Need a Homeowners Insurance comparison in Arlington?
If you’re like most homeowners in Arlington, your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.
360 Insurance Solutions, Inc. can help you find the homeowners insurance policy that best meets your needs while providing the right combination of tailored coverage, quality service, and competitive pricing.
Note: If you are looking for homeowners insurance for a rental property or a home that is unoccupied, traditional homeowners insurance will not apply. You’ll need a specialty dwelling policy, which we can also help you secure.
Regardless of whether you live in Arlington or anywhere else in Virginia, homeowners insurance is one of the most important insurance policies you can own.
It’s important to understand that no two homeowners insurance policies are created equal. Different insurance companies offer different levels of coverage, endorsements, riders, conditions, and limitations.
Arlington Homeowners Insurance
If you’re not working with an independent insurance agent in Arlington like us, it can be difficult, if not impossible, to recognize the differences between homeowners insurance policies.
Whether you own or rent, insuring the place you call home helps protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Homeowners insurance can also protect you if someone is injured on your property and a legal claim is made against you.
Homeowners insurance policies vary based on the losses covered, the coverages selected, and the type of residence you own. You can choose a comprehensive policy covering risks such as fire, hail, smoke, falling objects, vandalism, and theft, or a more limited policy covering only specified losses.
Common Homeowners Insurance Coverages
Below are some common coverages typically included in a homeowners insurance policy:
Dwelling
This portion of your policy covers the structure of your home. Replacement costs can change over time due to fluctuations in labor and material costs.
We perform a replacement cost analysis to estimate what it would actually cost to rebuild your home if the unexpected occurs.
Other Structures
Covers structures not permanently attached to your home, such as fences, driveways, sidewalks, detached garages, or sheds. This coverage is typically 10% of your Dwelling limit but can be increased if needed.
Personal Property
Covers personal belongings such as clothing, furniture, electronics, and appliances. Essentially, it protects the contents inside your home.
Loss of Use
Provides coverage for additional living expenses if your home becomes temporarily uninhabitable due to a covered loss.
Medical Expense
Helps pay medical expenses if guests are injured on your property, and in some cases off-premises. This does not cover medical costs for members of your household.
Family / Personal Liability
Applies if someone is injured or their property is damaged and you are found responsible. Coverage generally applies worldwide. When selecting limits, consider your income, assets, and overall financial exposure. In some cases, an Umbrella policy may be recommended for additional protection.
Scheduled Personal Property
Provides additional protection for high-value items such as jewelry, firearms, collectibles, artwork, rugs, or other valuables that may require specialized coverage.
How to Get Started With Your Homeowners Quote
Every home is unique and requires a carefully tailored insurance policy. Visit our quotes page and enter some basic information to get started.