DISCOUNTS on your insurance policies with Greater Virginia Insurance!
Greater Virginia Insurance is pleased to offer discounts for:
- Good Students
- Homeowners + Auto
- Central Alarm
- Defensive Driver (over 55)
- Retired Mature Owner, and
- Account Credit.
We are pleased to provide you with free quotes and can save you 10% to 15% if we insure your home and auto! Request a quote online now.
Our Homeowner's Policy can cover:
Damage to your home's physical structure.
Damage to other structures like garages or sheds.
Your personal belongings, whether they're in your home or elsewhere.
Temporary living expenses in the case your house becomes uninhabitable due to
a covered loss.
Your personal liability in the event someone is injured or their property is damaged.
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If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord's policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
Personal property (furniture, electronics, computer equipment, clothing, etc.)
Personal liability if someone is hurt, whether in your home or away from it
Damage to your apartment or home caused by a covered loss
Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it's affected by any of the following:
Fire - Smoke damage - Theft - Collapse of the building due to weather
Water leakage or overflow - Freezing of plumbing, air conditioning and more
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Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake loss.
Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick.
In the past, earthquake loss was assessed using a collection of mass inventory data and was based mostly on experts' opinions. Today it is estimated using a Damage Ratio (DR), a ratio of the earthquake damage dollar amount to the total value of a building.[1] Another method is the use of HAZUS, a computerized procedure for loss estimation. (from Wikipedia)
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In certain flood-prone areas, the Federal Government requires flood insurance to secure mortgage loans backed by federal agencies such as the FHA and VA. The lack of flood insurance can be detrimental to many homeowners who may discover only after the damage has been done that their standard insurance policies do not cover flooding.
Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows.
This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.
The National Association of Insurance Commissioners (NAIC) found that 33 percent of U.S. heads of household still hold the false belief that flood damage is covered by a standard homeowners policy. FEMA states that approximately 50% of low flood zone risk borrowers think they are ineligible and cannot buy flood insurance. Anyone residing in a community participating in the NFIP can buy flood insurance, even renters.
Individuals who are eligible and who have mortgages on their homes are required by law to purchase a separate flood insurance policy through a private primary flood insurance company or through an insurance company that acts as a distributor for the National Flood Insurance Program (NFIP). Flood insurance may be available for residents of approximately 19,000 communities nationwide through the NFIP.
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Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example the inability to focus or maintain composure as with psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits. Statistics show that in the US a disabling accident occurs on average once every second.
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Long-term care (LTC) is a variety of services which help meet both the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
It is common for long-term care to provide custodial and non-skilled care, such as assisting with normal daily tasks like dressing, bathing, and using the bathroom. Increasingly, long-term care involves providing a level of medical care that requires the expertise of skilled practitioners to address the often multiple chronic conditions associated with older populations. Long-term care can be provided at home, in the community, in assisted living facilities or in nursing homes. Long-term care may be needed by people of any age, although it is a more common need for senior citizens.
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Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the premium.
The advantage for the policy owner is "peace of mind," in knowing that the death of the insured person will not result in financial hardship for loved ones.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot and civil commotion.
Life-based contracts tend to fall into two major categories:
Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US) are whole life, universal life and variable life policies.
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A life annuity is a financial contract in the form of an insurance product according to which a seller (issuer) — typically a financial institution such as a life insurance company — makes a series of future payments to a buyer (annuitant) in exchange for the immediate payment of a lump sum (single-payment annuity) or a series of regular payments (regular-payment annuity), prior to the onset of the annuity.
The payment stream from the issuer to the annuitant has an unknown duration based principally upon the date of death of the annuitant. At this point the contract will terminate and the remainder of the fund accumulated is forfeited unless there are other annuitants or beneficiaries in the contract. Thus a life annuity is a form of longevity insurance, where the uncertainty of an individual's lifespan is transferred from the individual to the insurer, which reduces its own uncertainty by pooling many clients.
Annuities can be purchased to provide an income during retirement, or originate from a structured settlement of a personal injury lawsuit.
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Vehicle insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region. To a lesser degree vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions.
