Property Insurance covers the place you call home. Whether your home is a condominium, rental, mobile home, or even the house of your dreams, we are here to protect you from losses that occur to your home and personal possessions. We'll even help you with additional living expenses when your home is being put back together. Included in your homeowners policy you will find liability insurance which covers accidents that may happen on your property.

Buying insurance can be overwhelming or one can mistakenly look at all polices as the same. While most basic policy contracts are similar in Virginia, there are still great discrepancies in policies from company to company and even agency to agency. We believe in providing value in not only our service, but also in the policies we sell. We will write your policy to best fit your individual needs and budget.

We all know that the housing market has changed and sales prices have been up and down, but that does not mean your home's coverage should necessarily change. We base your coverage on its Replacement Cost, or how much it would cost to rebuild it today. This ensures that if you should have a claim, the insurance is adequate to clean up the mess and give you what you had before, only newer!

Endorsements to your policy are like toppings on a sundae. We typically add extra coverages such as 1) replacement cost on your belongings, replacing your damaged/stolen item with a similar, brand new item 2) water/sewage back-up, when water backs up through your pipes, it can cause a nasty mess that is neither fun nor inexpensive to deal with, and 3) equipment breakdown, specialty coverage for mechanical or electrical breakage to your electronics and appliances. You may want additional coverages to round out your policy, we can add coverages for:

• Special/unique items
• Historic homes
• Farms
• Earthquake/flood

If there is a special item or concern, simply ask and we can help you insure it correctly and to the best value.

For more information, please contact:

Eddie Sitzler

David Marsh