In short, condo insurance covers what your association’s master plan doesn’t. This might mean just your personal property or it might mean everything inside, including electrical and plumbing systems. Your local agent can help sort through how much you actually need to cover. We’ll ask about what other assets you want to protect as well, so you’re covered in personal liability situations, too.

Because when it comes to covering your things, it’s important to first know what stuff you’re covering. And that means taking an inventory. If you’re wondering how to fill out a home inventory, we’ve got you covered.

How much coverage you need depends on what type of housing you have, your budget, and what you’re protecting. Nothing can help you nail down your options better than talking with a local agent who knows your area and Virginia insurance. They can ask the right questions to help you assess how much liability coverage versus personal property coverage you need and more.

Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The coverage amount varies based on what you’re protecting.