Leesburg Personal Property Coverage

What you keep in your home is not simply just a bunch of “stuff”. Personal property insurance guards your favorite items in instances of natural disaster or robbery. Insurance coverage is an effective method for protecting your valuables, we also recommend keeping documentation on your own. It’s easy to take photographs and hold onto documentation of the valuables you would also like insured. There are two individual ways that insurance can rescue you if your possessions or valuables are taken or damaged:


  • Actual cash equivalent: Belongings are generally at market value, which basically means emergency cost minus devaluation.
  • Replacement cost coverage: Your insured personal affects will be protected for what it would cost to acquire a brand new replacement item.

Personal property insurance is typically 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 harm and scheduled property is set at sub-limit amounts of coverage.

What’s Covered?

With personal property coverage from HIS Insurance, you can defend the ensuing 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 include 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 Against

Personal property policies from HIS Insurance protect against most of the same damage. These are the most typically seen:


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

Chat with 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.