Personal Property in Strasburg

What you keep in your home is not simply just a bunch of “stuff”. Personal property insurance saves your most valued possessions in instances of fire, water or storm damage or theft. Property insurance is a great method for protecting your items, we also recommend keeping records on your own. It’s wise to take pictures and store records from the valuables you want insured. There are two particular ways that insurance can rescue you if your property or valuables are stolen or broken:


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

Personal property insurance is generally limited 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.

What Does Personal Property Insurance Cover?

With personal property coverage through 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 cover 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

Your Property is Protected

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


  • Lightning
  • Damage from accidental smoke
  • Gusts, hurricane and hail
  • Detonation
  • Aircraft and vehicles
  • Vandalism and malice
  • Riot and civil conflict
  • Building wreckage
  • 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.