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Three types of automobile insurance coverageare offered for the total loss of your vehicle: Actual Cash Value (ACV), Stated Value, and Agreed Value. ACV coverage is what insures most everyday cars and pays out a depreciated 'book' value in the event of a claim; the older a car is on an ACV policy, the less value it has. Some insurance companies offer Stated Value policies for collectibles. These policies are better than ACV because they allow you to 'state' a value for your vehicle that is greater than its depreciated 'book' value. But, Stated Value can still depreciate vehicles because the policies generally require the insurance company only to pay up to the 'stated' amount. Only Agreed Value insurance policies guarantee you will get all of your money back in the event of a total loss.
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Comprehensive Coverage. This is included with our motor home policies and is not usually included in your typical auto policy. This provides protection from just about any direct, sudden, and accidental loss, including; collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning. We also include Coverage for Attached Accessories, including awnings, satellite dishes, TV antennas and more.
Total Loss Replacement Coverage. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your trailer travel at the time it's destroyed.
Replacement Cost Coverage. More than a typical auto or homeowners policy, this covers your personal belongings that are destroyed or stolen.
Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away.
Campsite/Vacation Liability Coverage. Provides liability coverage when you are parked and using your motor home as a residence, typically seasonally or weeks at a time.
Full-Timer Coverage. This is a coverage very similar to a homeowners policy. This option covers you when you are parked and using your motor home as a residence, typically for extended periods of time. Insuring your Tow Truck. This special option offers insurance for your medium duty tow truck that you use to tow your motor home, provided the medium duty tow truck's GVWR exceeds 10,000 pounds.
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Boaters Insurance
With so many boat insurance options, we provide you with information to help you choose the best coverage for your boat or personal watercraft.
Boat insurance covers many kinds of boats, so even if you're looking for specific coverage—like personal watercraft insurance, jet boat insurance, sailboat insurance, fishing boat insurance, or house boat insurance—a boat insurance policy is what you need.
Jet Ski Insurance. For those of you who didn't already know, boat insurance and Jet Ski insurance are not the same thing. You need to get an insurance called "personal watercraft insurance" because this type of insurance will cover so much more than just the damages that were caused to your jet ski. So what exactly is included? Well it all depends on how much money you can afford to pay because every protection plan and premiums are different, but you should make sure it covers all health/injury related issues that happen to you, damages done to the jet ski, and if needed you should also make sure it covers things you might tow such as wakeboards and tubes. If anything ever happens to you when you are riding your jet ski, you will be very thankful you have insurance.
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ATV (All-Terrain Vehicle) Insurance
Whether you use your ATV for fun, hunting, or around the farm, coverage is a must!
Liability coverage. This insurance helps cover bodily injury and property damage to others if you are at fault in an accident. It can pay for other people's medical costs, as well as their lost wages and your legal expenses. Most states require liability coverage.
Collision coverage. Collision helps covers damage to your ATV if you hit another vehicle, another vehicle hits you, or your ATV rolls over. This coverage also includes up to $2,000 for safety apparel. It may be required if your all-terrain vehicle is leased or financed.
Comprehensive coverage. Comprehensive insurance helps pay for damage to your ATV not caused by a collision. This can include damage or loss from theft, vandalism, falling objects, fire, flood and certain other natural disasters. Comprehensive also covers custom parts and equipment.
Uninsured or underinsured ATV coverage. This ATV insurance helps pay for repairs to your all-terrain vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. It also helps pay the medical costs for you and your passengers if an accident caused by an uninsured or underinsured driver results in injury.
Medical payments coverage. Medical payments helps pay for medical bills for the treatment of injuries resulting from a covered accident, regardless of who is at fault.
OEM endorsement. An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won't be used to repair your vehicle.
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Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain."
While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).
General damages for pain and suffering, and punitive damages for employer negligence, are generally not available in workers' compensation plans, and negligence is generally not an issue in the case. These laws were first enacted in Europe and Oceania, with the United States following shortly thereafter. (From Wikipedia)
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General Liability Policies
Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individuals or companies that faced a common peril, formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium. Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Greater Virginia Insurance
Office Hours Monday-Friday, 9am to 5 pm
Located directly across from Richmond International Airport
5730 Williamsburg Road, Sandston, Va 23150
(804) 222-9000  •  Toll Free 1-888-467-5471  •  Fax (804) 222-0101

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