A typical Virginia home insurance policy is comprised of six primary coverages.
Dwelling coverage kicks in when a house is damaged or destroyed from a problem listed in the coverage. This could include fire, wind, lightning, or the weight of ice and snow on the roof.
Loss of use coverage pays for the expenses you may incur if you are forced to move out of your home while repairs are occurring. This can cover hotel fees and food costs if you are kicked out of your home.
This coverage type pays for smaller medical bills in the instance that someone is injured on the homeowner’s property.
Personal liability coverage financially protects the homeowner if they are legally responsible for the injury of another person or property damage. This coverage also pays for legal defense costs that may arise as a result of a liability lawsuit.
A home policy can protect your belongings and provide the finances needed to replace or repair the items. If you have high valued items, such as jewelry or a collection, you will need to notify your agent to get proper extended coverage for these items.
Additional coverages may be purchased to protect structures that are not attached to the house like a shed, fence, or garage.
For most, the most significant purchase they will ever make is a home or vehicle, so it makes sense to purchase the best possible protection within budget. An insurance policy is a contract, so it is essential to understand the details. This means that the lowest priced option does not always offer the best policy, so it is vital to find a balance between price and the best coverage.
This is where Mutter Insurance Agency comes into play. Our experts can help you find a reliable home insurance option within your budget to ensure you and your family are protected. So, contact us or stop by today to learn more about the various options you have available! We are ready to answer your questions.