Homeowners insurance is designed to cover a sudden and accidental loss but there are exclusions. One of the most common exclusions is water backing up from a sewer line and overflowing into the home. There are policies that provide coverage for water backing up through sewers or drains as long as it originates on premise.…Read more
Virginia among Lowest for Car Insurance
If you live in Virginia there’s not much to complain about when it comes to car insurance rates. Virginia is in the bottom tier of all states for car insurance. Why is this the case? There are several factors that contribute to over all insurance rates but the biggest factor is competition. Virginia is a…Read more
Auto Insurance – How Much is Enough?
If you have shopped for auto insurance you know how confusing it can be to select the right coverage limits. As a general rule of thumb, the less money you have, the more coverage you need. Most people think it is very expensive to high liability limits but it is actually very inexpensive. In fact,…Read more
Benefits of Reinstating an Insurance Policy
What are the benefits of reinstating an insurance policy instead of buying a new policy? Reinstating a policy without a lapse means you have continuous coverage and will not incur a fine or be required to maintain an SR22. This is usually an option if you are within 30 days of the cancellation date and you have…Read more
Car Insurance Rates Increasing in VA
Virginia drivers will see an increase of 5% – 15% for car insurance in 2013. Accidents are increasing and the cost to repair vehicles is at an all time high. 5 Ways to Lower your Car Insurance Premium Work with an independent insurance agent Increase your Deductible Remove Collision coverage if your car is older Install a…Read more
Do I need Flood Insurance?
I am asked this question a lot and the answer is YES! Everyone lives in a Flood zone.
We Need to Hear from You
Until the general public starts voicing their concern over the lack of law enforcement by the Virginia DMV residents of Virginia will continue to pay higher and higher insurance premiums. Virginia is typically characterized as a conservative state however when it comes to the DMV they are quite the opposite. Enforcing insurance laws that are…Read more
Car insurance rates in metro Richmond area continue to rise because more and more people are driving without insurance. Several companies including State Farm, Nationwide, Allstate and Geico have filed for rates increases in the last few months and all signs are pointing to further increases. What is the solution? The state government needs to do more…Read more
Recently several insurance companies have starting offering Roadside assistance on their auto policies including, Geico, Progressive, Allstate and Nationwide. People who use to carry AAA are dropping their AAA coverage and adding Roadside assistance to their auto policy. While this makes sense you need to be aware of some pitfalls for adding this coverage to your auto policy.…Read more
What does the Supreme Court ruling on health insurance mean to you? The bottom line…you will pay more for health insurance. The new law takes effect over time but 5 years from now everyone will being paying a lot more for health insurance. Why? There are 3 major factors which are: Insurance companies can no longer limit…Read more