Homeowners' Insurance Quotes | 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.