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Homeowners Insurance Information
For Homeowners In Annandale, Alexandria, Woodbridge And Areas Across Northern Virginia
Protecting your family doesn't stop with finding the perfect home. No matter where you live, accidents and storms can throw a wrench in your plans — and your wallet. It's important to protect what matters most with an affordable home insurance policy.
Burke & Burke Insurance Agency helps homeowners find the best home insurance policies at the best price. We want to provide you and your family a sense of comfort knowing that you're covered no matter what life throws your way. Call us at (703) 751-1001 or fill out an online form for a free quote today!
Common Home Insurance Questions
Home insurance policies often include:
- Dwelling: Dwelling insurance covers the physical home and its attached structures in case of damage due to fire, lightning, smoke, hail, wind, theft, vandalism and more.
- Personal Property: This property coverage covers your personal belongings from the same dangers as covered under dwelling insurance. You may also choose additional policy floaters for expensive items such as jewelry, furs and art.
- Personal General Liability: Liability covers you and your family if a third party suffers bodily injury or property damage on the insured property.
- Additional Living Expenses: Additional living expenses (ALE) helps with the cost of relocating if the home is rendered uninhabitable after a disaster.
Home insurance premiums vary depending on several factors, such as location, value of the home and credit score. On average, home insurance in Virginia costs about $87.58 a month.
There is no set limit on home insurance claims. It's generally recommended that you try to keep your home insurance claims beneath three a year. Filing claims may raise your insurance rates and filing too many false claims can get you dropped from a provider.
When attempting to calculate how much insurance you need for a condo, you should add up the value of your belongings, accounting for expensive items such as jewelry. You should have enough insurance to cover the total replacement cost of your personal items.
Home insurance policies generally renew every six months or every year. A policy will usually renew automatically if premiums are paid on time, but you may review your policy at any time.
Requirements for home insurance vary per lender. Most lenders require you to carry enough home insurance to cover the mortgage. This also means carrying insurance to cover the home, personal belongings, and your family.
Most water damage is covered by your dwelling and personal belongings coverage in your home insurance policy. Damage will not be covered if the water damage is due to negligence or floods. Flood insurance is typically purchased separately.