Best Homeowners Insurance in the Virgin Islands

At Family Insurance Agency, we help you find the best homeowners insurance to protect your home and valuables. Our role as a broker means we partner with top insurance companies to provide you with comprehensive policy options that suit your needs.

Why Choose Homeowners Insurance?

Homeowners insurance offers more than just coverage for your home; it provides complete protection for your property and belongings. As your partner, we work with various insurance companies to find policies that cover a wide range of risks, from natural disasters to theft, helping you stay prepared for life’s challenges.

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Coverage Options

Personal Property Damage

Protects against damage to your home from covered events.

Personal Liability

Covers legal responsibility for injuries or damage to others.

Additional Living Expenses

Pays for temporary housing if your home is uninhabitable due to a covered loss.

Additional Structures

New Copy – Covers detached structures on your property, such as garages, sheds, or fences, against covered damages.

We aim to simplify the process by offering payment installment plans, making it easier for you to manage your premiums.

Questions to Ask Home Insurance Agent

When selecting the best homeowners insurance, consider these questions to ask your home insurance agent:

What is included in my policy?

Your policy typically includes coverage for property damage, liability, and additional living expenses, but specifics can vary.

Are there any exclusions I should be aware of?

Common exclusions may include damage from floods, earthquakes, or wear and tear.

How do I file a claim?

Contact your insurance provider immediately, provide details about the damage, and follow the steps outlined in your policy.

What does underinsured mean?

It means your coverage may not be enough to fully cover the value of your property or belongings in case of a major loss.

How much should I insure my home for?

Insure your home for its full replacement cost, considering factors such as construction materials and labor costs.

Do I need flood insurance coverage?

Flood insurance is not typically included in standard homeowners insurance and may be necessary depending on your location and flood risk.

A knowledgeable home insurance agent will provide clear answers to all your questions, guiding you through the process until you feel confident and comfortable with your coverage.

Personalized Service and Peace of Mind

Choosing Family Insurance Agency means receiving personalized service and comprehensive coverage tailored to your needs. We’re here to answer your questions and pair you with the best homeowners insurance for you.

Want to learn more?

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