What differentiates our agency from all the others in the area?

Our Agency has been providing insurance in the DMV area for over 30 years servicing policies in VA, WV, DC, MD, NC, and PA. Our Top Three Uniques that set us apart:

  • Every agent is a licensed Product knowledge specialist in either commercial, personal, or life/financial.
  • We have access to over 20 insurance companies.
  • We use a best in class renewal process.

What factors determine my policy premium?

Some of the factors that influence premium include: location of property/vehicle covered, age, claims history, and insurance score. For Auto policies additional factors are vehicle type and size as well as driving history. For Home policies, additional factors include the year built and construction type.

What is Personal Injury Liability?

Personal Injury Liability is protection for policy holders from being sued for claims of liable, slander, defamation of character, invasion of privacy and wrongful eviction.

What does a Personal Liability Insurance Policy cover?

Personal Liability insurance is about financial protection – for you and your family. The personal liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible

Does every local Nationwide Insurance have access to my policy account?

No, every office is independently owned and operated. Please visit your assigned agent’s office for questions/concerns about your policy.


Is flood insurance covered on my homeowners policy?

Flood insurance is not included on any homeowners policy with any company. A separate is needed for flood insurance coverage.

How much dwelling coverage do I need for my condo?

The master policy for the condo will determine the type of coverage needed. The bi-laws will state whether there needs to be “walls-in” coverage or not. Walls in, aka “studs in,” will cover the interior of the unit and personal property inside. Usually, lenders require 20% of the purchase price for the dwelling amount.

Is Earthquake coverage automatically included on the homeowners policy?

No, however it can be added to the policy for an additional premium.

What does water backup cover?

Water backup coverage option expands coverage if water backs up through your sewer or drains, or your sump pump overflows.


What does “full coverage” mean?

Many people misinterpret this term as your policy covers “everything.”  Instead, full coverage refers to including both liability coverage and physical damage coverage for your own vehicle at a time of a loss.  For additional information please call one of our knowledgeable agents today.

What is ‘uninsured motorist’ coverage?

Uninsured motorist insurance coverage which protects you and the people in your car in the event another driver hits you with inadequate insurance coverage or no auto insurance at all.

If my car breaks down, will my auto insurance cover the cost of a rental car?

No, rental car coverage is only applied in the event your vehicle is damaged in an accident.

What does 25/50/25 mean on my auto policy?

  • The first number 25 stands for $25,000. This is your maximum coverage for bodily injury liability for one person injured in an accident or incident.
  • The second one number 50 stands for $50,000. This is your maximum coverage for bodily injury liability for all persons injured in an accident.
  • The third number 20 stands for $20,000. This is your maximum coverage for property damage liability in an accident that you caused.

*All coverages are applied on a per accident basis.

What is ‘other than collision’ coverage?

‘Other than collision’ coverage protects your car or truck if it is stolen, damaged or destroyed by fire, hail, glass damage and if you hit an animal.

If an accident occurs where I am at fault are my passengers and I covered if we are injured?

You and any passengers who are household members can be covered under the optional Medical Expense Coverage; if that option has been added onto your policy. Passengers who are not household members, could be covered under both the Medical Expense coverage and/or the Bodily Injury liability coverage on your auto policy.


Will my business auto insurance policy cover my tools if they are damaged/stolen while in my vehicle?

Only equipment that is permanently installed would be covered by a business auto policy. An inland marine policy will cover tools/equipment while being transported and while at the job site.

In Virginia, when does a business legally have to carry Workers Compensation Insurance?

A business with 3 or more employees, including the owner, is legally responsible to carry Workers Compensation Insurance.

What is hired and Non-owned auto?

Insurance provides liability coverage for bodily injuries or property damage that you or your employees cause while driving for work. This protection applies to vehicles you “hire” (example: a rental car) or vehicles your business doesn’t own (example: employees’ personal vehicles).

Do I have liability coverage for a rental vehicle under my Commercial Auto policy?

Yes. You must have ‘hired car liability’ coverage on your policy and the vehicle must be rented under the name of the business.

What is a certificate of insurance? 

A certificate of insurance is a document that is used to provide information on specific insurance coverage. A certificate of insurance usually provides the insurance company’s limits, policy number, name of insured and the policies effective periods.

Why do I have to complete an audit on my workers’ compensation policy?

The payroll on your policy is estimated and the audit is used to determine if the payrolls on your policy for the previous year are correct.