Homeowners Insurance

Home insurance, or homeowners insurance, is crucial coverage for homeowners. Home-related accidents can occur without notice and may lead to expensive costs. Home insurance can be an excellent form of financial protection. Choosing a policy may be challenging, but  HIS Insurance & Services is here to help you. 

How Does Home Insurance Work? 

Home insurance works like most insurance policies. In an agreement with your provider, you pay an insurance premium in return for financial assistance following a covered loss. Additionally, for certain coverages, you may have to pay a deductible, an out-of-pocket cost you must cover before your insurance policy assists you. 

How Much Home Insurance Do I Need for a Mortgage? 

Home insurance requirements vary among lenders. Many might require you to carry a policy that covers 100% of the replacement cost of your home, while others may only require enough to cover the value of your loan. Regardless of requirements, having sufficient coverage can reduce your chances of covering high costs following an incident out of pocket. The HIS Insurance & Services agents can help you learn about coverage requirements. 

How Do Home Insurance Claims Work? 

The claims process varies based on the insurer and the type of claim. For example, a property loss claim may involve different steps than a liability claim. Our agency can assist you in learning more about insurance claims and the steps to take when filing a claim. 

Where Can I Find Coverage? 

If you are a homeowner near Winchester, Virginia, the dedicated and experienced agents at HIS Insurance & Services can assist you in learning about homeowners insurance and help you decide on the right coverage for you and your house. 

Contact our agency today at 800-240-3654 for more information.