Fire Insurance Quotes

 

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Virginia Fire Insurance Quotes

Whether you live in Norfolk or Arlington home fire insurance is required if you own a home with a mortgage. Virginia fire insurance quotes allow you to find low cost home insurance for your property. We work with professional agents throughout the state in cities like Richmond and Virginia Beach to provide quotes for homeowners. By having multiple agents compete against each other you are assured a choice of coverage at an affordable price.

Virginia home fire insurance protects your most valuable asset against things like hail, wind, snow and fire just to name a few. Each policy is different so be sure to fully understand what is and is not covered. We provide a service that will get you in contact with local insurance agents or companies to compare rates and find a good fit. It is still up to you the consumer to fully understand what gaps you may have in coverage.

How much personal property coverage do I need?

Personal property coverage on a home fire insurance policy will replace items like electronics or clothing that was damaged or stolen. The policy will not specify everything that is covered but rather it will only list things that are not covered. Property that may not be covered includes collectibles, fine art, or expensive jewelry. For these items you will want to get a floater policy that specifically covers these items.

In most package fire insurance policies the personal property is included at a percentage of the dwelling coverage. The dwelling coverage will provide the base coverage for the structure and many of the other coverage's will be percentages of that number. For example if the dwelling coverage is $400,000 and your personal property may be 70% of that amount.

Remember that items you travel with are covered on your home insurance policy and not the auto insurance policy. This is often misunderstood but if something is stolen out of your car you will pay the home fire insurance deductible to get it replaced. Many homeowners assume a higher deductible for home insurance is better because they won't use it but if you need it make sure you can afford the higher deductible.

How much dwelling coverage do I need?

Dwelling coverage provides the majority of coverage in fire insurance policies in Virginia. This generally includes the structure and anything directly connected to it like a garage or deck. Fire insurance quotes will include a dwelling coverage that is determined by factors you provide in the application process. Factors include square footage, building materials and type of building.

Ask the insurance agent how they came up with the dwelling coverage and make sure it will be replacement cost and not cash value. Replacement cost is going to provide the ability to rebuild your home at today's prices versus cash value is at a depreciated value. The insurance companies use third party vendors to help determine reconstruction costs as the prices change each year. Ask a local builder what the cost per square foot would be to rebuild your home today including demolition costs.

Home Fire Insurance by City

  • Virginia Beach
  • Norfolk
  • Chesapeake
  • Arlington
  • Richmond

More cities are included but these are the largest in Virginia.

 

 

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We offer fire insurance quotes in all 50 states. By partnering with leading insurance companies and agents we are able to find you the best policy at the lowest premium.