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
This type of insurance provides fundamental coverage for destruction caused by fire, lightning, windstorms, hail and explosions.
HO-2 Policy
Safeguards you against 16 types of events, including the destruction resulting from burglary, vandalism or civil tension. It also covers hail damage, windstorm damage and broken glass, along with smoke damage and wreckage caused by a vehicle. If your pipes erupt or your roof caves in, this policy will also cover that.
HO-3 Policy
Covers all possible grounds of destruction to your property and possession loss, with the exception of specifically listed events. Exclusions differ from policy to policy, so read yours carefully to understand what is going to be excluded.
Basic vs. Extra Coverage
Basic homeowner’s insurance typically covers the money it will cost to restore damaged property, as well as the auxiliary 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 defend you against earthquakes and fires, as well as covering the loss of private property like computers, jewelry and cameras.
Get a Home Insurance Quote Today
Buying a house is a huge financial and emotional investment, so it’s important to keep it protected. Homeowners’ insurance is a great asset that ensures you’re covered in case your house is destroyed or damaged. Contact HIS Insurance and Services to learn more about the different policies available to you in Luray, VA. Call us at 800-240-3654 to get a home insurance quote today.
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