Personal Property in Flint Hill

Your home consists of so much more than simply furniture and appliances, it’s full of nostalgic items that you love and care about. Personal property insurance saves your most valued possessions in occurrences of natural disaster or burglary. Property insurance is an effective method for protecting your items, but we recommend holding onto documentation on your own. It’s wise to snap pictures and save documentation of any items you want covered. There are two specialized ways that insurance can help you if your property or expensive items are stolen or broken: 

  • Established cash value: Belongings are normally at market value, which in simple terms, means emergency cost minus devaluation.
  • Replacement cost coverage: Your insured personal items will be protected for what it would cost to buy the items new at the time of the claim.

Personal property insurance is most often 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 amounts of coverage.

Which of My Items get Coverage?

With personal property coverage with HIS Insurance, you can protect the succeeding things:


  • Furniture and appliances
  • Television sets, laptops and other electronics
  • Clothing, linen and other fabrics
  • Silverware and utensils
  • Watches, jewelry and other heirlooms
  • Collectables and fine art

Personal property insurance will not protect the following items:


  • Any animals
  • Automobiles, recreational vehicles and trucks
  • The personal property of your tenant if you’re the landlord
  • The personal property of your landholder if you’re a resident

Personal Property Coverage Protects You

Most personal property policies guard against similar types of damage. The following are the most typically seen:

  • Lightning
  • Damage from accidental smoke
  • Gusts, tropical storms and hail
  • Explosion
  • Aircraft and vehicles
  • Damage and disrupt
  • Riot and civil discontent
  • Building wreckage
  • Accidental water or steam excretion from appliances, plumbing systems and air conditioners
  • Falling articles
  • Frozen household appliances
  • Theft

Talk to 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.