Harrisonburg Personal Property Coverage

Your home contains so much more than just furniture and appliances, it’s full of special possessions that you are passionate about. Personal property insurance protects your most valued items in instances of fire, water or storm damage or theft. Insurance coverage is an effective method for guarding your valuables, we also suggest keeping documentation on your own. It’s smart to take pictures and store documentation of any valuables you want insured. There are two specialized ways that insurance can rescue you if your property or expensive items are stolen or destroyed:


  • Established cash equivalent: Belongings are typically covered at market value, which essentially means replacement cost minus reduction.
  • Replacement cost coverage: Your insured personal affects will be protected for what you would pay to buy the items new at the time of the claim.

Personal property insurance is generally limited 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 sums of coverage.

What Personal Property Gets Coverage?

With personal property policies through HIS Insurance, you can protect the succeeding things:


  • 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 insurance will not cover the following things:


  • 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

Stay Safe from Disaster

Most personal property policies protect against similar types of disasters. These are the most commonly seen:

  • Fire
  • Smoke damage
  • Gusts, hurricane and hail
  • Detonation
  • Aircraft or vehicles
  • Damage and malice
  • Riot and civil conflict
  • Building wreckage
  • Accidental water or steam seepage from appliances, plumbing systems and air conditioners
  • Falling objects
  • Frozen household appliances
  • Burglary

Chat with Us 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.