Home Insurance

Home Insurance

Your home may be your biggest financial asset. It’s also the place where you gather with friends and family to enjoy everyday comfort and special milestones. With such a big financial and emotional investment, you want to be sure you have enough Homeowners Insurance coverage to protect your physical house and belongings, as well as yourself and others you live with and invite over. As a partner with Bankers Insurance LLC, American National Bank offers coverage to help you protect the things that matter most to you. And because Bankers Insurance works with many carriers, we can take the time to get multiple quotes to ensure you have the right policy at the best rate.  

Get a Home Insurance quote today. Contact an insurance specialist to get multiple quotes from a variety of carriers.

What is a home insurance policy?

If you apply for a mortgage to buy a home, you’ll be required to obtain home insurance by the closing date. Even if you own your home outright, insurance coverage still protects the value of your house. After all, if it burned to the ground, you would no longer have an asset to sell. And where would you get the money to rebuild? That is why a homeowners insurance policy protects your home and belongings by paying for a repair or replacement in certain instances, such as fire or theft. Depending on the terms of your policy, you may also have certain liability protections, such as someone getting injured in your house or yard.

What is a home insurance quote?

A home insurance quote is an estimate of how much your policy will cost on an annual or monthly basis. The quote is based on a variety of factors, including the size of your house, age of your house, neighborhood crime statistics, proximity to a fire station, natural disaster risks, and more. Keep in mind that your quote may be a little different from the final premium cost.

What does homeowners insurance cover?

A standard homeowners insurance policy will generally cover the following six categories. However, policies can be customized to meet your specific needs.

  • The house itself (dwelling) and attached structures
  • Other stand-alone structures on your property, such as fencing or a shed
  • Personal belongings inside of your home or on your property
  • Temporary living expenses while your house is being repaired or rebuilt
  • Protection from liability and medical costs if someone is injured on your property

Get a home insurance quote from American National Bank!

American National’s tradition of community banking dates back over a century to our founding in 1909. We believe being local is more than just having an office in the Virginia and North Carolina communities we serve. It's about looking out for our customers with better banking options and quick, local decisions. To get a quote on a new policy or to review your existing policy to see if we can better meet your needs, contact our insurance team today by emailing scruggsb@amnb.com.

Insurance products are not FDIC insured, not a bank deposit, not guaranteed by the bank or any U.S. Government Agency and may lose value.