The investment in the purchase of your home is perhaps the largest investment you will ever make. Purchasing Homeowners Insurance is more than determining the replacement cost of your home. You should also consider the cost to replace your personal possessions including jewelry and fine arts. Liability issues should also be considered and Partlow Insurance can assist you in determining what limits of insurance you should have. We partner only with insurance companies that share our commitment to our clients and that have the financial ability to perform in your time of need.
Partlow Insurance Agency, located in Winchester Virginia, can offer all of the coverage that you need to protect your home and belongings. Following is a list and brief description of just a few of the coverages that Partlow can offer:
This will cover your home and other structures on your property for damage done by a covered cause of loss. Many carriers will have exclusions for multiple types of losses. Let a Partlow Insurance agent explain all of your options so that you can make an informed choice of what coverage fits your needs
Property: Personal Possesions
Personal property can be covered in many different ways. Your property can be covered for its replacement cost or its depreciated value. In some instances, your important valuable should be scheduled on your policy. Call us today to find our all of your options in covering your personal property.
The liability portion of your homeowners insurance will pay when you are liable for someone else’s bodily injury or property damage caused by you or certain household members. This coverage can include a wide variety of things including acts of your pets. Let a Partlow Insurance agent help you determine the right coverage and limits today.
Medical payments coverage will pay the medical costs for people who are injured at your home who do not live with you. This coverage will apply in many cases regardless of whose fault the injury was.
Additional Living Expenses
This coverage will provide coverage for your living expenses for a given time period that are additional to your normal expenses. This could cover the additional cost of a hotel while your home is being repaired and can include things like loss of rental income if part of your home is rented to others.
There are many other types of coverage that you should consider when purchasing a homeowners policy. Endorsements are available for protections against identity theft, service on non-profit board of directors, and many more.
Call or visit Partlow Insurance today to go over your personal situation today. A Partlow Insurance agent will provide you an individualized insurance solution for you and make sure that you are comfortable with what coverages you have in place.