There are two big myths about renters insurance in Springfield Virginia. One is that it’s too expensive and the other is that it’s not needed. Not having renters insurance is a pretty big gamble, considering that without it you face the cost of replacing your personal belongings after an event such as fire or theft. What’s more, you could face the prospect of defending yourself in a lawsuit because of some accident for which you might be held legally responsible, whether it happened where you live or elsewhere. In many cases, for less than a couple hundred dollars a year you can protect your valuables, like your furniture and clothes, from loss by fire, theft, wind and water damage or other covered hazards. But many renters still don’t believe they need such insurance.

A survey conducted by Cambridge Reports, Inc. for the Insurance Information Institute found that fewer than three out of every 10 renters purchase renters insurance. Many renters mistakenly believe their landlord’s insurance will cover their own belongings. In fact, it would be extremely rare for a landlord’s policy to extend to tenants’ property. To determine how much insurance coverage you’ll need, take a complete inventory of your personal items. An insurance agent in Springfield Virginia can help with this by estimating the total value of your property. You’ll also need to decide whether to opt for depreciated or limited replacement cost coverage. Depreciated coverage is the cost to repair or replace your belongings minus depreciation.

Let’s say you bought a quality sofa with an expected useful life of 10 years. If it’s now five years old and would cost about $1,000 to replace, you could expect to receive about $500 (less deductible) if your sofa was destroyed by fire. You would pay slightly more for limited replacement cost coverage, but you could expect to receive $1,000 for your sofa minus your deductible. You should also keep in mind that insurance coverage for some types of personal property is limited in terms of dollars. Renters insurance also gives you personal legal liability coverage and medical payments to others who are accidentally injured while in your home, apartment or elsewhere if the injuries are caused by your actions. And, if you are forced to live elsewhere because of damage to your residence due to a covered loss, renters insurance covers additional living expenses. Remember, you may not own the building in which you live, but you still need to have insurance to protect your property in the case of fire, theft or other hazards. Talk with your insurance agent for more information

Posted by: insuranceguy007 | March 17, 2009

Protect yourself from uninsured motorists in Virginia

The Danger to you from Uninsured Motorists in Springfield Virginia


The economy has hit many families hard with many choosing between spending money for groceries and paying their vehicle insurance. Pass ten cars on the highway and at least of them is probably uninsured. According to recent statistics, at least ten percent of all drivers in Virginia are uninsured. You may think this doesn’t affect you. But what if you are in a wreck and the other driver that caused the wreck is uninsured? How will you pay for your medical bills and for repairs to your car? A Virginia auto insurance policy that includes uninsured motorist coverage can give you peace of mind as you recover. These policies cover:


·        Bodily injuries caused by an uninsured driver.

·        Bodily injuries when the driver’s insurance company is out of business or can’t pay the claim for some reason.

·        Bodily injuries and damage caused by a driver that doesn’t have enough coverage to pay for your medical expenses and damages to your car.


Your options for protecting yourself from uninsured motorists are few if you don’t have a Virginia insurance policy which includes uninsured motorist coverage


  • You could sue the other driver. However, if they don’t have enough money to pay for insurance coverage, how much can you actually recover? You may never recoup your legal fees if you sue, much less the costs of your medical treatment and damages.
  • Try to avoid getting in a wreck all together. Defensive driving is a way that you can prevent wrecks. Keep you eye out for people who are driving recklessly. Don’t follow too closely. Watch the road and stay off the cell phone and avoid eating lunch in the car. If you want to learn defensive driving techniques, take a class. Most insurance companies offer a discount for those who take one of these courses.


Hopefully, you will not be hit by one of these drivers and have to use your Springfield Virginia auto coverage. But if you are, make sure you get all of the information about the driver including their license plate and driver’s license numbers. Get the names of witnesses who may have seen the wreck. And call the police. The driver will likely be cited for driving without insurance.


Finally, don’t accept any cash money offered by the other driver. If you do, you may not be able to collect on your Virginia uninsured motorist coverage or have any further legal action.

All I Want For The New Year Is My Two Front Teeth.”


Scratch That. I’ll Just Take Some Stability In This Unstable World…



We’ve seen some wild and unprecedented events happen in our financial system and economy over the past several months.


“Titanic Sized” financial institutions — who were thought to be infallible by themselves and others– have come to their knees.  Federal Government Bailouts have become as common as baseball players on steroids.


Many people are fearing for their jobs, homes and the overall stability that we’ve been used to for the past 20 years.


In times like these it’s important to make sure your finances are secure and your costs are low.


One of the ways to be secure is to make sure our finances and insurances are set up properly. The best way to do this is to have me take a quick look at ALL your insurance policies and make sure there are no ‘holes’ in your coverage’s…and that you are getting as many multi policy discounts as possible.


This may sound terribly self serving, but nonetheless, if you don’t have your Virginia home and  Virginia auto with us you may have coverage gaps, you are probably paying too much for your insurance.


State Farm offers some huge discounts for doing both  Springfield Virginia home and Springfield Viriginia auto coverage together, plus the two policies work together to provide important additional coverage’s.


Amidst the turmoil on Wall Street State Farm is still very stable and secure financially. But that doesn’t do us any good if there are gaps in coverage, or you are needlessly paying too much because you don’t have your insurance “Packaged Properly”.


Many clients save hundreds per year just by combining policies! WHY?


Insurance companies are willing to give major discounts for multiple policies because they know you have the right coverage’s — creating fewer claims problems — and they statistically they keep clients longer if clients have more than one policy in force.


So give me a call or shoot me a quick email and we’ll make sure you aren’t paying too much for your Virginia Home and Auto Insurance, and you don’t have any dangerous coverage gaps.


Super Agent Craig

Phone 703-971-7007


Posted by: insuranceguy007 | March 17, 2009

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