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Protect Your Property in Front Royal

What you have inside your house is not simply just a bunch of “stuff”. HIS Insurance property coverage protects your favorite possessions in instances of fire, water or storm damage or robbery. Insurance coverage is an effective way to guard your items, we also suggest maintaining records on your own. It’s easy to snap photographs and store records from any valuables you want insured. There are two specific ways that insurance can help you if your possessions or expensive items are taken or damaged:

  • Real cash worth: Belongings are generally at market value, which essentially means replacement cost minus depreciation.
  • Replacement cost coverage: Your insured personal items will be secured for what you would pay to buy the items new at the time of the claim.

Personal property insurance is most often restricted to 70 or 80 percent of the sum of the policy. Unscheduled property is covered up to the policy limit set for personal property damage and scheduled property is set at sub-limit amounts of coverage.

What’s Covered?

With personal property insurance from HIS Insurance, you can protect the following goods:

  • Furniture and appliances
  • Television sets, laptops and other electronics
  • Clothing, linen and drapes
  • Utensils and cookware
  • Watches, jewelry and other valuables
  • Memorabilia and fine art

Personal property policies do not protect the following items:

  • Any animals
  • Automobiles, recreational vehicles or trucks
  • The personal property of your occupant if you’re the landlord
  • The personal property of your licensee if you’re a resident

Personal Property Insurance Protects You

Most personal property policies guard against similar types of damage. The following are the most commonly seen:

  • Lightning
  • Damage from accidental smoke
  • Wind, tropical storms and hail
  • Explosion
  • Aircraft or vehicles
  • Vandalism and disrupt
  • Riot and civil conflict
  • Building downfall
  • Accidental water or steam seepage from appliances, plumbing systems and air conditioners
  • Falling articles
  • Frozen household appliances
  • Burglary

Reach Out to HIS Insurance Today

Keep your valuable items safe with personal property insurance from HIS Insurance in Front Royal Va. You can call us today to obtain a free personal property insurance quote or visit our website to learn more about all our extensive selection of policy offers.


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