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home insuranceYou save for years to purchase your dream home, but within a matter of moments, all of your hard work could literally go up in flames. Additionally, liability exposures could leave you battling costly claims for years after an incident. Let the experienced professionals at the Insurance Center of Winchester protect you and your family from the everyday exposures that homeowners face.

Standard homeowner policies cover most direct damage to your home, detached structures, such as garages and sheds, and most of your personal possessions. If you are displaced from your home due to necessary repairs, a standard homeowner policy may also cover those additional living expenses. Homeowners insurance also helps protect you from liabilities or legal responsibilities if someone is injured on your property.

Condominiums

Condominium insurance includes coverage of your personal possessions, damage caused to the interior of your unit and any excess living expenses that you may incur due to an accident. Be sure to learn what is covered by your condo association’s master policy before purchasing your own policy; you may need to purchase additional coverage.

Renters Insurance

If your landlord has a homeowner policy, it does not mean that you are protected. Your landlord’s insurance policy will cover any structural damage to the building itself or damage caused by fire, vandalism and theft. However, the policy is not responsible for reimbursing you for damaged or destroyed personal possessions. Renters insurance covers your furniture, clothing, electronics and appliances if they are damaged or destroyed. Renters insurance also protects you against costly liability claims.

At the Insurance Center of Winchester, we understand the value of your home and possessions. We work with you—our valued clients—to help you be protected against loss and liability. Contact the Insurance Center of Winchester by calling 540-667-0700 or by filling out the form on this page.