Home Insurance

Beyond the Home

Your home is more than bricks and mortar. It’s full of memories and you’re reflected in every detail. So if you experience a claim, you’ll want more than a check from your insurer. You’ll want your life back, and to rebuild without hassles, headaches, or delay.


Guaranteed Replacement Cost on Dwelling


With extended replacement cost coverage, after a covered loss, VHA policies will pay to have your home repaired or rebuilt to its original condition-even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.

Replacement Cost Coverage on Contents


VHA will make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit on your policy. Many VHA policies don’t require you to replace them. You may choose a cash settlement instead.

Risk Consulting


On houses over $750,000 replacement cost, complimentary home appraisals are included. Highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.

Temporary Living Arrangements


If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, VHA policies will help you find a comparable place to stay where you’ll be comfortable.

VHA Stories

  • I recently switched insurance providers to Van Helden Agencies and have been thoroughly impressed with the transparency and seamless nature of the transition. Douglas was able to offer me a much better premium than competitors, along with a very comprehensive policy that is catered exactly to my needs. I would highly recommend Van Helden Agencies.

    Nicholas Earl
    Nicholas Earl
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