If you’re a homeowner, your house is likely your most important asset and should be protected. We understand just how important your house is to you; it’s your home. We can find a homeowners policy to fit your needs and help you determine the best coverage for your home. Regardless of how many houses you own, no two homeowners policies are the same. Homeowners policies differ when it comes to exactly what is covered. Willard Insurance can help you understand the difference between policies and pick the correct one.
There are different types of coverages that you typically see, and Willard Insurance Agency can help you understand more about each one.
Willard Insurance provides homeowners insurance in Rocky Mount, Roanoke, Boones Mill, Floyd, Martinsville, Collinsville, and surrounding areas/counties.
Homeowners insurance DOES NOT cover flood damage.
Flood insurance has to be purchased separately as a stand-alone policy regardless of where you live.
Flood insurance reimburses you for work that you and your family did to move items away from a flood prone area, remove debris and put up sandbags.
If you live in a flood zone, your mortgage company may require you to have this policy.
Dwelling – The part of your policy that covers the actual structure that you’re insuring, such as the main house. The cost to replace your house varies based on the cost of materials, labor, and supply & demand.
Other Structures – This covers any structure on your property that is not attached to your house, such as sheds, garages, fencing, driveways, etc. This coverage is typically 10% of whatever your dwelling limit is. You can also increase this if you want more coverage.
Personal Property – This part covers all of your personal property such as clothes, furniture, electronics, appliances, etc. If you turned your house upside down and emptied it out, the items that would fall out would be your personal property.
Loss Of Use – This covers your living expenses if you have to live somewhere else temporarily due to damage to your home.
Scheduled Personal Property – This is what you would want if you need special coverage on items such as collectibles, jewelry, guns, etc.
By insuring both your auto and homeowners policies through Willard Insurance, you could receive an additional discount.
Install smoke detectors or a burglary alarm system in your home to take advantage of additional discounts.
If your home is equipped with an automatic sprinkler system, you could save on your homeowners insurance.
Optional coverages such as Sewer or drain back-up coverage, Identity recovery coverage, and Earthquake coverage are available.
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