Accident Forgiveness

When a company applies accident forgiveness to your auto policy - you can rest easy knowing that if disaster strikes you wont lose any claim free discounts or experience a rate increase at your next renewal. 


What is Homeowners coverage?

Home coverage protects one of your largest investments. Dwelling protection, personal content coverage, and family liability make up a good portion of your coverage. Don't forget about special riders like water back up and jewelry! 


What is state minimum liability?

Each state is regulated by their own insurance laws. In Virginia the minimum required liability is 25,000 per person and 50,000 per accident & only 20,000 in property damage. It's important to understand how these values affect you and also how your under/uninsured motorist coverage can protect you from those with only the minimum coverage. 


 



Water Damage Prevention

Water damage can be costly. Learn more about how to limit damage and takes steps to protect your house. 

 


Am I covered if I rent a Car?

Your primary insurance policy may extend to a rented vehicle that is temporarily replacing your current car. The same liability and deductibles may apply to that rental while in your possession. Always check with your agent before declining the additional insurance protection.


Umbrella Policy

Umbrella liability insurance is designed to cover liability exposures that exceed your underlying auto, home, and other limits. Umbrella coverage will normally come in the form of million dollar increments. This will give you an additional layer of protection if your held liable for someones injuries or property damage. 



 



Liability - Why do I need it?

 This can prove to be a vital component of your insurance coverage. Learn about the two types of auto liability coverage and how they may help after an accident.
 


Am I covered for a flood?

Floods are not covered by your primary home policy. You will need to take steps to secure a policy through the national flood insurance program (NFIP) Ask your agent about the cost of adding this important protection. 


Insure your love!

Insure what makes your house a home. By adding life insurance to your portfolio you'll make sure that if the unthinkable happens- your family will be covered. Clients are often surprised with our inexpensive the coverage will be. 





Why 20 - 30 Years NEED Life Insurance

Different stages of life bring different needs of life insurance. Early on you may need more than you think. Check out this blog post