Home Insurance in Harrisonburg, VA
- Over 39 Years' Experience
- Same-Day Quotes
- Fully Licensed
- Over 39 Years' Experience
- Same-Day Quotes
- Fully Licensed
Why do you need homeowners insurance?
Here at Jenkins Insurance & Financial Services, we understand the importance of getting dependable homeowners insurance that is why we work on giving you the best company and policy to protect your property.
To learn more about our packages for home insurance in Harrisonburg, VA, keep reading below.
Homeowners insurance definition
Homeowners insurance is a type of insurance that covers the structures and personal belongings of the policyholder. This type of insurance is often required by mortgage lenders in purchasing your home. It is an ideal type of protection for years of hard work.
Home insurance policies cover a range of options tailored for your needs and lifestyle. When reviewing your home insurance options, consider the following coverages:
- Fire
- Personal property/contents
- Property damage
- Additional living expense/loss of use
- Jewelry, fine arts and collectibles
- Medical expenses
- Personal liability
- Miscellaneous coverage
- Personal injury
- Umbrella
- Excess liability coverage
- Flood coverage
- Secondary home
- Collectible cars
- Wine collection
- Water back-up
- Off-premises theft
Things Covered Under Homeowners Insurance
Structure
Home insurance in Harrisonburg, VA has coverage for the home's structure and for general repairs and rebuilds in cases where there is damage caused by fire, hurricane, lightning, or other covered disasters. It may also include structures that are not attached to the house like tool sheds, gazebos and garages. However, homeowners insurance will not pay for routine wear and tear.
Personal Belongings
Clothes, artworks, sports equipment, furniture, electrical appliances and other household goods are all covered under homeowners insurance when destroyed by a disaster outlined in the policy or lost because of theft usually at a certain amount or percentage of the overall value. Additionally, policies that offer full coverage can also be purchased.
Liability
The liability portion of the homeowners policy offers protection to the policyholder and his or her family against lawsuits for cases like bodily injury or property damage caused to other people. Additionally, liability pays for damages caused by pets. It also pays for the policyholder's defense in court and anything that the court might award to the other party up to the policy limit.
Types of Homeowner’s Insurance
Special Form
This is the most comprehensive type of single-family homes and most frequently used.
Other Types
- Condominium - there are specific policies available for condominium owners that you can discuss with your agent.
- Old Homes - older homes, these are most of the time historic homes that require special considerations. There are companies that specialize in this type of coverage.
Broad Form
This policy builds on basic form by providing coverage for additional perils as specified.
Premier
This policy covers everything in a special homeowners policy. All content that is damaged or destroyed due to a hazard is covered provided that the cause of destruction is not explicitly excluded within the policy.
Basic Form
Known as basic form homeowners insurance, this policy offers protection from hazards or perils on a home or the things considered as damage or destruction by the insurance industry.
Why Jenkins Insurance & Financial Services?
We value a healthy relationship with our clients. We will be with you every step of the way, especially in times when you need us the most. We will make sure that your claim is taken care of and help you communicate effectively with the insurance company.
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