Home Insurance
Protect the place you call home.
From your roof to your belongings, we’ll help you find coverage that keeps your family safe from life’s unexpected events.
Home Insurance
Protect the place you call home.
From your roof to your belongings, we’ll help you find coverage that keeps your family safe from life’s unexpected events.
QUICK QUOTES
Get a personalized home insurance quote now.
QUICK QUOTES
Get a personalized home insurance quote now.
What Homeowners Insurance Covers
What Home Insurance Covers
Dwelling Coverage
Covers repairing or rebuilding your home’s structure if damaged by covered perils.
Includes damage from wind (roofs, siding, windows).
Coverage depends on the cause, foundation damage due to excluded causes may not be covered.
Other Structures Coverage
Protects structures separate from your home, like a shed, fence, or detached garage.
Personal Property Coverage
Covers belongings inside your home, furniture, appliances, electronics, and more.
Applies even during theft or burglary, coverage includes the dwelling, other structures, and contents.
Liability Coverage
Helps protect you financially if someone is injured on your property and you’re found responsible.
FREE GUIDE
Make Smart Choices About Protecting Your Home
Buying a home is one of the biggest investments you’ll ever make—don’t leave it unprotected. Our Homeowners Insurance Consumer’s Guide, prepared by the Virginia Bureau of Insurance, is designed to help you:
Understand the different types of homeowners policies.
Learn what coverages are included (property damage, liability, medical payments, living expenses).
Discover tips for getting the right amount of coverage at the best value.
Know your rights if you ever face a claim or coverage dispute.
What Home Insurance Covers
Dwelling Coverage
Covers repairing or rebuilding your home’s structure if damaged by covered perils.
Includes damage from wind (roofs, siding, windows).
Coverage depends on the cause, foundation damage due to excluded causes may not be covered.
Other Structures Coverage
Protects structures separate from your home, like a shed, fence, or detached garage.
Personal Property Coverage
Covers belongings inside your home, furniture, appliances, electronics, and more.
Applies even during theft or burglary, coverage includes the dwelling, other structures, and contents.
Liability Coverage
Helps protect you financially if someone is injured on your property and you’re found responsible.
FREE GUIDE
Make Smart Choices About Protecting Your Home
Buying a home is one of the biggest investments you’ll ever make—don’t leave it unprotected. Our Homeowners Insurance Consumer’s Guide, prepared by the Virginia Bureau of Insurance, is designed to help you:
Understand the different types of homeowners policies.
Learn what coverages are included (property damage, liability, medical payments, living expenses).
Discover tips for getting the right amount of coverage at the best value.
Know your rights if you ever face a claim or coverage dispute.
Frequently Asked Questions
Does homeowners insurance cover theft or burglary?
Yes—your dwelling, personal property, and other structures can be covered.
Is windstorm damage covered?
Yes—dwelling coverage typically includes wind damage to your roof, siding, and windows.
What about water damage?
Most standard policies cover sudden and accidental water damage. However, some causes may be excluded.
Are foundation issues covered?
It depends on the cause. Damage from covered perils (like tornadoes) may be included, but gradual issues may not.
Secure Your Home
Your home is your sanctuary, don’t leave it unprotected. As your trusted Allstate agency based in Petersburg, VA, we proudly serve homeowners in Colonial Heights, Hopewell, Dinwiddie, Prince George, Chester, and throughout the Tri-Cities and surrounding areas. We’ll guide you through every step to find the right homeowners insurance solution for lasting peace of mind.
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