Buying your first home is one of the most exciting moments of your life. Most people have to plan and save for years before they are ready to be homeowners. If you purchased your first home in Virginia, you will need a home insurance policy. Because your new house will likely be your most expensive asset, you need to be protected. If you have never owned a home, you should know what is covered under a standard Virginia home insurance policy.
This will protect the structure of your home, such as the walls and the roof. It will also cover any structure attached to the house such as a garage or a deck.
This will protect any structure on your property that isn't attached to your house, such as a detached garage, storage sheds, and fences.
This will cover all of the items inside your home if it is damaged or destroyed during a covered event. It will also cover your items if they are stolen, even if they aren't inside the house when they are stolen.
This will protect you if someone sues you after being injured on your property. It will also cover if you or a member of your family causes damage to another person's property. For example, if your child throws a rock through a neighbor's window, your liability coverage will pay for the damage.
If a guest is injured on your property, this part of your coverage would pay their medical bills.
If your house is damaged or destroyed during a covered event and has been deemed uninhabitable, this insurance is essential. It would cover the cost of your lodging, food, and any other essential expenses until you are able to move back into your house.
After signing the final papers during the closing of your house, contact Cannon and Associates Insurance to purchase a home insurance policy. Our agents will sit down with you to help you find a policy that will provide the protection that you need. To get your policy started, give us a call or stop by the office today.