irginia Homeowners Insurance, Home
Insurance
Homeowner's Insurance
This insurance covers replacement costs for damages
caused by fire, wind or other disaster that might affect
the value of the property. Typically, the insurance
also includes personal liability and theft coverage.
Flood or Quake Insurance
Additional hazard insurance coverage that is required
for homes located in a designated hazard zone as established
by the Federal Emergency Management Agency (FEMA). As
we tour houses, I will let you know if the property
resides in a hazard zone.
Private Mortgage Insurance (PMI)
Insurance required for conventional mortgage loans when
the borrower's down payment on the house is less than
20 percent of the loan value.
Title Insurance
This policy protects both the buyer and lender by insuring
a clear chain of title. (In other words, it insures
that that the person who sells the house has the legal
right to do so.)
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