Personal and Life Insurance

Personal and Life Insurance

Life Insurance

Insurance Associates has access to many of the leading life insurance companies in the country. Our clients rely on us to help solve their individual estate planning needs, to assist in funding Buy-Sell Agreements, and to provide our business clients with Key Man Life Insurance. Whether your needs call for Term Insurance, Whole Life, or Universal Life Insurance products, we can help by providing competitively priced solutions from carriers with a solid financial track record and a history of stability.

Click here to visit our online glossary for a list of related terms involving personal lines insurance.


Personal Insurance

Insurance Associates is committed to providing quality insurance services and building a long-term relationship with our clients. Our agents specialize in personal insurance for individuals ranging from homeowners, automobile insurance, and to specialty lines such as yachts, aircraft, fine art, and antique cars. We review your unique needs and conduct a thorough review of policy options and advise you on the best fit for minimizing risks and premiums. Insurance Associates has access to the highest quality private client carriers so we are able to offer superior policy coverage that is not available in the standard market. We are dedicated to providing you with personalized, knowledgeable service.

Types of Products


High Net Worth Individuals

  • Insurance Associates Agency provides insurance solutions for high net worth individuals and families in and around the Northern Virginia area. We’re a resource for clients that have significant assets to protect. These clients typically require special insurance programs and a level of coverage and service that exceeds what is typical.Our approach at Insurance Associates is to begin with a systematic review by assessing your needs and conducting a comprehensive review of your current coverage. To best determine your insurance requirements and advise on reducing risk, we familiarize ourselves with your circumstance. Using this information, we identify any potential coverage gaps, and determine how to best structure your insurance program. Some of the common coverages’ include:
      • High Value Homeowners with Guaranteed Replacement Cost
      • Excess Flood
      • Builder’s Risk
      • Artwork, Jewelry
      • Employment Practices Liability
      • Domestic Staff Worker’s Compensation
      • Antique and Valuable Automobiles
      • Yacht
      • Private Aviation

     

    Our agency works directly with high net worth carriers that provide superior coverage, loss prevention and claims expertise to protect your family and lifestyle. We work together to offer a comprehensive insurance and risk management program. With Insurance Associates Agency, you’ll receive the discretion and personalized first-class service that you expect from a trusted advisor.

    Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Homeowners Insurance

  • Insurance Associates understands that your home is a big investment. As an independent agency we work with many insurance carriers that offer security with customized coverages at an affordable price. Our comprehensive plan helps protect your home and what’s inside it, with extra coverage options for furniture, valuables, and more. Get the flexible protection you need and the discounts you deserve.Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Personal Auto Insurance

  • Choosing the right auto insurance can help protect you from the risks of the road. Insurance Associates can help you decide how much insurance is right for you and your family and we make sure you receive all possible discounts. We will explain options such as comprehensive and collision deductibles, personal injury protection, and lease gap coverage. We can also handle special situations such as high value autos, motorcycles, and classic autos.Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Personal Excess Liability Coverage

  • Protecting Your AssetsPersonal excess liability policy protects you from lawsuits filed against you and your family for personal injury and property damage. This policy aims to deliver seamless protection in the event the underlying primary policy is exhausted, such as homeowners, automobile, and watercraft policies. Excess liability coverage is essential to a household’s financial security, and can provide vital support in the event of a lawsuit. Insurance Associates can offer broad, competitively priced protection:
    • Coverage limits start at $1 million, ranging up to $25 million.
    • Protection against claims of personal injury and property damage.
    • Coverage for defense counsel not subject to policy limits.

    Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Valuable Personal Property Insurance

  • Learn about an affordable insurance policy that picks up where your homeowner leaves off. Whether it is your diamond engagement ring or a collection of rare art, it seems the things you value most maybe the hardest and most expensive to replace. You will be covered for the replacement cost of your items. A standard homeowners or renter’s policy offers limited or no coverage for the items below, and losses are subject to your policy deductible.You can be covered for:
    • Jewelry
    • Silverware
    • Fine Arts
    • Coins
    • Cameras
    • Guns
    • Stamps
    • Furs
    • Musical Instruments

    Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Yacht and Watercraft Insurance

  • Watercraft coverage protects you whether you own a sailboat, powerboat, luxury yacht or something in between. Our personal insurance expert can help you understand the options such as liability, physical damage (called hull insurance), and coverage for trailers and accessories. We will also make sure that you receive all of the premium discounts that you qualify for including fire suppression systems, burglar alarm, and approved education courses.Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Flood Insurance

  • Flooding is the most common natural disaster yet flood damage is not covered by a Homeowners policy, whether it is caused by flash flooding, heavy rains from seasonal storms or storm surge from a hurricane. Flooding can occur anytime, anywhere and you do not need to live near water to be impacted. In fact, roughly 25 percent of all flood insurance claims come from areas not considered high risk. A flood can cause catastrophic damage to your home and property.Why You Need Flood Insurance
    • Floods are the #1 natural disaster in the U.S.
      Losses total more than a billion dollars a year.
    • The average flood loss is $48,000.
      Just an inch of water can cause damage to your property.
    • Everyone lives in a flood zone.
      Floods and flash floods happen in all states.
    • Nearly 25% of all flood losses occur in low-to moderate-risk zones.
      You can buy flood insurance no matter what your flood risk is.
    • Flood damage is not covered by most homeowner’s policies.
    • Flood insurance is affordable.

    Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

Wedding and Private Event Insurance

  • We know that your special day is all you have been dreaming and worrying about. Put your mind at ease as Travelers helps protect you against the unanticipated. What if your venue suddenly goes out of business? Bridal salon loses your dress? Your caterer backs out? Don’t worry, for as little as $200, this policy helps safeguard your wedding or event with a customized protection plan.Wedding and Event Protector Plan can cover:
    • Cancellation or postponement
    • Lost deposits
    • Wedding photographs/video
    • Wedding gifts & Special jewelry
    • Liability insurance (optional coverage)
    • Liquor liability insurance (optional coverage)

    Complete the form on the right-side of this page to reach Kristy and find out how you can start saving today!

List of Resources


Definitions


Click here to visit our online glossary for a list of related terms.

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