Are you a great adventurer who thrives in the outdoors? You may own or want to own a recreational vehicle at some point in your life. While RVs are a fun addition to your outdoor lifestyle, they can also come with headaches depending on your luck. Much like homes or...
When you own a business, it’s your job to protect your company from every possible harm to the best of your abilities. But sometimes, events are beyond your control. Despite your best efforts, people could want to harm your company. Whether it’s bored teenagers over...
What a great place to be—the open water. Whether you’re taking a trip on the lake, down the river or into the ocean, boating is a great way to enjoy the outdoors and make memories. The memories made in the great outdoors with family or friends will be cherished for...
When you own a home, it’s essential (and even required) for you to have liability insurance to cover your personal property. However, if your home is worth more than what your insurance company is willing to cover with a basic policy, you may need to add umbrella...
Swimming pools are a luxurious feature that many homeowners have in their backyards for the summer. They’re great for keeping cool in the heat and entertaining your friends and family. As fun as pools can be, they are also dangerous if you’re not careful. That’s why...
Nothing feels quite as exhilarating as hopping on your motorcycle and feeling the wind on your face as you cruise the open road. Whether it’s your first time buying a brand new Harley or you’re a seasoned biker adding another ride to your arsenal, it’s important to...
If you’re thinking about starting your own business, one of the many things you have to consider is what type of insurance coverage to get. Whether your new company is a small mom-and-pop shop or a seasonal lawn care service, you’ll need certain insurance plans to...
Why You Need Contractor’s Insurance The construction industry is a dangerous one, and if your business deals in contracting, it’s essential to have insurance to protect your company and employees. Whether you install HVAC units, repair siding or even construct brand...
Every winter season comes with unpredictable weather. In Virginia, it’s easy to experience a bright and sunny morning that quickly turns to freezing temperatures and piles of snow and ice at night. These types of conditions are a homeowner’s worst nightmare. Harsh...
Classic cars are an investment. If you own one, then you know how much time and effort goes into keeping them showroom-ready and able to drive. As the weather gets colder, it’s time to put the hoods back up on the convertibles and prepare your antique car for the...
Car insurance is one of the more scalable investments you can make. It’s not uncommon for some drivers to be paying way more to cover their vehicle than others. If you’re on the market for your next vehicle, it’s important to research the best insurance you can get...
As homes age, it’s natural for them to settle and begin cracking at the foundation. Sometimes, though, your home’s foundation can receive damage from unforeseen circumstances. Regardless of why your foundation is deteriorating, it needs to get fixed before the...
There are no certainties in life – even the most laid back, self-conscious person can’t predict what’s going to happen in their future. You could take every step necessary to waterproof your home, but a natural flood could wipe it out anyway. That’s where risk...
Mold can be a homeowner’s worst nightmare. No one wants to peel back a carpet or open a cabinet and find dark, fuzzy splotches covering the area. Unfortunately, mold growth can be found if your home is exposed to excessive amounts of moisture. Signs that there may be...
Warm weather means outdoor adventure. Nothing beats a summer vacation full of road trips and family bonding. Before hitting the road to your next beach or mountain expedition in the family Recreational Vehicle (RV), make sure you’ve got it covered by insurance. In the...
Starting your own business is an exciting, yet daunting process. Do you know what you want to do? Do you have the money for it? What will you need to get it up and running? There’s so much planning and research that goes into making your dream a reality. Here are a...
Every workplace has some level of risk for injury. When you own an auto repair shop, the chances of an employee getting hurt is even greater due to the line of work, difficulty and equipment being used. As the business owner, you are in charge of keeping your...
Cars are a huge investment. When you buy or lease your first car, it’s a huge accomplishment. Brand new cars come with all the latest bells and whistles, but they’re also a huge financial responsibility. With everything else you need to get in order, finding the right...
In the United States, more than 100.9 million people live in rental housing as opposed to owning their own home. While there are many perks to renting your living space, the downside is that you are still responsible for protecting the property and all of your...
The restaurant industry is always moving. With day-to-day operations that are constantly changing, accidents are bound to happen. When you decide to open your own restaurant, figuring out what insurance to invest in is an important decision. You need something to...
For many young adults, buying their first home can be an exciting, yet nerve-wracking experience. Most first-timers have no idea where to start. The process is time-consuming and confusing at best. If you’re new to the home buying process, here’s a few tips to help...
Why Does Your Church Need Insurance? Churches are safe places in a community where people can come to connect with others and with themselves. It’s also where many host large-scale events, like holiday celebrations, weddings and funerals. While your church is...
Over the past few years, rideshare apps like Uber and Lyft have become increasingly popular in Virginia. For passengers, it’s a convenient way to get around town. For drivers, it’s a part-time job that can serve as their primary income. No matter how much time...
Buying home insurance is intimidating. For new homeowners and multiple property owners, buying insurance for your home can feel confusing at the best of times. With so many policies, prices and companies, the whole process can be overwhelming. This is...
Virginia is no stranger to flooding damage. As a coastal state with many mountains and valleys, it’s easy to see how homeowners across the commonwealth experience flooding every year. During the summer hurricane season or even during the winter months, Virginia...
