Front Royal, Virginia Home Insurance

The repercussions of owning a home without insurance can be very costly because any damages are your responsibility, which is why it’s often required. HIS Insurance & Service helps customers in the Front Royal, VA, area find the right homeowners’ insurance to fit their needs and budget. When you purchase a home, you’re making a serious financial investment and it’s a good idea to have insurance that will protect it from a variety of scenarios. From basic liability coverage to comprehensive policies, insurance can cover your home’s structure, injuries from accidents on the premises and certain personal items. Insurance for your home can also include special coverage options that protect your home in case of a fire or earthquake. Meet with one of our qualified agents today and find out what type of policy best fits your coverage needs.

Homeowners’ insurance in Front Royal

What Does Homeowners’ Insurance Include?

Homeowners’ insurance may provide coverage for damages to your house, injuries that occur on your property or provide financial assistance if you are responsible for damage to someone else’s property. Additionally, you could also receive coverage to take care of court fees, food and lodging if you have to abandon your home. Meeting with an insurance agent can help you figure out which form of insurance will be the best fit.

Our insurance agents typically offer the following kinds of policies:

HO-1 Policy

An HO-1 insurance policy gives you essential coverage. It deals with harm caused by certain instances, including fire, lightning, windstorms, hail and explosions. These plans also usually cover damage caused by civil unrest and volcanic eruptions. Since this policy is very limited, many states don’t usually offer it to customers.

HO-2 Policy

This policy secures you against 16 types of events, including damage from theft, vandalism and riots. An HO-2 policy will take care of hail damage, windstorm damage and broken glass, as well as destruction caused by smoke and any damage incurred by a vehicle. If your pipes rupture or your roof disintegrates, this policy will also take care of that.

HO-3 Policy

The HO-3 policy covers all possible grounds of destruction to your property and possession loss, with the exception of explicitly listed events. Exclusions vary from policy to policy, so go over yours conscientiously to recognize what is going to be excluded.

Basic vs. Extra Coverage

A simple homeowner’s policy typically covers the money it will cost to repair compromised property, as well as the restoration costs if your home is destroyed. It also covers your belongings, but the contents of your household are only covered for up to 40 percent of the home’s insured value. Extra coverage will protect you against fires and earthquakes, as well as dealing with the loss of personal property like jewelry, computers and cameras.

Contact Us for More Coverage Information

Protect your home and the investment you’ve made into your property with a sufficient homeowners’ insurance policy. The agents at HIS Insurance & Service are here to help you find the coverage that suits your needs. Call us at 800-240-3654 to request a quote in Front Royal, VA.

Home Insurance From HIS Insurance

HIS Insurance & Service is a trusted provider of homeowner’s insurance policies in Front Royal, Virginia.


2810 Valley Ave,
Winchester, VA 22601


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789A E Market St,
Harrisonburg, VA 22801


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We have many clients througout Winchester VA, Harrisonburg VA, Front Royal VA, Stephens City VA, Berryville VA, Woodstock VA, Warrenton VA, Leesburg, VA, and the Surrounding arreas.

For affordable insurance policies in Northern Virginia, whtether it's auto, home or business, contact HIS Insurance.