PERSONAL services

Home, Auto & More —

 Personal Insurance for Virginia Families

When it comes to protecting your home, car, or family, it helps to have someone who knows what matters most. We offer personal insurance policies that fit your life — with support from real people who live and work here in Virginia.

Coverage That Fits Your Life

We help individuals and families across the state find practical, affordable coverage for the things that matter most. Whether you're in Richmond, Chesterfield, Mechanicsville, or beyond, we’ll take the time to learn what you need and find a policy that works for you.

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Our Personal Insurance Options

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Homeowners

 Insurance

Protects your house, belongings, and personal liability. We'll walk you through coverage for fires, storms, theft, and more — and explain what’s included (and what’s not).

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Auto

Insurance

From basic liability to full coverage, we’ll help you get the right protection for your car, truck, or SUV. We also make sure you’re covered for uninsured drivers — which is more common in Virginia than most people think.

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Bundled

Home & Auto

Many of our clients save by bundling their home & auto coverage with the same carrier. We’ll run the numbers and show you if it makes sense for your situation.

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Renters

Insurance

If you rent your home or apartment, this covers your personal property and liability. It’s often required by landlords — and it’s more affordable than most people realize.

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Personal Umbrella Insurance

For extra liability coverage that sits on top of your home and auto policies. Good for families, dog owners, landlords, or anyone who wants added peace of mind.

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Life & Health Insurance

We offer a limited selection of life & health policies for clients who want everything in one place. Ask us if you’re looking for basic life insurance or help navigating your options.

Recreational Vehicle

Insurance

Whether you're riding trails, camping by the lake, or heading out on the highway, we can help cover your ATV, RV, motorcycle, or boat. We’ll tailor coverage based on how you use it — and make sure you're protected on and off the road.

Classic Car

Insurance

If your car is more of a collector’s item than a commuter, we’ll help you protect its true value. Our classic car policies offer agreed value coverage, flexible mileage, and support that respects the time and care you’ve put into your vehicle.

Special Event Insurance

Hosting a wedding, fundraiser, or private party? Special event insurance can cover venue liability, property damage, and cancellations. We’ll help you get the coverage you need — fast, simple, and tailored to your event.

Personal Property

Insurance

From electronics and furniture to clothing and valuables, personal property coverage helps protect what’s inside your home or apartment. Whether it’s part of a homeowners or renters policy, we’ll make sure your belongings are properly covered.

Boat

Insurance

From lakes to coastal waters, we offer coverage for boats, pontoons, and personal watercraft used across Virginia. Whether it’s for weekend cruising or serious fishing, we’ll help protect your vessel, your gear, and your liability on the water.

Why Choose an Independent Agent?

We’re not here to push one company’s products. Instead, we’ll compare coverage and pricing across multiple carriers to help you get what fits — not just what’s available online. And when life changes, you’ll have a real person to call, not a 1-800 number.

Straight Talk,

Local Service

You shouldn’t have to guess what your policy covers. We’ll explain everything in plain English, walk you through your options, and handle the paperwork.


Whether you're a first-time homeowner in Central Virginia or a long-time driver out in Goochland, we’re ready to help.

FAQs

Got a question? We’re here to help.

  • What does my home or auto policy actually cover?

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  • Can I bundle my policies to save money?

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  • Do I need renters insurance if my landlord has insurance?

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  • What if I have valuable items like jewelry or collectibles?

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  • How do I know if I need umbrella insurance?

    If you own a home, have savings, or want extra liability coverage, umbrella insurance is worth considering. It adds extra protection on top of your home and auto policies in case of a large claim or lawsuit.

Get a Quote or Review Your Coverage

Call us or send a quick message. We’ll talk through what you need — no pressure, no confusion.