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Damage from electrical fires, kitchen fires, a candle left out or an iron left on, or a lightning strike that fries electronics and wiring
Collapsed roofs, damaged gutters, leaks caused by ice dams, burst pipes caused by frozen heating units, structures damaged by falling trees
Damaged roofs, tornado damage, broken windows, damage from airborne objects, wind-driven moisture that seeps inside your home
Water Damage from Plumbing or Appliances
Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure
This coverage helps protect the four walls of your home. It covers damage to the physical structure of your home from disasters like falling trees and fire.
Garages, sheds, workshops, and even porches are considered separate structures from your factory-built home. This coverage protects those structures in case of damage.
Your personal belongings can be stolen, burned, waterlogged, and more. This coverage protects your furniture, bicycles, stereos, and more, even if they’re stored away from home.
Liability insurance can help protect you if someone sues you for damages after being injured on your property, or if you injure someone else or their property.
Even if you’re not legally responsible, you may need to cover medical expenses for someone who was injured on your property. This coverage helps pay for those costs.
They're actually not. The biggest difference is their foundations. Modular homes, also known as factory-built or prefab homes, are placed on a permanent foundation and aren’t meant to move again. On the other hand, manufactured homes are built straight onto a steel chassis with wheels. This trailer “foundation” makes it a true mobile home that can be moved or towed.
A typical policy covers the physical structure of your home, your personal belongings, and more. It’s similar to traditional homeowners insurance, but differs whether or not you own the land your home sits on and other factors. Your coverage should be customized to your specific situation, which is where a local agent can help. We’ll help you sort through the options and get just the coverage you need—without paying for unnecessary add-ons.
Because when it comes to covering your things, it’s important to first know what stuff you’re covering. And that means taking an inventory. If you’re wondering how to fill out a home inventory, we’ve got you covered.
Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The coverage amount of these policies varies based on what you’re protecting.
The preceding insurance descriptions contain only a general explanation of available coverages and are intended for informational purposes only and do not replace or modify your individual policy’s provisions and applicable endorsements which control coverage determinations. To learn more about insurance coverage talk to your local Virginia Farm Bureau Agent.