A supportive and flexible home insurance.
Your home is a place for you and your family to gather and make memories. We work one-on-one with you to help you choose the right homeowners insurance coverage that will protect your valuable possessions from loss and other circumstances, year after year.
Protect your most valuable asset, your home.
Homeowners insurance is customizable to protect you from any elevated risks on your property, such as a pool, trampoline, or a pet. We also offer umbrella insurance, which expands coverage beyond the limits of your homeowners, car insurance and other underlying policies. If you are concerned about possible flooding or earthquakes, our agents are available to discuss what is covered in our flood insurance and earthquake insurance options.
Custom insurance plans with great benefits.
Homeowners insurance is not a "one-size-fits-all" product. In addition to personalized plans tailored to your particular needs, we also offer the following.
We're not an anonymous online insurance agency - we're Richmond area natives here to help protect the assets of our neighbors and their loved ones.
We specialize in tailored insurance policies that protect our clients and their families. As an independent agency, we are able to do the "shopping around" for you to find the best coverage at the most competitive rate.
Our agents are licensed and go through rigorous training. Our office has a combined total of 110 years experience in the insurance industry. You can trust that you're in good hands with us.
Founded in 1989, we've been serving the Greater Richmond area (and beyond!) with compassion and expertise for more than 30 years.
Annual reviews are crucial to preventing vulnerabilities in your policy. We'll ask you about any property changes or other needs so you can rest assured your assets are properly protected.
Even though you file your claims with the insurance carrier directly, we're here to guide you through every step of the process and fight on your behalf if it comes to that.
What does homeowner's insurance cover?
We will tailor your homeowners policy based on your specific needs, but here are some of the most common coverages that come with homeowners insurance.
Dwelling coverage helps pay to rebuild or repair the physical structure of your home if it's damaged by a covered hazard.
Home liability coverage protects you against lawsuits for injury or damage that you, your family members, or pets cause to other people.
If you lose your belongings after a covered loss, such as theft or fire, personal property coverage will pay to repair or replace the items.
If you have any other buildings on your property, like a garage or guest house, they will also be covered by your home insurance.
Your questions answered.
Here are some of our most frequently asked questions regarding homeowners insurance policies.
In general, you purchase homeowners insurance before closing on the home. By securing the coverage you need before you even move into your new home, you safeguard your purchase from disaster. Mortgage lenders will require you to get home insurance coverage before they will agree to finance your home purchase. If you give your lender our contact information, we can work with them directly to make sure the proper documentation is filed.
Depending on the type of work done, a home upgrade can raise or lower the cost of coverage for your property. Features that harden your house against damage may help you get a discounted rate, while others that enhance your property value may require a higher policy limit because the value of your home increased. Always let us know when you do renovations on your home so we can be sure you're properly covered.
Most borrowers pay for homeowners insurance through an escrow payment on their monthly mortgage bill. This payment still goes directly to the insurance company, but it's included in your mortgage payment because your mortgage lender wants to be sure the insurance is paid to prevent total loss of the asset's value.
The type of coverage you need will depend on many factors, including your location, the value of your home, and how much protect you want in the event that your home or belongings are ever damaged or destroyed. We usually set up a phone call to ask you some questions about your home and explain your options to you. Our agents can make recommendations based on our expertise, but you can always choose which coverages you want.
Depending on what kind of claim you make, your homeowners insurance rate may or may not go up. Multiple claims can cause your home insurance premiums to keep going up because they lead insurers to calculate that you are more likely to make even more claims in the future. However, when there is damage to your home, we encourage you to file the claim.
There are a few ways to lower your homeowners insurance rate. If you bundle it with auto insurance, for example, you'll get a bundle discount. Some carriers will offer discounts if you make changes to your home that make it more disaster resistant, and if you improve your home security. If you're a veteran or active duty military, ask about military discounts.
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