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Pete Webb Agency

1320 Central Park Blvd, Suite 407
Fredericksburg, VA 22401

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Virginia Homeowners with home insurance coverage

Home Insurance in Virginia

Buying a home is the most important and most substantial investment that you will make during your lifetime. You do not want to risk losing it only because you did not buy the right insurance policy. If you have ultimately paid off your mortgage, you are not required to maintain home insurance coverage. However, we recommend that everyone purchase coverage to protect themselves against damage and losses caused by storms, fires, or burglaries. Call Pete Webb Agency, located in Fredericksburg, VA, to learn how to protect yourself when disaster strikes.

What is Homeowners Insurance?

Home insurance policies offer financial protection against damage and losses that affect an individual’s home and belongings. Most home insurance policies cover unexpected perils like fire, thunderstorms, theft, and accidents. If one of these unexpected events occur, home insurance helps pay the cost of replacing the losses. It also protects you if another person is injured on your property.

What Type of Damage Does Home Insurance Cover?

A standard home insurance policy covers damage caused by:

  • Fire
  • Hail
  • Lightning
  • Windstorm
  • Theft
  • Vandalism

However, earthquake and flood coverage are not included in standard home insurance policies.

What Types of Coverage Do Home Insurance Policies Offer?

Home insurance is a package policy offering four types of coverage, including:

  • Coverage for the structure of your home: Your policy pays to fix your home if it is damaged by any of the accidents or disasters listed in your coverage.
  • Coverage for personal belongings: Your clothes, furniture, books, and other personal items are covered if they are stolen or destroyed by an insured disaster or accident.
  • Liability protection: Your liability protection covers you if someone files a lawsuit for property damage or bodily injury.
  • Additional living expenses: ALE coverage pays any extra costs that you may incur from living outside of your home because of damage from an insured natural disaster. These costs include restaurant meals, hotel bills and more, that exceed usual living expenses.

The Pete Webb Agency and Nationwide have partnered to deliver all the expertise you need to find a superior home insurance policy for Virginia homeowners. We will be your no-nonsense guide to Fredericksburg, VA home insurance. Call the Pete Webb Agency today to buy home insurance coverage over the phone or schedule an appointment.

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Servicing States

  • Virginia
  • Maryland
  • Washington, D.C.
  • North Carolina
  • South Carolina