Protect Your Property in Luray

There is more to your family’s home than just your material possessions. Inside every house is a treasure trove of precious and nostalgic items. HIS Insurance property coverage guards your most valued possessions in cases of natural disaster or robbery. Insurance coverage is an effective method for protecting your items, we also suggest holding onto records on your own. It’s wise to take photographs and hold onto documentation of the items you would also like insured. There are two different ways that coverage can rescue you if your possessions or valuables are stolen or destroyed:


  • Established cash worth: Belongings are normally at market value, which essentially means replacement cost minus depreciation.
  • Replacement cost coverage: Your insured personal items will be covered for the amount you would pay to purchase a brand new replacement item.

Personal property coverage 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 harm and scheduled property is set at sub-limit quantities of coverage.

Which of My Things get Coverage?

With personal property insurance from HIS Insurance, you can secure the ensuing items:


  • 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 cover 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 You

Most personal property policies protect against most of the same disasters. The following are the most typically seen:


  • Lightning
  • Smoke damage
  • Wind, tropical storms and hail
  • Detonation
  • Aircraft or vehicles
  • Damage and malice
  • Riot and civil discontent
  • Building downfall
  • Accidental water or steam discharge 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.