Hometown Home Insurance Review

Hometown Home Insurance is an insurance carrier based in WINCHESTER, VA. The company was founded in 1963 and offers home insurance in 1 state in the USA.

What is the financial strength rating of Hometown Home Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

SuperMoney does not have enough data to provide a financial rating for Hometown Home Insurance.

What types of coverage does Hometown Home Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Hometown Home Insurance offers the following types of home insurance coverage:

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

How can you save money on a Hometown Home Insurance home insurance policy?

When you ask for a quote with Hometown Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

• Recent Home Improvements / New Roof

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Hometown Home Insurance.