Take Care of the Things You Love in Edinburg

There is more to your home than just your superficial belongings. Inside every house is a treasure trove of special and nostalgic items. HIS Insurance property coverage protects your most valued items in occurrences of fire, water or storm damage or theft. Property insurance is a great way to guard your valuables, we also suggest keeping records of your own. It’s easy to take photographs and hold onto records of the items you want covered. There are two specialized ways that insurance can help you if your property or valuables are taken or broken: 

  • Actual cash equivalent: Belongings are generally at market value, which in simple terms, means emergency cost minus reduction.
  • Replacement cost coverage: Your insured personal property will be secured for what it would cost to buy a brand new replacement item.

Personal property insurance is typically restricted to 70 or 80 percent of the amount of the policy. Unscheduled property is covered up to the policy limit set for personal property harm and scheduled property is set at sub-limit sums of coverage.

Which of My Things are Covered?

With personal property insurance from HIS Insurance, you can secure the succeeding things:


  • Funishings and appliances
  • TVs, desktops and electronic equipment
  • Clothing, linen and draperies
  • Utensils and utensils
  • Watches, jewelry and other antiques
  • Memorabilia and fine art

Personal property policies do not protect the following items:


  • Any animals
  • Automobiles, leisure vehicles and trucks
  • The personal property of your occupant if you’re the proprietor
  • The personal property of your landholder if you’re a resident

Personal Property Insurance Protects Against

Personal property policies from HIS Insurance guard against similar types of damage. These are the most commonly seen:

  • Fire
  • Damage from accidental smoke
  • Gusts, tropical storms and hail
  • Detonation
  • Aircraft and vehicles
  • Damage and mischief
  • Riot and civil conflict
  • Building downfall
  • Accidental water or steam excretion from appliances, plumbing systems and air conditioners
  • Falling articles
  • Frozen household appliances
  • Robbery

Call HIS Insurance Today

Keep your valuable items safe with personal property insurance from HIS Insurance. You can call us today to receive a free quote!


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.