Protect Your Property in Front Royal

What you have inside your house is not simply just a bunch of “stuff”. HIS Insurance property coverage protects your favorite possessions in instances of fire, water or storm damage or robbery. Insurance coverage is an effective way to guard your items, we also suggest maintaining records on your own. It’s easy to snap photographs and store records from any valuables you want insured. There are two specific ways that insurance can help you if your possessions or expensive items are taken or damaged:


  • Real cash worth: Belongings are generally at market value, which essentially means replacement cost minus depreciation.
  • Replacement cost coverage: Your insured personal items will be secured for what you would pay 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 sum of the policy. Unscheduled property is covered up to the policy limit set for personal property damage and scheduled property is set at sub-limit amounts of coverage.

What’s Covered?

With personal property insurance from HIS Insurance, you can protect the following goods:


  • Funishings and appliances
  • TVs, laptops and other electronics
  • Clothing, linen and other fabrics
  • Silverware and cookware
  • Watches, jewelry and other valuables
  • Memorabilia and fine art

Personal property policies do not protect the following items:


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

Personal Property Insurance Protects You

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


  • Lightning
  • Damage from accidental smoke
  • Wind, tropical storms and hail
  • Explosion
  • Aircraft or vehicles
  • Vandalism and disrupt
  • Riot and civil conflict
  • Building downfall
  • Accidental water or steam seepage from appliances, plumbing systems and air conditioners
  • Falling articles
  • Frozen household appliances
  • Burglary

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.