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A Better future is built on a firm foundation.
INTRODUCING THE
BETTER INSURANCE AGENCY
At The Better Insurance Agency we are committed to providing quality insurance services for every facet of life. We pride ourselves on ensuring that each client's needs are treated with the utmost care, allowing them to make fully informed decisions when it comes to their individual coverages. Just as our name suggests, we believe in a Better way of doing insurance.
TYPES OF INSURANCE WE OFFER
Whether you drive one of the newest electric cars, or a diesel dually truck, make sure you and your vehicle are prepared for every possible situation. Liability coverage is required in Virginia and Tennessee and can pay for injuries or damages you cause while driving, up to your policy’s limits.
General Liability coverage on your auto insurance policy protects you in two ways:
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Bodily injury liability: Pays for someone else’s medical bills if you’re liable for their injuries in an auto accident.
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Property damage liability: Pays for damage to someone else's vehicle and/or property if you’re liable in auto accident.
Comprehensive coverage protects your vehicle from events out of your control, including fire, theft, vandalism, hitting an animal, glass breakage, or acts of nature.
Collision coverage pays to repair or replace your damaged vehicle if you collide with another object, such as a tree, guardrail, fence, or another vehicle.
Home/Property Insurance:
Renting, buying, or building a home? Ensure that your property, both inside and out, is protected against any unforeseen circumstance that may arise.
Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value. Policy rates are largely determined by the insurer's risk that you'll file a claim; they assess this risk based on past claim history associated with the home, the neighborhood, and the home's condition.
Flood Insurance:
What does flood insurance cover in Virginia?
If your home is damaged in a flood event, whether it's accidental or caused by a natural disaster, only a flood insurance policy will pay to repair your dwelling and replace personal belongings.
Property Insurance: There are three types of property insurance coverage: replacement cost, actual cash value, and extended replacement costs.
Renters Insurance: Virginia and Tennessee state law doesn't require you to have renters insurance. However, your landlord or property management company may require you to get a renters insurance policy before they let you move in. Having coverage to protect your possessions may be a viable reason to consider taking out a rental insurance policy, even if it's not required. Virginia and Tennessee renters insurance policies are typically inexpensive and can protect you against covered perils that may result in financial loss.
Your life is valuable, and so are the lives of your loved ones. Protect their futures, even after you are gone. Below are the main life insurance policies.
Term life
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Covers you for a set amount of time
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Some policies have premiums that never increase
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The most affordable
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Can be converted to whole life with some policy features
Whole life
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Covers you for your entire life
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Can earn you dividends
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Builds cash value that's guaranteed to grow over time, even in down markets
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Lets you use your policy's cash value for anything, anytime
Universal life
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Many of the same benefits as whole life
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Covers you for life and builds cash value over time
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Flexibility to change your coverage amounts
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Control over when and how much you pay
Commercial policies pertain to business holdings. There are several different types of commercial life insurance policies, each with its own advantages and beneficiary rules. One of the most common is individual life coverage, which pays the subscriber’s family enough to prevent the forced sale of business assets to satisfy liens on personal property. Many small business owners use their family’s home as collateral for loans that are used to invest in commercial operations. Buy-sell agreements and key person insurance are other commercial life policies that help keep your business in the right hands after you’re gone.
