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Gantt Insurance Agency

1801 E 3rd St
Farmville, VA 23901

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Does Your Virginia Home Insurance Policy Have These Important Coverages?

When you have home insurance in Virginia, it’s easy to just get the minimum amount of coverage so that you know you are covered if something happens. However, there are a number of unforeseen events that you might need coverage for down the road.

At Gantt Agency, we want Farmville, VA residents to feel secure in their Virginia home insurance policy so that they are covered for every possible life circumstance. There may be coverage for events that you don’t even know about. Learn what is available so that you will be protected for any event.

Contents Coverage

If you have the minimum Virginia home insurance requirements, you may not have contents coverage. Do you know how much it will cost to replace items that you own?

You probably don’t want to think about that. Take an inventory of everything in your home, and put a value on that.  You won’t have to think about that anymore if you have contents coverage for your home insurance policy.

Living Expenses

Sometimes bad things happen to good homes. You may have to leave it for a little while when an emergency happens. Living expenses coverage will help you to pay for any hotels, food, and transportation if you are temporarily displaced or evacuated from your home because something bad happened.

Storm Coverage

There are a number of options and needs for storm coverage in Virginia. You may want to add sewage coverage, and riders for hail, flood, or wind.

Personal liability insurance is important. However, you may be more likely to have bigger problems than a slip and fall on your property. Make sure your storm insurance is added on or up to date.

Get a Quote

At Gantt Agency, we can help Farmville, VA residents to secure the most complete coverage for their home insurance. Call us for a quote today.        

Why is trucking insurance necessary in Virginia?

The trucking and shipping industry continues to be very important as it is responsible for transporting necessary products all over the country. Due to the value that the trucking industry provides, there continues to be a demand for those in the industry. If you operate in the trucking industry in the Farmville, VA area it is important to ensure that you are properly insured. A trucking insurance plan can offer several forms of coverage that will make it a practical necessity. 

Insurance Protects Assets

A key reason that you will need to have a trucking insurance plan when in this area of the state is to ensure your business assets are covered and protected. To operate in the trucking environment, a company will need to own different pieces of expensive equipment. The best way to protect all of your valuable assets is by getting a trucking insurance plan. 

Insurance Gives Liability Protection

It would be best to get a trucking insurance plan because it will provide you with liability protection. Those in the trucking field will take on a lot of liability risk, including the risk of causing an accident or damaging cargo. With a full trucking insurance plan, you will get the protection needed to offset this risk, which could be very helpful for your business. 

Those that are in the Farmville, VA area and are in the trucking industry need to make sure that they get the right insurance in place. When looking for trucking insurance, you should call the Gantt Agency. The team with the Gantt Agency knows how important this coverage is. They can offer you the guidance needed to build a plan that is ideal for your situation.

Learn the difference between an SR22 and an FR44

Are you a high-risk driver in Farmville, VA? If you have a DUI on your driving record or have caused multiple accidents, you are classified as a high-risk driver and might require additional auto insurance protection. SR-22 and FR-44 come to effect when dealing with such drivers. 

The two come as special filings attached to your car insurance and aim to show that you have sufficient coverage required in your state. If you have SR-22 or FR-44, then your driving behaviors are wanting.

But do many people even know about the existence of the two policies? If this is your first time hearing about them, Gantt Agency is here to provide more information about the policies. Read on to understand the difference.

SR-22 Insurance

When you’re a high-risk driver with an SR-22, it means your auto insurance carries some extra coverage. The insurer notifies the DMV that you’re insured and fit to drive on the road. 

In case the policy expires, the insurer is also required to report to the DMV. Carrying SR-22 will likely see you pay higher premiums than others due to the high risk of filing claims. SR-22 is not a type of insurance but rather a notice that you’re insured in case of liability. 

FR-44 is similar to SR-22 but mainly used for DUI offenders. If you’re charged with DUI, then you’ll certainly need FR-44. Unlike SR-22, FR-44 requires that your auto coverage limit be at least $100,000. The argument behind it is that drunk drivers are likely to commit repeat offenses. 

Do You Need SR-22 or FR-44?

Reckless driving is no fun, and we advise that you should avoid it at all costs. However, if you’ve found yourself in trouble already, there’s no need to dig deeper. Get yourself some protection.

Are you a high-risk driver in Farmville, VA? Reach out to Gantt Agency for more information on how to get adequate auto insurance.