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Home Insurance

Independent Insurance Agency Of Richmond's Home Insurance

Is your home a haven? Your home is where your family will be raised and have memorable memories of a lifetime. At Independent Insurance Agency of Richmond, we can help you tailor a home insurance policy that meets your needs and thoroughly covers your Virginia home.

A home insurance policy covers damages caused by perils such as windstorms, fire, lightning, hail, and vandalism. However, damage caused by earthquakes and floods are typically excluded. Optional policies and coverage can also be available to cover against any additional perils.

We have many types of home insurance policies that you can choose from. The type of coverage depends on whether you own a rental home, a standalone home, or your own co-op or a condo. The policy you choose also depends on the coverage you need, because not every type covers a disaster or peril.

Types Of Home Insurance Coverage

  • The Dwelling Coverage – this can pay to rebuild or repair your damaged home if the loss incurred is as a result of the covered damage.
  • Personal Property Coverage – this pays for the personal property in your house that might have been destroyed or damaged by the covered cause of loss. They include furniture, sporting goods, electronics, and clothes.
  • The Loss of Use Coverage – this pays for your extra living expenses in case you have to temporarily move out of your house when renovations are being done. However, it is subject to the terms of coverage and limits.
  • The Personal Liability Coverage – this protects you in case of a claim and will provide a defense for you or any member of your home if he or she has caused property damage or bodily harm to others.

At the Independent Insurance Agency of Richmond, we have great relationships with many home insurance companies, allowing us to get you the coverage you need at a price you can afford. Reach out to our agents to have your questions answered and learn how to get started on a home insurance policy. For more information, visit or call our Virginia location today!

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