Home Insurance

Owning a home is a common goal for Virginia residents. Many people save for years to afford a home of their own. If you have finally achieved your goal and you are a homeowner, you are going to need home insurance. Because your house will likely be your most expensive asset, you want to be sure that it is protected. There are several ways a home insurance policy can benefit your home and your family.

Structural Coverage

A home insurance policy will pay to repair or replace your house if it is damaged in a fire, during severe weather, or by a falling object. This coverage extends to any other structure attached to your house, such as a garage or deck.

Other Structures Coverage

This part of the policy will cover any structure on your property that isn't attached to the home. This includes a detached garage, a storage shed, fencing and your pool. Any unattached structure would be covered if it were damaged or destroyed by fire, severe weather or falling objects.

Personal Property Coverage

If you are like most people, you want to protect the things inside your house as much as you want to protect the house itself. Your home insurance policy will cover the items in your home that have been damaged or destroyed during a disaster. It will also cover anything that is stolen during a home robbery.

Liability Coverage

Liability coverage is essential in protecting your family and your financial wellbeing. If someone is injured on your property, your liability coverage would pay for their medical bills. It would also cover any other costs associated with the accident.

Liability can also cover certain things that occur away from your home. For example, if your child throws a rock through a neighbor's window, your liability insurance would cover the cost to replace the window. If you have a dog and it bites someone on the street, your liability coverage would pay for their injuries as well.

If you recently purchased a new home, you are going to need home insurance. The professionals at David Martin Insurance Agency Inc. can get a policy started that will provide the protection that you need. To purchase a policy, visit us at one of our offices or give us a call today.