Call us: 703.961.8886
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Homeowner Insurance

Blue single family home in the daytime

Homeowners’ Insurance provides financial protection against natural disasters. A standard policy insures the home itself and the things you keep in it.  There are several different forms of Homeowners’ insurance, we are happy to discuss the variety of coverage and endorsements with you.

Homeowner’s Insurance is a package policy. This means that it covers both damage to your property and your liability. That means it provides legal responsibility for any injuries and property damage you or members of your family cause to other people. This may include damage caused by household pets.  When there is a loss, your policy has a deductible that applies and will need to be considered before contacting your carrier to report a claim.  We highly recommend carrying a high enough deductible to help you remember that insurance is not for minor (less than $1,000 repair) claims. Rather it is there to protect you from the major financial hardships like roof replacement, water damage, tree damage, etc

Your policy will cover damage caused by most disasters. But there are exceptions. The most common exceptions are damages caused by floods, earthquakes, or poor maintenance. Depending on where you live, you must buy two separate policies for flood and earthquake coverages. Some of these risks may be covered by an endorsement. However, maintenance-related problems are the Homeowner’s responsibility.

FAQ'S

Should I claim small problems such as minor damage to a bay window?

If the cost to repair the damage is less than your deductible, you should not file a claim. The purpose of insurance is to provide you with protection against loss losses. Each claim has the potential to increase your premium or cause the carrier not to renew the policy.

What does homeowners insurance policy cover?

Homeowners insurance is a form of property insurance designed to protect an individual’s home against damages to the structure or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property. This can also extend to property that is taken outside of the home.

I plan on making improvements to my home by upgrading the HVAC system, electrical and replacing the roof. Do I need to increase my Coverage limit?

Any upgrades should be shared with your agent and insurance carrier as they may increase the value of the home. Also certain upgrades (roof) etc., may qualify for additional discounts.

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Address

4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

Email Address

info@questinsurance.us

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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