Home Insurance Policies in Martinsville, VA & Surrounding Areas

Protecting your home from the unexpected has never been easier than with Roy Thomas Agency of Nationwide. As a trusted insurance broker in Martinsville and surrounding areas, we understand the importance of finding the right insurance policy to fit your unique needs. With access to a range of top-rated insurance companies such as Nationwide, Progressive, and National General, and Stillwater Insurance Company, we can act as your personal shopper to help you select the best coverage at the most competitive rates. Our team is dedicated to providing exceptional customer service and ensuring you have the peace of mind you deserve. Contact us today at (276) 632-9746 to learn more about how we can protect your home.

Items Typically Covered in a Homeowner Insurance Policy

  • Coverage for the structure of your home, including damage from covered perils like fire, windstorms, and vandalism.
  • Protection for other structures on your property, such as a detached garage or shed.
  • Personal property coverage for your belongings, both inside and outside the home, which includes items like furniture, electronics, and clothing.
  • Liability coverage to protect you from legal and medical expenses if someone is injured on your property or if you damage someone else's property.
  • Additional living expenses (ALE) coverage to pay for temporary housing and living expenses if your home is uninhabitable due to a covered event.
  • Coverage for loss of personal property while traveling, known as off-premises coverage.
  • Protection against identity theft, which can include expenses related to identity theft recovery.
  • Coverage for damage caused by certain natural disasters, like earthquakes or floods, typically requires separate policies or endorsements.

How Do You Know Your Homeowner’s Insurance Policy Meet’s Your Needs? 

  • Check the policy's limits for personal property coverage to make sure it can replace your belongings in case of theft, damage, or loss.
  • Verify that the liability coverage amount is adequate to protect you financially in case someone is injured on your property and sues you.
  • Understand the deductible amount you'll be responsible for and choose a deductible that aligns with your budget.
  • If you have valuable items like jewelry, art, or collectibles, inquire about endorsements or riders to ensure they are adequately protected.
  • Ask about available discounts, such as bundling home and auto insurance, installing security systems, or making home improvements that reduce risks.
  • Take into account specific local risks, such as floods or earthquakes, and whether you need additional coverage beyond standard policies.

We’d love to hear from you! Call our friendly team at (276) 632-9746 today!

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