Henrico’s Preferred Homeowners Insurance Agents

The amount of homeowners insurance you need depends on a lot of different things, including your home’s value, the cost to rebuild it, and the value of your personal belongings. At minimum, you’ll want to have enough dwelling coverage to rebuild your home if it’s destroyed, which you may hear referred to as the replacement cost. The replacement cost is the square footage of your home multiplied by the current cost per square foot to build a similar home in your area. We keep a close eye on the local housing market to make sure your replacement cost is accurate.

You’ll also want to make sure that you’re protected from accidents and mishaps of all kinds, like fire, windstorms, hail, smoke, floods, and theft. A good policy will assist with temporary housing in the event of a covered loss. Beyond that, your policy should include personal property coverage, as well as liability coverage that will help pay for medical and legal expenses in case someone is injured on your property. We’ll help you determine the best amount of coverage for your situation.