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Commonwealth Insurance Center

925 Capitol Landing Rd. Suite A
Williamsburg, VA 23185

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Home Insurance in Virginia

Insufficient homeowners' insurance coverage can be a costly mistake. When an emergency damages a property, minimal property damage insurance will compensate losses of both a house and its contents. If a visiting guest to slips and falls, liability coverage pays for court and medical costs, so that a homeowners is not obliged to pay out-of-pocket. Homeowners in Williamsburg, VA can protect their property with a home insurance policy. Here are the standard types of homeowner insurance indemnity agreements:

Comprehensive Coverage - insures a homeowner for natural disaster and repair expenses, as well as debts, personal liability and real property obligations. Temporary use may also be included in comprehensive policies.

Individual Coverage - insures family from lenders and other debt payment in case of an accident or death of the property owner.

Packaged Indemnity Agreements - covers real property and contents, so that all repairs and contents can be replaced in case of damages from a disaster or theft.

Combined Life Coverage- life insurance policies that include individual or homeowner insurance coverage. Covers residential property, detached structures, personal belongings, and liability.

Financial detriment from a guest liability lawsuit, where a visitor on your property has sustained a slip and fall, may result in higher than expected compensatory remedies. Protect yourself from homeowner negligence with a liability insurance coverage. By asking common questions to insurance coverage, a homeowner can find out about the suitability of a policy, company claim processing, and discounts or incentives offered for alarm systems installation or other property protections.

Residential real estate is a substantial investment. Homeowner's insurance coverage protects a property investor from financial losses sustained from natural disaster, or guest injury. Virginia property owners can elect to sign-up for individual, combined, and packaged homeowner insurance coverage. Request information on homeowner insurance policy deductibles, grace periods, and other terms and conditions to service agreements.

For information about homeowners insurance and a quote, visit Commonwealth Insurance Center.

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