108 Washington Street
P.O. Box 1070
Galax, VA 24333

(276) 236-8106
(800) 758-8106
(276) 236-0165 Fax

Standard Fire Insurance

Our standard fire and lightning policy is our basic insurance policy.

The properly endorsed standard fire policy can provide protection from a covered loss for many different types of properties. Items can range from dwellings, mobile homes, garages and mountain cabins.

We also write this policy on homes in the process of new construction (Builders Risk).

The Standard Fire policy provides coverage for losses due to these specific causes of loss:

Fire
Lightning
Windstorm
Hail
Explosion
Riot or Civil Commotion

Aircraft
Vehicles
Smoke Damage
Vandalism
Glass Breakage
Burglary

If the structure qualifies, coverage for losses due to these additional specific causes of loss can also be provided:

Theft
Falling Objects
Weight of Ice, Sleet, Snow
Collapse

Bursting of Steam or Hot Water System
Accidental Discharge of Water
Freezing
Power Surge

Optional supplemental coverages you may add for your own specific needs include:
Identity Recovery and Fraud Coverage (Brochure) - this coverage is available for owner occupied homes only.

Our standard fire and lightning policy is our basic insurance policy.