The short answer: Sometimes. Filing a claim with your home insurance provider can raise your yearly premium, but it depends on a wide host of factors. Whether you should file a home insurance claim or not depends entirely on: What’s covered in your...
As church leaders, it’s important to protect our congregation from harm while they’re within our building. This includes dangerous fire accidents. According to the U.S. Fire Administration, there were approximately 1.3 million fires in the United States in...
Home insurance is an important, and often necessary, part of owning a home. These plans protect your #1 investment and the people who call it home. That’s why it’s important to get the right amount of coverage for your situation. While you want to protect your...
With warm weather and cool breezes comes vacation time! For many Richmond families, that means loading up their Recreational Vehicle (RV) and hitting the road. Before you begin your comfy cross-country journey, it’s important to understand if your RV is covered by...
During the spring months, Richmond, VA sees a lot of rain showers. More rain means more chances for flooding and water damage to your home. While you’re planning to protect your house from thunderstorms, that’s only half of your problems. Most water damage...
Car accidents are everyone’s worst nightmare. No matter how small or serious the collision, they can be stressful and emotionally taxing. In the haze of the moment, it’s easy to forget exactly what steps you should take. By ignoring certain steps or failing to...
Like many contractors, you got into business to be your own boss. Rather than answering to a higher up or following corporate guidelines, you decided to be independent and bring your expertise directly to your clients. The one downside to being an independent...
Winter is the perfect time to sit around the fireplace with your family. A cozy fire burning bright, everyone spending quality time with each other, it is a classic holiday sight. Unfortunately, these picturesque family moments can be ruined by improper fireplace...
Snowy weather always proves dangerous in Virginia. While our friends to the north may tease us for not knowing how to drive during a blizzard, it’s important to know how to stay safe even during a light dusting of snow. In 2018, there were nearly 400 reported...
2020 has been difficult for everyone. No matter your situation, the COVID-19 virus has impacted our lives in one way or another. Most importantly, it has separated us from our loved ones as we try to reduce the spread of the disease. As the holiday season is upon us,...
Around the winter holidays like Christmas, churches can be just as popular as any mall or restaurant. According to a 2015 poll from LifeWay Research, out of 1,000 people polled, 61% say they do attend church around Christmastime. Out of the group that does not attend...
Imagine you own a popular local bakery. You serve thousands of people every day, giving them warm and delicious bread fresh out of the oven. You keep your business insured with a basic commercial insurance plan. One day, during the commotion of the lunch rush, one of...
Many times, when people fill out an insurance application, they will intentionally omit important details to try to get a better quote. The insurance company might not discover the discrepancies that day, but they will when you have to file a claim. Your claim may be...
Every small business in Virginia needs small business insurance. Accidents can happen at any time, and you and your business need to be protected from such unfortunate events. For auto repair shops, the risks are more unique, and more likely. Customers entrust their...
Are they going to total my car? It is a fair question, and many people are surprised to learn their car is going to be totaled after an accident. If you are in an accident, and you do not have collision or comprehensive insurance, your insurance company will not pay...
When it’s time to leave for vacation, your bags are all packed, the tickets for the flight are in your flight app, and your hotel accommodations have already been booked. Some families stop mail for the week, and they find someone to look after their pets. But what...
When a homeowner moves into a new home, this is the time when most people review their homeowners policy. Unfortunately, this is not the only time when you should review your policy. Any time you make a major investment like a new appliance, or make renovations, you...
Each year, there are over 627,000 new businesses opening in the USA. Many of these new business owners go into their new business venture not knowing or thinking about all of the possible scenarios which could cripple their business. For all businesses in the state of...
Umbrella insurance may seem enticing, as it serves almost like an extension of your existing policies, be they auto, home, or recreational insurance. Many insurance companies recommend it as a way to protect your assets if you’re at a high risk of being sued. The...
One of the scariest yet most prevalent home-related accidents are house fires. It’s said that over 1/4th of reported fires in the United States are house fires, while 73% of fire related injuries occur from house fires. These statistics are not surprising,...
If you own a restaurant, you know your industry faces many significant insurance risks which could cripple your business if you are not properly insured. The pricing for a policy varies because every restaurant has different possible exposures, different values, and...
The fall season is when drivers must watch out for deer. We typically see an increase in deer claims in the fall months. We have listed all the necessary precautions you should take to avoid any damage to yourself, your vehicle and others. The National Highway Traffic...
The short answer is yes. Winter in Virginia can be a particularly joyful time with holiday hallmarks, toasty fires, decadently created s’mores and hearty soups. However, it also comes with unpredictable weather that can cause serious snowstorms and the formation of...
If you are looking to switch insurance carriers, it can be easy to get overwhelmed by all of the choices available today. The internet gives consumers many choices, and the days of an insurance agent being captive to one major insurance company are over. Independent...
Many people dream of the day where they can start their own business, and be their own boss. As your business grows and revenue increases, your liability also increases. Do you have enough business insurance to protect your assets if you get sued? Here’s a summary of...