Homeowner & Renter's Insurance in Richmond, VA

Homeowner's Insurance

 
ThinkstockPhotos-519664252
 
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
 

Renter's Insurance

 
If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renters insurance policy from Richmond Insurance Services, Inc. can provide you with coverage for your personal items and personal liability to protect you from the unexpected.
 
ThinkstockPhotos-155700839
 

Condominium Insurance

 
ThinkstockPhotos-493502509
 
Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.

Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.
 

Flood Insurance

 
Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
 
ThinkstockPhotos-73271468
 

Pet Insurance

 
ThinkstockPhotos-122413043
 
Pets bring great joy to a family, but they can also be very expensive to care for. Pet insurance gives you the peace of mind that, in the event that your pet becomes sick or injured, your expenses will be covered. As technology has improved in recent years, so has the overall quality of veterinary care. However, these improvements have resulted in higher costs and tougher decisions for pet owners.

The last thing Richmond Insurance Services, Inc. wants is for you to have to forgo a potentially life-saving surgery for your family pet, because you cannot afford it. Don't wait until it's too late. Get pet insurance today.
 
 

We offer free, comparative quotes on motorcycle insurance from multiple insurance carriers so you can get the best possible rate. Want to see how much we can save you? Just request a quote to find out.