Unfortunately, life is full of surprises. Luckily, if you're covered by Virginia Farm Bureau Insurance your local agent will work hard to make sure you're covered for whatever life throws your way.  Whether you’re a new homeowner or a seasoned one, your house needs to be covered with an insurance policy to protect your investment. 

Here are some reasons for covering your investment with a homeowners policy:

• If you borrowed money to buy your house, the lender requires you to have homeowners insurance.
• If your home gets destroyed, a homeowners policy allows you to rebuild from scratch—no matter how much you owe on the home, how old it is or its current market value.
• Your homeowners policy will cover injuries sustained by someone on your property (like the delivery man slipping on an icy sidewalk) so you don’t foot the whole bill.
• Homeowners insurance follows the people who live in your home wherever they go, so they’re still covered for potential liability issues that happen away from home.

Here's what your homeowners policy will protect you against:

• Fire or lighting – Damage from electrical fires, kitchen fires, a candle left out or an iron left on, or a lightning strike that fries electronics and wiring
• The weight of ice, snow or sleet – Collapsed roofs, damaged gutters, leaks caused by ice dams, burst pipes caused by frozen heating units, structures damaged by falling trees
• Windstorm or hail – Collapsed roofs, damaged gutters, leaks caused by ice dams, burst pipes caused by frozen heating units, structures damaged by falling trees
• Water damage from plumbing or appliances – Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure

Remember, however, that some coverages aren’t standard. For example, flood insurance and earthquake coverage require a rider to your homeowners policy. 

Tailored coverage starts with personal attention. Your local agent can help identify what coverage options you may need as well as answer any questions, and they’re just around the corner if you need them. Reach out to your agent today to discuss a homeowners policy or start a free quote.