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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
Stolen personal property including furniture, clothes, sports equipment, electronics, jewelry, and silverware
Graffiti, broken windows, destroyed landscaping—almost any willful destruction or defacement of your property
Water Damage from Plumbing or Appliances
Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure
This basic coverage insures your belongings if they’re damaged or destroyed by common disasters, such as fire or theft. Possessions stored away from home, like in a car or storage unit, are also covered.
If someone is injured at your rental house, or if you injure someone else or their property, liability coverage helps protect you from expensive legal fees and medical bills.
This covers necessary medical expenses if a visitor gets hurt at your home, even if it’s not your fault. Expenses might include an ambulance, x-rays, or an emergency room visit.
Some disasters can make your home unlivable until the damage is repaired. This coverage helps pay for temporary accommodations and things like food in certain situations.
If you’re the victim of theft, it’s hard to accept that your stuff is gone for good. Burglary and theft coverage pays to replace your belongings so you can get back to life as usual.
A standard policy covers your personal belongings, your liability at home and out in the world, and additional living expenses if something happens that makes your home uninhabitable. And there’s a full range of optional coverages for high-dollar items and unique situations. Renters insurance is also pretty cheap compared to homeowners insurance. Talk to your local agent about which coverages make sense for you.
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
How much coverage you need depends on what type of housing you have, your budget, and what you’re protecting. Nothing can help you nail down your options better than talking with an agent who knows your area and Virginia insurance. They can ask the right questions to help you assess how much liability coverage versus personal property coverage you need and more.
Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The 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.