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Personal Insurance - Charlottesville, Virginia

Trusted advice and insurance solutions to protect what matters most.

Personal insurance in Central Virginia, including Charlottesville City, Albemarle County, Fluvanna County, Green County, Orange County and throughout all of Virginia.

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to homeowners insurance, we’re in the business of helping people protect what they value and have worked so hard to build.

Home Insurance

Your home is one of your biggest assets, and it’s important to do all that you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.

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Auto Insurance

Your automobile can be a fairly costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

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Renters Insurance

When you rent or lease, your landlord’s insurance usually only protects the building itself — not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.

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Condo Insurance

The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

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Watercraft Insurance

Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water.

RV Insurance

Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.

Secondary Home Insurance

Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.

Motorcycle Insurance

While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage – no matter what journeys you find yourself on.

Flood Insurance

Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters – even if you’re not in a flood zone.

Classic Car Insurance

Your prized collector car represents real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.

Umbrella Insurance

Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We’ll help protect your financial future.

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Valuable Possessions Insurance

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.

Off-Road Vehicle Insurance

Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.

Long-Term Care Insurance

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

Short-Term Disability Insurance

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for weeks or months. We’ll make sure you have financial support to manage your disability and your household.

As Medicare evolves to meet the needs of today’s world, the plans and offerings have become more complex. Understanding the various parts and supplemental options can help you choose a coverage plan to suit your needs. We’ll help you evaluate your needs so you can make an informed decision.

Dental, Vision, and Hearing Plans

Medicare, Medicare Supplement Insurance, Medigap, and many Medicare Advantage plans do not cover most expenses associated with dental, vision, and hearing services. However, standalone plans are available to help defray some of these costs.

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General Medicare

Medicare is an insurance program administered by the Centers for Medicare and Medicaid Services in the United States. Medicare began in 1966 and was originally administered by the Social Security Administration. Over the past half-century, the program has adapted to meet the ever-changing needs of the modern world by adding new program options, and allowing for the introduction of supplemental plans.

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Medical Advantage Plans

Sometimes referred to as Medicare Part C or MA plans, these plans are an alternative to Original Medicare Parts A and B. These plans have many things in common with Original Medicare, but they may also offer expanded benefits that aren’t available otherwise.

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Medicare Part D

Medicare Part D was established in 2003 as part of the Medicare Prescription Drug Improvement and Modernization Act, or MMA. Medicare began to cover prescription drugs under Part D in 2006.

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