Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Insurance for Homeowners Throughout Northern Virginia
When looking to insure your home, you want a policy that covers your belongings at an affordable price. Home insurance
should be a source of comfort, not a source of stress, so it is important to be confident in the policy that is in place to protect your home and your family.
The insurance professionals at Hardy Insurance Agency use our strong insurance background to help you find a policy that is perfect for your home and insurance needs.
What Does Home Insurance Cover?
A basic home insurance policy usually covers:
Dwelling: Dwelling coverage provides compensation if your physical home or its attached structures are damaged due to fire, lightning, smoke, wind, hail, explosions, theft, vandalism and more. Some permanent unattached structures can also be covered.
Personal Belongings: Personal belongings coverage provides compensation if your personal items are lost or damaged due to fire, lightning, smoke, wind, theft, vandalism and more.
Liability: Liability insurance covers expenses related to bodily injury and property damage that occurs on your home’s property, such as if your dog destroys a visitor’s purse and everything inside.
Additional Living Expenses: Additional living expenses cover costs related to temporarily moving if the home is rendered uninhabitable by a disaster.
You can also purchase additional policy floaters for expensive items such as jewelry, furs and art.
What Does Home Insurance Liability Cover?
Personal liability in your home insurance policy can cover a range of property damages and bodily injuries that occur on your home’s property. It has three main areas:
For example, say your friends visit to swim at your pool. One of your friends slips and hits their head on the side of the pool, falling into the water. Liability insurance can help with their medical bills, such as emergency expenses like an ambulance, as well as legal fees in case they decide to sue. Legal fees covered by home insurance
often include defense costs, settlement costs and more.
Protect Your Home Today
Hardy Insurance Agency will match you with a home insurance policy that lets you relax knowing you’re covered. Speak with an insurance professional to protect your home today at 703-503-3100 | 703-820-3100
or fill out an online quote form to get started.
Common Home Insurance Questions
The average cost of homeowners insurance in Virginia is around $1,051 a month. This cost varies depending on your location, coverage limits, deductible, credit score, claims history, the value of your home and more. Find out how you can save on home insurance by calling Hardy Insurance Agency today.
You should have a home insurance policy by the time you move into your new home. Before stepping inside, make sure you’re covered in case of an accident.
Home insurance is critical for any homeowner. A bad storm could cost you thousands of dollars. Without a reliable home insurance policy, you could be looking to pay for repairs all out of pocket. Home insurance allows you to recover quickly by compensating for expensive damages.
You generally want to file as few claims as possible. An insurer may raise a red flag if you file over three claims in a five-year period.