The Insurance Advisor, LLC

10/02/2025

Did you watch the mayhem tonight? 👀

14/08/2024

PSA:

One of our biggest responsibilities as insurance agents is listening to insureds who are concerned about the rising rates, and trying to help them come up with solutions. We are shocked at how few insureds take advantage of telematics. Telematics has been the insurance industry's answer to Insured A having to pay rates for Insured B's bad driving habits just because they are similar zip codes, vehicles, etc. So, the solution is to allow the carrier to use "usage-based telematics" to see how YOUR particular household drives (speed, acceleration, braking, time of day, etc). We have yet to see one of our insureds use telematics for 3 or 6 months (depending on the carrier) and their rates not go down. Most carriers give you an immediate 5-10% discount just for signing on, and then an additional discount, typically, after the evaluation period.

BEWARE! If your household's driving habits are bad, then be sure you can't be negatively impacted by usage-based telematics. ASK YOUR AGENT!

At The Insurance Advisor, most of our carriers don't allow you to be negatively impacted, presumably because the data collected is more valuable than a couple of percent the other way on rates. Think of it as a "thank you" for participating.

Call or email your agent today to see if your carrier offers a telematics program!

03/07/2024

It's that time of year! College students are getting ready for the fall semester. You probably need a renters policy to cover their stuff and provide liability coverage to the landlord. CALL US! It's a simple, inexpensive policy, that can be written in about 10 minutes.

The office number is 804-308-9424 and we'll be here this afternoon (July 3rd) and when we open up again Monday after the long holiday weekend.

Happy 4th of July!

31/05/2024

OK...Real talk! You probably don't have enough coverage for a rental car if your car is damaged and needs to be repaired. Historically, the "typical" rental reimbursement coverage is between $600-$900. What does this mean? You'll run out of coverage and need to turn your rental in before your car is fixed OR you'll have to pay out of pocket. Solution: Raise the limits on your policy!!

21/03/2024

We know the increase in auto insurance premiums can be frustrating, but here's a good explanation for it!

Remember - at The Insurance Advisor we are always working hard to stay on top of your renewals and re-rate your policies to help save you money when we can. Interested in having us review your policies? Give us a call today!

07/03/2024

If you noticed an increase in your homeowner's insurance premium, you're not alone. Check out the costs of home repairs!

14/02/2024

Wondering why your insurance premiums are going up so much? We can promise you're not alone. Check out this video from one of our carriers, Safeco Insurance, that will help answer some of your questions!

27/01/2024

A single step can change your life.

What's next on your to-do list? Write it down, or share it in the comments!

11/01/2024

03/10/2023

October is Fire Prevention Safety Month! Here are some fire prevention and safety tips as we approach the home heating season:

1. Have your heating system (both oil and gas) serviced annually in the fall by a licensed HVAC technician.
2. Test smoke alarms monthly.
3. Maintain carbon monoxide alarms outside each sleeping area and on every level of the home.
4. Give them space! Keep all combustibles at least 5 feet away from any heating unit (furnaces, portable units, stoves, fireplaces, etc.).
5. HAVE A PLAN! If you do not have one, develop a fire safety plan for your family and practice that plan. Be sure the entire family is involved - engage children by having them identify exit points and an outside meeting place, and having them help map out the plan.

The Insurance Advisor is here to help! Send us a message, call our office or email us at [email protected] with any questions you may have.

18/09/2023

Consider this a Public Service Announcement to our friends...even if you aren't necessarily our clients! DON'T SHOOT THE MESSENGER!!

The insurance industry (no particular carrier) is in an historically bad period. Inflation, rising cost of building materials, a bad stock market, and catastrophes occurring almost every day nationwide have the industry in a tailspin. (These are just a few that don't involve a ton of insurance knowledge to understand.)

How does this impact you as an insured? Good question!

Carriers, historically, love new business and want to retain old business. That is not necessarily the case right now. So, BE CAUTIOUS! I beg you not to file a "small" homeowners claim. If your particular carrier is trying to decide if they should renew your policy, a claim will almost certainly push them to non-renew you, which sets off a whole host of things to overcome. Before filing a home claim, call your agent and talk to them and listen to their honest opinion about whether you should file it or not. If your agent won't return your communication....that's a different issue. and we can help with that! :)

As you know, we represent a very large number of carriers, so reach out if you would like to shop your renewal rates. Our answer will be either A) yes we can help, or B) you are better served with staying where you are, but thank you for reaching out. Either are wins for you. Option A will give you a better option. Option B will give you peace of mind that you are not overpaying in premium, underinsurance, etc.

Best regards and good luck weathering the current insurance "storm". Hopefully, we will be through this by 2025.

Greg Walls, Owner
The Insurance Advisor, LLC
804-308-9424

08/08/2023

As your college student prepares to head back to campus, it's important not to overlook one essential aspect of college life: renters insurance. The Insurance Advisor is here to make sure you get the right coverage - with smart pricing and personalized rates. Visit https://the-insurance-advisor.net/insurance-quote/ for a quote today.

As college students prepare to head back to campus, it's important not to overlook one essential aspect of college life: renters insurance.