Category: Insurance

Running a repair shop takes a lot of work and commitment. Here at the Gantt Agency, we understand how difficult it can be to run a successful business in the Farmville, VA area. We want to help you to protect all of your hard work and investments!

Do you need garage insurance for your repair shop?

There is a lot that can go wrong at an auto repair shop. There are liability concerns for both your employees and your customers. You may not be able to repair certain jobs and the customer may try to become litigious. Or, there could be an accident that involves a vehicle that was in your shop, and the owner may try to pin some liability on you.

As we said, there’s a lot that can go wrong! We want you to have a thriving business now and for many years to come. That is why it may be time to consider garage insurance for your shop. This type of specific coverage can help you in the event of theft, vandalism, liability, and certain natural disasters.

After all of the hard work that you have put into your business, doesn’t it make sense to protect it? We can sit down with you and review all of the garage insurance policy options that are available in our area. Determining the type of policy along with the appropriate level of protection you need does not need to be a process you go through alone. Let us help you find the right coverage. 

Give us a call today!

The team at the Gantt Agency is here to help you with all of your insurance needs. If it’s time to review the policy for your Farmville, VA area business, give us a call today.

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.        

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.