Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Danville, Spencer, & Lynchburg VA
Insurance for Homeowners Across Virginia
Protecting your home from danger is just one of many responsibilities you face as a homeowner. Taking certain measures to safeguard your home can’t prevent every accident, however, which is why you need a comprehensive home insurance policy in place.
At Schoonover Insurance Group
, we understand that every homeowner is different. We will help evaluate the risks you and your family face so that you can get a tailored insurance policy geared specifically for your home. Our dedicated agents are dedicated to building genuine relationships with homeowners throughout Virginia through honesty and hard work.
What Does Home Insurance Cover?
Home insurance is designed to protect your home, belongings and family in case of a variety of accidents. A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including:
- Falling Objects
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
Insure Your Home Today
Protect your home with a policy it needs at the price you deserve. Call Schoonover Insurance Group at (434) 792-5800 or fill out an online quote form to get started.
Common Home Insurance Questions
How Does Homeowner’s Insurance Work?
As long as you pay monthly premiums for a home insurance policy, you have the ability to file a claim to receive compensation for covered losses. This includes damages to the home, your personal belongings and more. Once a claim is approved by the insurer, you may receive compensation.
How Much Does Home Insurance Cost?
The cost of home insurance depends on your location, the value of the home, coverage limits, credit score, claims history and more. Fill out an online quote form to find out how you can save money on home insurance.
What Home Insurance is Required by Law?
Contrary to popular belief, home insurance isn’t generally required by state or federal law. However, insurance may be required by a mortgage lender if you still have a mortgage on your home.