Homeowners' Insurance Quotes | Luray, VA

If your house is destroyed by a fire, earthquake, or other natural disaster, you will be responsible for the cost of reconstruction. HIS Insurance and Service can help you find the right coverage and an affordable quote for home insurance in Luray, VA. Homeowners’ insurance can include the replacement of personal property, damages to someone else’s property or injuries sustained on your property. In addition, your homeowners’ insurance provide coverage for court fees, food and shelter if you have to vacate your home. Discussing your options with an insurance agent can help you choose which kind of policy works best for you.

What Does Homeowners’ Insurance Provide?

When you buy a house, getting insurance on it is often required if not strongly suggested. This is because any number of unexpected incidents can happen that could put you in a difficult financial position when there isn’t a safety net in place. What your policy covers depends on the type of insurance that you select and it can also affect the homeowners’ insurance quote you receive from an agent. Your policy can include coverage for floods, vandalism and burglary among other unforeseen circumstances. To get a home insurance quote and find out what kind of coverage best suits your home, talk to an experienced insurance agent serving Luray, VA.

Speak with Our Home Insurance Agents

The agents at HIS Insurance and Service can connect you to leading homeowners’ insurance providers who can give you comprehensive coverage options. We will assist you in choosing a policy that’s beneficial to you and provide you with a quote for home insurance.

The most fundamental types of home insurance policies are listed as follows:


HO-1 Policy

An HO-1 homeowner’s insurance policy gives you fundamental coverage. It covers destruction caused by certain incidents, including fire, lightning, windstorms, hail and explosions. These programs also usually cover damage triggered by civil disturbance and volcanic eruptions. Since this policy is very narrow, many states don’t usually offer it to customers.

HO-2 Policy

This policy safeguards you from 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, along with smoke damage and wreckage caused by a vehicle. If your pipes burst or your roof collapses, this policy will also take care of that.

HO-3 Policy

HO-3 policies cover all possible grounds of damage to your property and belonging loss, with the exception of specifically listed events. Exclusions contrast from policy to policy, so read yours conscientiously to understand what is going to be excluded.

Basic vs. Extra Coverage

Fundamental homeowner’s insurance typically covers the money it will cost to repair impaired property, as well as the restoration costs if your home is damaged. 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 earthquakes and fires, as well as dealing with the loss of private property like computers, jewelry and cameras.


Home Insurance for Luray Residents

Get started with a new homeowners’ insurance policy from HIS Insurance & Service today!


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.