Home Insurance Replacement Cost & Actual Cash Value. What's the Difference?

Jan 6, 2023

We pledge to provide straight talk from our NNINS Virginia insurance experts. Read the Northern Neck Insurance INTEGRITY PROMISE.   What is Actual Cash Value Home Insurance? A home insurance policy with actual cash value determines the value of the property by taking the cost to replace it and reducing based on things like age, and wear and tear, often referred to as depreciation. A homeowners insurance policy that provides actual cash...

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What To Do If You Think You Have a Frozen Pipe

Jan 2, 2023

Do you remember Virginia's extended arctic freeze in 2019? Those frigid January temperatures resulted in over two hundred NNINS home insurance claims from frozen and burst pipes. The most common symptom of a frozen pipe is the absence of water or less water flowing when you turn on your faucet. When your pipe is frozen pressure builds. You want to take action quickly to try to save your pipe from bursting. The First Thing to Do if You Think Your...

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Winter Storm Survival Guide for Virginia

Dec 21, 2022

Whether you're new to Virginia or lived here for some time, we have some super helpful information to help you prepare and protect your family during a major winter storm. 

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How and Where to Recycle Your Christmas Tree in Virginia

Dec 19, 2022

Cover picture by (Spencer R. Layne/U.S. Navy) If you're ready to dispose of this year's Christmas tree, we've got resources. Virginia has plenty of sustainable, green cleaning ways to put your tree to good use rather than putting it in the local landfill. Read on!

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How to Fireproof Your Home's Extra Heat This Winter

Dec 18, 2022

December 21st marks the Winter Solstice or the first official day of winter. Brrrrrr! Who's thankful for extra heat from fireplaces, wood stoves, and electric heaters? We know Virginia winters can be mild, but we can also have our share of frigid temperatures. We also know that most of all home fires that occur in December, January, and February are due to the increased use of heating equipment.   Fire dangers from space heaters and fireplaces S...

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