Virginia Insurance Group is now Richmond Insurance Services!
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Auto Insurance Specialists Serving Henrico, Richmond, and All of Virginia
As experienced independent agents based in Henrico, Virginia, we understand the ins and outs of auto insurance coverage. At Richmond Insurance Services, we work for you, not the insurance company. Our goal is to provide you with the best possible coverage at the most competitive price.
Auto insurance coverage is comprised of two parts: liability coverage and coverage for the car itself. Liability coverage is mandatory in most states and covers your financial responsibility for injuring others. The second part covers the car, including comprehensive coverage for losses from fire, theft, or other perils and collision coverage to repair losses caused by an accident. It is important to note that leasing companies or banks often require this coverage.
In addition to these primary coverages, ancillary medical, car rental, and other coverages vary by state. High deductibles on physical damage coverages can help reduce premiums. Still, if you carry umbrella insurance, it is essential to ensure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a severe accident.
Homeowner & Renter’s Insurance – The Protection You Need & Deserve
Homeowner and renter's insurance is essential for protecting your assets. Whether you own or rent a home, a well-written policy will cover your personal property in the event of fire or other disasters. Additionally, it will provide the first line of defense if someone is injured on your property and files a lawsuit against you.
When choosing a policy, the quality of the coverage depends on the insurer and whether the policy is all-risk or named perils. A named-perils policy only covers losses specified in the contract, while an all-risk policy covers everything except excluded perils.
Renter's insurance is also crucial for those living in rented houses or apartments. It provides financial protection for you and your possessions in case of theft, fire, or other unexpected events. It covers repairing and replacing lost items and liability issues you may be responsible for.
Condominium insurance provides coverage for your unit where the condominium association insurance stops. Flood insurance is also essential, as homeowners insurance does not cover flood damage. Pet insurance is also available to provide peace of mind in the event of unexpected veterinary expenses.
At Richmond Insurance Services, Inc., we can help you select the best policy for your needs and budget. Please don't wait until it's too late to protect yourself and your assets. Contact us today to learn more about the insurance options available to you.
Let us help you find the right coverage to protect you and your assets. Call (804) 270-1115.