Renters Insurance

FAQs

• If my home was damaged, can I start repairs?

  If a natural disaster has caused significant damage to your home, you may be tempted to begin repairs right away. We get it, you just want your life back to normal. But these small repairs can mask a lot of the damage and will make it hard for an adjuster to make a fair estimate of the repair costs.

  Temporary fixes that could help prevent any further damage are a good idea, but it’s best to wait until after the insurance adjuster has taken a good solid look at your property to make permanent repairs.

• What if my home is burglarized?

  Your first step is to ensure that you and your family are safe, and then, call the police. When the police arrive, they will complete a report with all the important info regarding your situation. This report is necessary when you file your claim and will help expedite the whole process. Make sure you also create a detailed list of your lost or damaged items, including their estimated values, and have that ready when you contact your insurance company.

• Can I get a damage estimate before filing a claim?

  Yes, we recommend obtaining an estimate before filing a claim. Once you have your estimate, give us a call to discuss your options. We’ll also look at your policy with you to see if your estimate is above your deductible.

  Visit our Claims page to learn more.

• What is a Deductible?

  A deductible on your insurance policy is what you pay before the insurance kicks in. This is to prevent extremely small claims from being filed as insurance is for larger emergencies. For example, if your home deductible is $1,000 and you have $10,000 in damages, the insurance company will pay the contractor repairing it $9,000, and you would pay your $1,000 deductible.

  Many policies in Hampton Roads have a separate, higher wind deductible for damage done by storms, so be sure to look at your policy carefully to understand your deductible amounts and coverage.

• Dog Breeds and Dog Bite Situations

  Finding the proper insurance coverage can be difficult if you own a certain breed dog because a large majority of liability claims are dog bite claims. So, most insurance carriers will either not insure you, or if they do, they won’t provide coverage to a dog bite by a “vicious” breed.

  This includes but is not limited to: Pitbulls, Rottweilers, Akitas, Wolf Hybrids, Chows, Bull/Staffordsire Terriers, and more.

  If you have one of these breeds or any questions about your liability coverage, please call us at 757-448-3820.

• How do I cancel a policy? 

  If you’ve recently sold your home or vehicle, obviously, you don’t want to continue making payments on those policies. We don’t blame you.

  Just give us a call at 757-448-3820 and let us know. Please note that we work with over 30 different insurance companies, so if you’re looking for a new policy, we can do the shopping for you as well.