Homeowners Insurance in Richmond, VA
Securing optimal homeowners insurance is essential for anyone who owns a home. This commonly purchased policy may help provide coverage if an incident like a disaster or accident happens. Without it, you might have to pay for damage out of pocket, which can get seriously expensive.
What Is Covered in Home Insurance? 
Homeowners insurance may help with costs if your home or belongings get damaged or lost. Standard plans usually include the following:
- Dwelling coverage may reimburse the costs of repairing your home’s structure if it is damaged by events like fire, wind or hail. This may include walls, roofs, floors and built-in appliances.
- Other structures coverage may cover repairs to structures on your property that aren’t attached to your house, including a detached garage, fence or shed.
- Personal property coverage may provide coverage if your belongings are stolen or damaged. Limits often apply to pricier items like art or jewelry, so you might need extra coverage for those items.
- Liability coverage may pay for medical bills and legal costs if someone gets hurt on your property or if you cause damage to their property.
- Additional living expenses coverage may pay for hotel stays, food and other necessary expenses if your home becomes temporarily unlivable due to a covered event.
- Medical payments coverage may pay for minor medical bills if someone gets hurt on your property, no matter who was at fault.
Home insurance policies have different rules about what’s covered and what’s not. Events like earthquakes and floods usually need separate policies. Review your policy carefully to understand what’s included, what might be limited and where you might need extra coverage.
Secure a Policy Today
Latinos Services can help you get appropriate home insurance coverage. Contact us today to learn about your options.