Home Insurance in Virginia

Purchasing a home is on the To-Do list of many Americans. It’s often a process that begins with working for years to save the down payment, getting pre-approved, and house hunting. That doesn’t account for the price of everything that is then put in the house. It isn’t uncommon for a new homeowner to have over a decade’s worth of life in those four walls. One issue of inclement weather can then erase that comfort. For homeowners in the Richmond, VA area, the professionals of Cary-Wheeler & Associates Inc. can keep you from starting over from scratch.

What Is Homeowner’s Insurance?

A single catastrophic event can not only cause damage to the home, it can render the structure uninhabitable. A broken window can be boarded, but an uninsured motorist driving through the living room might not be so simple. Homeowners insurance can cover the cost of putting you and your family up in temporary lodging as the repairs are being made. Depending on what the car hit, this may require more than just cosmetic repair - electric, plumbing, even structural damage may occur.

That is only the building. Inside, expensive electronics, appliances, and home furnishings can need to be replaced. A loveseat, smart TV, and home entertainment system can quickly get the total damage done to a much higher number. Factor in the cost of a hotel and takeout, sufficient damage can lead to a total loss.

Virginia Homeowner’s Insurance Requirements

Unlike automobiles, the state of Virginia does not require insurance for houses. However, a single instance of needing insurance can easily exceed the cost of carrying it. A roof replacement alone can start at $10,000. Speak with the experienced professionals of Cary-Wheeler & Associates Inc., serving the Richmond, VA area, to find out how to keep yourself safe from starting over.