical Payments Coverage: This covers medical expenses if a guest or visitor is injured on your property, regardless of who is at fault. It helps with immediate medical bills, such as doctor visits, hospitalization, or emergency treatment. Medical payments coverage is designed to offer quick assistance and avoid potential lawsuits for minor injuries.

Additional Coverages:
  • Personal Liability Umbrella: This is an extra layer of liability coverage that goes beyond the limits of your standard home insurance policy. It provides higher liability limits and extends coverage to other areas of your life, such as personal activities or certain incidents not covered by your primary policy.
  • Scheduled Personal Property: This coverage allows you to protect high-value items like jewelry, artwork, collectibles, or expensive electronics by scheduling them separately and specifying their value. It ensures that these items are adequately covered against loss or damage.
  • Water Backup Coverage: This coverage protects against damage caused by water or sewage backup into your home. It covers the cost of repairs and cleanup due to water damage that originates from sewers, drains, or sump pumps.
  • Identity Theft Coverage: This coverage helps with expenses related to identity theft, such as legal fees, credit monitoring services, and the cost of restoring your identity if it's compromised.

Exclusions:  Home insurance policies typically have certain exclusions or limitations.
Common exclusions may include:
  • Flood damage: Standard home insurance policies usually do not cover damage caused by floods. Separate flood insurance is required to protect against flood-related losses.
  • Earthquakes: Coverage for earthquakes is usually not included in standard policies. If you live in an earthquake-prone area, you may need to obtain separate earthquake insurance.
  • Routine wear and tear: Home insurance is designed to cover sudden and accidental damage rather than damage caused by regular wear and tear or lack of maintenance.
  • Certain high-risk items: Some items, such as certain breeds of dogs or certain types of exotic pets, may be excluded or have limited coverage under your liability insurance. Check with your insurer for specific details.

Liability:  Liability coverage in a home insurance policy protects you financially if you are found legally responsible for injuries or property damage to others. It typically includes legal defense costs, medical expenses, and other damages resulting from a covered incident.

Liability coverage extends beyond your property and can provide protection if you cause harm or damage outside your home. However, coverage limits vary, and it's important to review your policy to ensure you have sufficient liability protection.

As always, it's crucial to carefully review your home insurance policy, including the coverages, exclusions, and liability limits. We can help you understand the specific details of your policy and customize it to meet your needs.
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600 Lee Highway
Verona, VA 24482​
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