What is Personal Umbrella Insurance?

in insider, driving, homeowners insurance, auto insurance, Virginia, coverage, claim, car insurance, umbrella insurance, home insurance, accident, teen driver, local agent, laws, home, car, insurance claim Mar 26, 2020

Umbrella insurance follows your home and auto insurance policies. In a nutshell, it's extra liability insurance that comes to the rescue if a claim exceeds your regular insurance coverage, with a few exceptions. Here's a story of how it could protect your assets.  My friend, Liane, and her husband were going out to lunch. It was a beautiful spring day, not a cloud in the sky. Out of nowhere, a car came straight across their path attempting to...

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SAFE & SOUND: How to Prepare Your Teen Driver For A Car Accident

in insider, safety tips, driving, report a claim, auto insurance, Virginia, claim, car insurance, family, crash, accident, teen driver, parenting Mar 12, 2020

Do you remember what it was like to learn to drive a car? For me, it was both exciting and scary at the same time. I remembered this when I began teaching my own kids to drive, so it was important to me to make sure they understood the freedom and the responsibility that comes with driving.  The Behind the Wheel Program through Virginia's public school system is fantastic. Your teen driver learns how to yield at a 4-way stop, navigate a...

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If You Only Clean One Thing in Your Home This Spring, Make It This

in insider, homeowner tips, safety tips, Virginia, spring, diy, fire prevention, cleaning Feb 24, 2020

Who has time to clean? It’s one of those things you try to pump yourself up for by thinking about how great you feel when it’s done. But let's be honest: with work, kids, and nice weather…well, it tends to get pushed to “next weekend”.

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Is Your Roof Ready for Virginia's Severe Weather Season?

in wind damage, homeowner tips, Virginia, severe weather, hail, spring Feb 18, 2020

You’re not imagining it. Virginia's weather is getting more severe. Tornadoes and hail storms are common as spring rolls in warmer temperatures. The wind storm and tornadoes that swept through Virginia this spring resulted in numerous home damage claims for our members. In March 2017, a storm swept quarter size hail and powerful wind gusts across central Virginia leaving significant damage to homes. My family’s home was right in the storm’s...

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Are Your Gutters Ready for Spring?

in insider, homeowner tips, homeowners insurance, flooding, Virginia, severe weather, spring, rain Feb 17, 2020

What's up with our weather? Did we even have a winter? The spring season in Virginia has become especially unpredictable and severe. From thunder hail and windstorms to balmy 70-degree afternoons, weird weather appears to be the new normal. Not that we need more after a usually wet winter, but there's one thing we can always count on this time of year in the Commonwealth: rain!  And heavy rains can bring significant troubles of their own for...

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