Contact Us 804.320.5488
Navigation

 

  AUTOMOBILE   HOMEOWNERS   LIFE   BUSINESS  


Homeowners Insurance

Providing Homeowners Insurance Coverage throughout Virginia
 

Homeowners insurance quote request from Randall Hall Insurance Agency
Because everyone's needs are not the same, the Richmond VA Insurance Agency welcomes the opportunity to consult with you to help assess your needs and find the insurance policy that is right for you.


What is Homeowners insurance?


Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by
floodsearthquakes and poor maintenance. You must buy a separate policy for flood insurance. Typically, earthquake insurance is covered by a rider on your homeowners policy. Maintenance-related problems are the homeowners' responsibility.


Don't forget Mobile Home Insurance
.

As with any structure called home, mobile homes can and should be insured to protect your finances from various risks. Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit. The right mobile home insurance policy offers protection for your home, possessions and finances. Click here for more information about Mobile Home Insurance.


Why do you need homeowners insurance?


It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.


Things to consider and questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.
  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

For more information about Homeowners or Mobile Home Insurance and Flood or Earthquake Insurance, contact Richmond VA Insurance Agency, Inc. at 804.320.5488 or email your questions and an insurance agent will reply promptly. To begin a quote request, use our quick and easy quote forms for HomeownersMobile Home, and Flood  insurance.  Richmond VA Insurance, located on Midlothian Turnpike in North Chesterfield,  is a full-service agency that cares about the community and is ready to serve your insurance needs.  Thank you for your interest in Richmond VA Insurance Agency, Inc..





 
Our Carriers Our Company Services Contact Us More Help
Home
Who We Are
Meet Our Team
Customer Service
Get A Quote
Make a Payment
Send A Message
Location Map
Glossary
Frequently Asked Questions
GET SOCIAL WITH US Facebook Twitter LinkedIn   
10049 Midlothian Turnpike, Suite B | North Chesterfield, VA 23235 | 804.320.5488 Powered by Insurance Website Builder

Join Our Newsletter Refer A Friend Our Partners Get A Quote