Call us for a free quote today! 804-448-2402 (Ladysmith)
804-633-2402 (Bowling Green)
804-752-3504 (Ashland)
Home, Auto, Business, and Life Insurance in Virginia and North Carolina
Virginia: Caroline County, VA (Ruther Glen, Ladysmith, Bowling Green, Woodford)
Hanover County, VA (Ashland, Mechanicsville, Glen Allen)
North Carolina: Nags Head, Kitty Hawk, Kill Devil Hills, Rodanthe, Waves, Salvo
DON'T LET A CLAIM RAIN ON YOUR PARADE.
Request a Free Personal Umbrella Insurance Quote
Car
Insurance
The insurance protection you need when you’re on the move:
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Auto Insurance – Get the right insurance coverage for your car, truck, van or
other vehicles.
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Motorcycle Insurance – Ride safe and insure your motorcycle.
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ATV and Motorsport Insurance – Insurance policies that cover all your toys.
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Classic Car Insurance – Your classic car is an icon. Insure it well.
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RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
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Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
Home
Insurance
You can also add supplemental policies such as:
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Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
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Flood policies
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Umbrella policies (additional liability)
Life
Insurance
Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
INSURANCE
HOURS & LOCATIONS
(formerly Jefferson Davis Hwy)
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Monday - Friday
9:00 AM to 5:00 PM
Phone: 804-448-2402
Fax: 804-207-6315
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Monday - Friday
9:00 AM to 12:00 PM
1:00 PM to 4:00 PM
4:00 PM to 5:00 PM by appointment
Phone: 804-633-2402
Fax: 804-207-6315
​
Monday - Friday
9:00 PM to 5:00 PM
Tel: 804-752-3504
Fax: 804-207-6315
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The structure of your home
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Replacement costs or actual cash value for your home and possessions
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Personal possessions (up to a set limit)
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Living expenses in case of a disaster
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Liability
Homeowner’s coverage doesn’t have to be difficult to understand. A basic
Homeowners Insurance Policy will cover the following:
Commercial
Insurance
The insurance protection you need for your business:
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Liability Insurance coverage protects businesses in a variety of ways. It can protect against customer accidents as well as product liability.
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Worker's Compensation is obtained by employers to provide coverage if an employee accident occurs on the job. It is required in Virginia for certain businesses.
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Business Property Insurance provides coverage for real estate including storefronts, other structures, and can include coverage for such things as signs and shrubbery.
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Business Personal Property coverage protects business contents such as desks, computers, tools, and inventory.
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Business Automobile Insurance is the car insurance for business vehicles. It can provide all of the coverages found in personal auto policies.