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Home Insurance

Why You Need Home Insurance

Your mortgage lender in Virginia will require you to have home insurance while you are paying off your home so they can protect their investment. It’s necessary to have this insurance since it covers more than just your home structure.

What Your Home Insurance in Virginia Can Cover

Your policy should cover the full cost of rebuilding your home if it is destroyed. There is a range of coverage you can get. Work with an agent at Star City Insurance to craft a policy that suits your needs.

  • Residential Coverage: This coverage will protect the physical building you live in and any connected structures, such as a deck or garage. Covered losses include damages from disasters, such as smoke, fire, vandalism, or frozen pipes. It’s important to know that home insurance doesn’t cover specified disasters, such as flooding.
  • Related Structures: Anything that isn’t attached to the home will still need protection. This can include a standalone garage, fence, or shed. Make sure coverage extends to these structures as well.
  • Personal Property: The cost of replacing all your belongings can add up. You want to create a home inventory to make sure that you are covered in the event you do need to replace everything. Items are covered even if they are damaged while away from home.
  • Liability Protection: You are liable for someone else's injuries and property damage, and if they sue, this could jeopardize your own assets. Liability protection will cover damages as well as medical expenses and legal defense.
  • Medical Payments to Others: Since you are responsible for injuries that happen on your property, this coverage can help cover the costs of medical expenses for those who are injured, such as contractors, guests, or delivery workers.
  • Additional Living Expenses: If a disaster forces you to move out of your home temporarily, this coverage can help pay for the costs associated with staying in a hotel or a short-term rental.
Contact Star City Insurance to get a quote on home insurance or try our online rating tool.