We appreciate you taking a few moments to review our Fairfax, VA Renters Insurance Guide. As the only national full-service insurance provider dedicated to the needs of renters, we handle things a bit differently than most insurance firms and we think you’ll like it. Five-minute Virginia Renters Insurance policies and renters insurance experts who are paid on a salary rather than commission so they can afford to take the time to answer your questions are just a few of the things you’ll notice are different about us.
Why Create A Fairfax, VA Renters Insurance Guide?
At Effective Coverage, education is one of our core values. We believe it’s difficult to buy the correct coverage if you don’t have a good understanding of what it is that you’re buying. Not all insurance agencies in Fairfax will take the time to help you understand what the policy does for you. If you went to buy a dryer, it would be important to know what kind of electrical outlet you have for it – did you know there are several kinds in common use? Most people don’t, and that can lead to trouble if you end up with a dryer with the wrong cord. By the same token, if you don’t know a Fairfax renters insurance policy covers, you could end up with coverage you don’t need or worse, without coverage that you do need. That’s why we think everyone should know a bit about Fairfax, VA renters insurance.
Who Is Effective Coverage, Anyway?
Effective Coverage is a national insurance provider focused on insurance for renters, but you knew that already. We’re an organization that believes in outreach and education and in being a productive part of our community. We were founded after our CEO lost everything to an apartment fire many years ago, and realized that not only did he not have renters insurance, he didn’t even know what it should cost – he just assumed it would cost too much. Our mission is to make coverage available and accessible, with Fairfax, VA renters insurance and policies nationwide, and to bring information to those considering renters insurance to help them understand the costs and coverage.
Take a few minutes to look over our Fairfax, VA Renters Insurance Guide and then click or call an Effective Coverage renters insurance experts today. It’s quick, easy, and more affordable than you expect.
Call (800)892-4308 or click to get covered - whether you need Virginia renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
Fairfax, VA Renters Insurance
Does Fairfax, VA Renters Insurance Cover My Family?
Absolutely! Your Fairfax renters insurance policy defines “named insured” broadly. Briefly, the named insured is, of course, the person to whom the policy is issued and who is insured against loss under the policy. But the Definitions section of the standard HO-4 Virginia Renters Insurance policy generally defines the named insured much more broadly than that. It covers the insured named on the policy, as well as their resident spouse, as well as resident relatives. There are specifics on children who technically reside with you but are away at school, foster children, and a host of other people who could be covered, but you may safely assume that you and your family are equally protected.
That includes your minor children, as well. Since they’re not capable of contracting, they can’t be named on the policy, but coverage still applies to them – it has to, since they can’t very well buy their own insurance until they’re old enough to contract for it. Further, liability coverage will pay for losses caused by your younger children even if they are the result of an intentional act generally up to age thirteen. Children below that age are not considered to have a full understanding of what may result from their actions. If your twelve-year-old tries to set a leaf on fire with a magnifying glass and accidentally burns down a cornfield as a result, your liability coverage is there for you because a child of that age is presumed not to be aware that setting one thing on fire in the middle of a field of flammable corn stalks is likely to set the whole field afire.
What Are The Four Main Types Of Coverage On Renters Insurance In Fairfax, VA?
Liability protects you if you cause bodily injury or property damage as a direct result of your negligence. If you knew or should have known better but still took an action and someone else suffers a loss as a result of that, you have coverage available to make them whole and protect you from the inevitable lawsuit. Liability coverage generally includes defense costs, as well, and most policies pay those without regard to the policy limits because it’s in the best interest of you, the company, and other policyholders to prove the liability claim before paying it, in order to avoid large settlements for false or frivolous claims. That’s why your policy pays to defend even if the claim or suit is false, frivolous, or otherwise lacks merit.
Personal property coverage pays to replace things that suffer a covered loss. What is a covered loss? We have a list of covered perils, but generally things that are beyond your control and cause physical loss. Fire, lightning, and wind are some common examples. Make sure you ask for renters insurance replacement cost coverage – Effective Coverage strongly encourages this because you don’t want the depreciated actual cash value of your property – you want an amount of money that will allow you to replace the property with new of like kind and quality.
Medical payments to others is a small coverage that, without regard to fault, pays medical expenses arising from an injury to a guest on your property. It’s not for you, it’s for guests. If you’re hosting a play date for your kids, and one of their friends falls down in the yard and scrapes their knee, and the parent insists on getting medical attention for it, this coverage would take care of that even though the injury wasn’t really your fault, and even if the injury was no one’s fault.
Loss of use coverage is what makes sure you have a place to go when there’s a covered loss. If that loss makes your home uninhabitable for a period of time, your hotel and other additional living expenses can be covered. This coverage can be a real lifesaver. Consider a fire scenario where you just got yourself out, but left your wallet on your nightstand and you can’t get back in. Many insurance companies have arrangements with hotel chains for direct billing, so this coverage could help you find a place to sleep that night.
There are other types of coverage in your policy – for example, many policies include a small no-fault coverage for damage to property of others, generally capped at around $500. It works similar to medical payments to others, in that you don’t have to prove fault. It’s there to make small problems go away quickly. Your Fairfax, VA renters insurance expert can outline the other types of coverage and help clarify what the policy does for you. Call Effective Coverage, speak to a renters insurance expert, and get the information you need and the policy you need today.
Renting In Fairfax, VA
Fairfax, VA is located just outside of Washington, DC. Many people commute to DC, but there are plenty of jobs in Fairfax as well. This small city of about 25,000 residents has a median household income approaching six figures, but the average home is valued at $442,000. It’s expensive to buy a house in Fairfax, or anywhere else in NoVA, for that matter. Fortunately, the median rent is only $1,643 so it can be affordable to live here.
Fairfax has been recognized by Forbes magazine as #3 in the “Top 25 Places To Live Well.” Contributing factors included the affordability of rental housing, excellent schools, high incomes, and the fact that the city is in the top 1% of cities with the most small businesses. The presence of post-secondary institutions like George Mason University just outside of the city limits also contributes to making Fairfax a great place to live. You’ll find a well-funded public library system with a strong local history section.
You’ll also find that living in Fairfax gives you access to the world. With Dulles (IAD) and Reagan (DCA) airports just minutes away, and Baltimore-Washington International (BWI) not much farther, if you’re traveling a great distance it’s easy to get there. Vienna is the nearest Washington Metro train station, and that’s just down the road from Fairfax. Virginia Railway Express and Amtrak are also nearby. Both Fairfax city buses and the Washington Metrobus are available options, as well. Highways are another strong part of the infrastructure of Fairfax. US Highway 50 and US Highway 29 join within the city limits, several state highways are available, and I-66 borders the city, as well.
All in all, Fairfax County is a great place to live, and more affordable than you might expect. While you’re settling into your new lifestyle, make sure to protect it with Fairfax, VA renters insurance from Effective Coverage.
To find out how Effective Coverage can protect you, and how affordable it is, just call (800)892-4308 or click to get covered - whether you need Fairfax renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
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