Project yourself on the road with customized coverage to fit your budget. Contact one of our agents to take advantage of our many discountsRead More
Your home is one of your biggest investments. We will build a policy that will protect your home, your valuables and personal liability.Read More
Protect what matters most with customized life insurance for your entire family.Read More
No matter what size your business, we offer liability, property, commercial auto, workers comp, bonding needs and more.Read More
A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.Read More
Our policy is designed to meet the personal and financial needs of most motorcycle owners, and getting covered is as easy as 1-2-3!Read More
With improved boating insurance coverage and competitive pricing, we can insure 95% of all pleasure boats, including bass boats and ski boats.Read More
Renters insurance is specifically for people who rent their home or apartment. Coverage can help you replace everything you own if a fire destroyed your home or apartment.Read More
I moved to Newport News in 1990 and worked as a licensed agent for two different Nationwide Insurance agents until I purchased my current agency in 2003. I live in Yorktown, Virginia with my beautiful blended family.
Our experienced agents take pride in explaining options and processes, beginning with our very first discussions, so that our policyholders have a clear understanding of how coverages may or may not apply. Setting reasonable and appropriate expectations makes for a happy client relationship.
In the community, I proudly serve on the corporate Board of Directors for the Boys & Girls Club of the Virginia Peninsula, and support several events each year.
Give us a ring to speak live to begin building your quote. You can reach us at (757) 874-5809.
We will need to gather some basic info about your business to uncover all the discounts that you qualify for.
The best agent I have ever had the pleasure of doing business with! Kristi was prompt, knowledgeable, and helpful through the whole process. Thanks Kristi!
I have been with this agency for 8+ years and have always received prompt, courteous, and professional service. Highly recommend!
They are knowledgeable, professional and friendly. They will do their best to educate you and make sure you have the very best coverage to meet your needs. They take pride in taking care of their customers.
The Nationwide Broadwell Agency has a strong work ethic and knows what is best for their clients. They have a seamless process from the initial quote to their day to day operations with helping assist their customers. They consistently provide a high level of service and continue to be a valued and trusted partner. ~ Shelly Haywood, VP of HFC INC.
Forget real estate market value. Insurance value is all about construction costs. In some cases the cost to rebuild might exceed the resale value of your home, especially in a depressed housing market when construction materials and labor costs remain stable as housing prices decline. In other cases, the cost to rebuild your home might be below its market value. The real estate value, after all, includes the land, which isn't factored into the cost to replace the building. Your insurance agent should be able to provide guidance on the appropriate coverage amount.
The answer depends on what caused the roof damage. Home insurance does not cover damage due to normal wear and tear. Homeowners bear the financial responsibility to maintain the property, which means replacing old items when they wear out. However, if a peril covered by the home insurance policy damaged the roof, then the insurance company would pay for the repair, minus the deductible. Damage from hail, snow and ice, fallen trees and lightning would be covered, for instance.
Some insurance companies refuse to write policies for certain breeds, including pit bulls, chow chows, German shepherds, Rottweilers or Siberian huskies. Other insurers make coverage decisions on a case-by-case basis, or charge higher premiums for certain breeds that have a reputation for biting. You could also find that an insurance company is willing to write a renters insurance policy for you, but excludes coverage for your dog.
It all depends on how the damage was done. Homeowners insurance is intended to provide financial protection if your home or its contents are damaged, but within the confines of your policy terms and limits. Home insurance policies range from basic to broad, but here are the basics of what a standard homeowners policy will and will not cover regarding water and mold damage.
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