Proper home insurance with the help of an Independent Agent

by mdove

Category: Insurance Blog

What most standard homeowners policies provide

  • Dwelling. Pays to repair or rebuild your home – including electrical wiring, plumbing, and heating and air conditioning – if damaged by a covered cause of loss. It’s important to buy enough dwelling coverage to cover the cost to rebuild. Learn more about cost to rebuild.
  • Other structures. Pays for damages to detached structures like garages, sheds, fences and cottages on your property.
  • Personal property. Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.
  • Loss of use. Pays your additional housing and living expenses if you must move out of your home temporarily while it’s being restored.
  • Liability insurance. Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property. Additional home coverages. There are a number of additional coverages you can add on to your homeowners policy to help you meet your insurance needs like coverage for valuable items or water back-up coverage.

Know Your Options

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. We’ll take a look at the following for your home:

  • Your home’s value
  • Ideal coverages for your home’s architecture
  • Thoroughly check for all available discounts, including multi-policy
  • Explain coverages and covered perils
  • Provide personal service when you need it

home insurance

Dove Insurance serves Virginia; including Blacksburg, Catawba, Centreville, Christiansburg, Covington, Floyd, Galax, Harrisonburg, Hopewell, Leesburg, Lynchburg, Max Meadows, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, Wytheville. We provide home insurance, auto insurance, small business insurance, umbrella insurance, commercial auto insurance, life insurance, earthquake insurance, flood insurance and liability insurance.

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