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Your home is probably your most valuable asset, both as an investment and as your sanctuary. 
Knowing what your policy includes is important.

Ask Yourself - Are these included in my policy now? Should they be?

  • Fire, Lightning, Windstorm or Hail
  • Explosion, Volcanic Eruption, Riot or Civil Commotion
  • Aircraft
  • Vandalism or Malicious Mischief
  • Smoke
  • Theft
  • Weight of Snow, Ice or Sleet
  • Accidental Discharge or Overflow of Water or Steam
  • Freezing of Plumbing or Related Systems
  • Rupture of Heating, Air Conditioning, Hot Water or Sprinkler Systems
  • Falling Objects
  • And several other perils not specifically excluded.

What Are the Different Coverages on My Policy?

  • The Dwelling or "Coverage A"
    • This provides protection against direct physical damage to the dwelling 
      listed on the policy - basically your home from wall to wall, floor to ceiling, 
      interior and exterior.  Also included would be any items attached to your home 
      like a garage or carport.  The dollar amount assigned to this section is a calculation 
      of what it would cost, in the even of a total loss by a covered peril, to rebuild your home 
      back to it's pre-loss condition.  This is also called a Replacement Cost Estimate or Guide.
  • Other Structures or "Coverage B"
    • Coverage under this section is extended to items not directly connected to your home 
      like a detached garage or shop as well as sheds and fences.  
      The Coverage B limit is typically 10% of the Coverage A limit.
  • Personal Property or "Coverage C"
    • The contents of your home, or all your "stuff" falls under this section.  
      Clothing, furniture, electronics, appliances, tools or anything else 
      that is not a permanent part of your home.  If any of these items are damaged or lost due to a covered peril, 
      they can be replaced at either an Actual Cash Value or Replacement Cost approach.  
      Additional endorsements can also be placed on higher value items such as jewelry, collectables or fine art.  
      Protection under this section is also extended to your personal property anywhere in the world.  
      The Coverage C limit is typically 50%-75% of the Coverage A limit.
  • Loss of Use/Additional Living Expense or "Coverage D"
    • If your are not able to live in your home after a covered loss 
      (for example a fire or flooded basement) this section of coverage 
      will provide financial assistance for you to secure other living accommodations 
      until your home can be repaired.  Also included in this coverage section would be money 
      for food and even transportation expenses.  The Coverage D limit is typically 40%-50% of the Coverage A limit.
  • Personal Liability or "Coverage E"
    • In the event a claim or suit is made against you for damages to property 
      or due to bodily injury and you are found liable, this section will pay up the the limit of liability 
      and the cost to defend you even if the claim is perceived as false, inaccurate or groundless.  
      Examples of this would include your dog biting somebody, a person is injured at your house 
      or other personal activities causing bodily injury or property damage even if they were unintentional.  
      Coverage E limits are typically $100,000 or $300,000.
  • Medical Payments to Others or "Coverage F"
    • This section is placed to cover medical expenses for people who are injured accidentally 
      in your home or on your property.  This may include hospital or doctor bills, 
      emergency response charges and other medical procedures deemed necessary due to the injury.  
      Coverage F limits are typically $1000-$5000.

Being a homeowner can be a dream come true, so don't let the above named perils become a nightmare.  
Let us help guide you through the Homeowners Policy and determine 
which one of the several companies we represent will best meet your needs 
and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Contact us today for a quote or more information!







4644 Farmville Road * Suite 1 * Farmville, VA 23901 * 434-392-8911
We are located just outside of town on Route 15, approximately 1 mile past Lowes on your right.)