What Basic Coverage Does Homeowners Insurance Typically Cover?

Owning a home brings with it many responsibilities, some of which many first-time homeowners may be unaware of in the beginning. Insurance is an important thing to consider when you buy your own home. If any damage happened to your home, how would you afford the repairs? With all of the different coverage options that are available, it can be difficult to know what basic coverage homeowners insurance in VA typically means.

Consider Special Needs

With basic homeowners insurance policies, you can usually expect some coverage for:

  • Fire
  • Theft
  • Injury of Others
  • Rain Damage
  • Breakage
  • Hail
  • Wind
  • Broken Pipes
  • Tree Damage

Although this might seem like it covers everything, the specifics of every policy differ. The amount of coverage can change depending on the policy you are considering. You also want to consider special needs, such as if you own dogs, have a pool, run a business from your home, own horses, or are at any risk for flood.

Talk With an Agent

Speaking with an insurance agent can help you get a better understanding of what sort of homeowners insurance in VA you should be considering. There are many factors that go into determining your various levels of risk. If you are a new homeowner and are looking to get adequate coverage for your property, find a reliable insurance company to discuss your needs today.


photo credit: Katowice Nikiszowiec | Kattowitz Nikischschacht (license)