A-1 Insurance Services, Inc

A-1 Insurance Services, Inc We provide personal, business, and life insurances in VA, TN and NC. A-1 Insurance Services was established in 1990 by Craig A Knepp.

Craig has published seven text books on insurance products and Virginia Law and owns one of the oldest Bureau of Insurance Continuing Education Schools in Virginia. He is also a widely recognized “expert” in insurance matters, and has served as an “expert witness” on numerous insurance legal issues

Craig is supported in office by Jessica Mastin and Robert Trainham and with a combined knowledge of

over 40 years in insurance experience, A-1 Insurance has been recognized as a consistent top 10 producer in Virginia with carriers we represent. A-1 Insurance provides personal, business, group health and life insurance in VA and NC. Allow us to quote a policy with our most trusted carriers that can fit your budget and leave you with maximum protection and peace of mind.

People collect fi****ms for a range of reasons from hunting and sport shooting to historical interest and, increasingly,...
01/26/2026

People collect fi****ms for a range of reasons from hunting and sport shooting to historical interest and, increasingly, for home defense and self-defense. But does your insurance policy provide enough protection for your collection?

🔫 Fi****ms as Personal Property
Under most standard homeowners insurance policies, fi****ms are considered personal property and are generally covered for certain losses, such as fire or theft. However, coverage may be subject to policy limits, exclusions, or sub-limits—especially for theft. In many cases, these limits may be lower than the actual value of the firearm.

🔫Coverage Limits and Scheduling
If you own fi****ms of significant value, including collections, antiques, or custom fi****ms, you may want to consider scheduling them separately on your policy. Scheduled personal property coverage can provide higher limits, broader protection, and often no deductible.

🔫Liability Risks Associated with Fi****ms
Homeowners insurance typically includes personal liability coverage, which may apply to certain accidental injuries or property damage involving fi****ms. However, it is important to understand that:

-Intentional acts, criminal acts, or expected injuries are not covered

--Negligent supervision, improper storage, or unauthorized access to fi****ms may increase liability exposure

Claims involving fi****ms can result in severe injuries or fatalities, leading to significant legal and financial consequences

Even when an incident is accidental, liability claims involving fi****ms are often complex and may exceed standard liability limits.

🔫Safe Storage and Risk Management
Proper and secure storage of fi****ms is critical. Some insurance carriers may require or strongly recommend that fi****ms be stored in locked safes or with trigger locks. Failure to comply with policy requirements or applicable laws could affect coverage and claims outcomes. Safe storage also helps reduce the risk of accidents, theft, and unauthorized use.

🔫What We Recommend

Review the value of any fi****ms you own and compare it to your policy’s personal property limits

Consider scheduling higher-value fi****ms

Evaluate your personal liability limits and consider higher limits or an umbrella policy

Store fi****ms securely and in accordance with local laws and insurer guidelines

Notify us of any significant changes to firearm ownership

If you have questions about how your homeowners insurance applies to fi****ms or liability exposure, or if you would like us to review your coverage, please contact our office. We are happy to assist you in making sure your coverage is appropriate for your situation.

❄️ Winter Storm Travel Safety — Stay Prepared! ❄️Winter weather can change rapidly, especially here in Central Virginia....
01/21/2026

❄️ Winter Storm Travel Safety — Stay Prepared! ❄️

Winter weather can change rapidly, especially here in Central Virginia. Snow, ice, and low visibility create hazardous travel conditions — and we’ve seen how serious it can be.
In January 2022, a powerful winter storm hit Virginia and left hundreds of drivers stranded on I-95 for more than 24 hours in freezing temperatures when traffic came to a standstill near Fredericksburg and Hanover. Many motorists had no access to food, water, or supplies as traffic bogged down on the highway, and the response challenged emergency systems.

🧰 Before You Go
• Check forecasts and road conditions — delay travel if weather is bad
• Fill your gas tank and check tires, wipers, and fluids
• Pack an emergency kit: blankets, warm clothes, water, snacks, flashlight, phone charger

🚗 If You Must Travel
• Slow down — roads can be icy even if they look clear
• Leave plenty of space between vehicles
• Use headlights and drive for conditions

🚑 If You Get Stranded in Your Car
• Stay with your vehicle — it’s easier for emergency crews to find you
• Call for help and share your location
• Run the engine ~10 minutes each hour for heat (make sure exhaust pipe is clear)
• Crack a window slightly for air
• Turn on hazard lights to increase visibility
• Stay warm with blankets/clothing and conserve phone battery
Winter travel can be unpredictable... don’t let it catch you off guard. Please stay safe, watch the weather, and share this post to help others be prepared! ❄️

⚠️ Generator Safety During Winter Storm Power Outages ⚠️Winter storms can knock out power with little warning, and gener...
01/21/2026

⚠️ Generator Safety During Winter Storm Power Outages ⚠️
Winter storms can knock out power with little warning, and generators can be a lifesaver — if used safely. Please take a moment to review these important safety tips to protect yourself and your family.

🔌 Generator Safety Basics
• Never use generators indoors — not in homes, garages, basements, or near windows or doors
• Operate generators outdoors only, at least 20 feet away from buildings
• Carbon monoxide is deadly — make sure you have working CO detectors
• Do NOT plug generators directly into wall outlets (backfeeding can seriously injure utility workers)
• Use heavy-duty, outdoor-rated extension cords

⛽ Fuel & Fire Safety
• Turn the generator off and let it cool before refueling
• Store fuel in approved containers, away from heat sources
• Keep generators dry and protected from snow — but never enclosed

🔧 Before the Storm
• Read the manufacturer’s instructions
• Test your generator ahead of time
• Have extra fuel, oil, and batteries on hand
Winter storms are stressful enough — generator safety can prevent fires, carbon monoxide poisoning, and injuries. Please use caution and share this information to help keep everyone safe during power outages. ❄️

Severe Weather Awareness Week For VirginiaMarch 10th - 14th, 2025Virginia experiences a variety of severe weather events...
03/11/2025

Severe Weather Awareness Week For Virginia
March 10th - 14th, 2025

Virginia experiences a variety of severe weather events, including tornadoes, thunderstorms, and hurricanes. Severe Weather Awareness Week serves as is a time to refresh, remind and educate everyone about the seasonal threats from severe weather and how to avoid them.

Over the next week we will discussing Severe Weather as it associates with insurance and we will be providing some valuable information to keep your family safe before, during, and after these devasting events.

Today we will be going over tornados.....

With tornadoes happening in so many states and being capable of causing so much damage, ensuring your home is financially protected from these perils can be essential in safeguarding your home. While roof and siding damage may be more common, tornadoes have destroyed entire homes on several occasions.

Most homeowners insurance policies include damage from the wind, which is the primary cause of tornado damage, as part of standard coverage. Homeowners can take the following steps to check that they are covered for tornado damage:

-Read your policy: Your insurance contract provides detailed information about your coverage types and limits. Familiarizing yourself with your policy can help you more quickly and effectively understand when you might want to file a claim.

-Talk to your agent: If you are unable to confirm that your policy covers tornado damage by reading the agreement, consider calling your agent or a representative from your insurance company. They should be able to advise how your policy would cover damage caused by a tornado.

-Add additional coverage: Although homeowners insurance policies generally cover wind damage, there may be situations where you have to add wind coverage separately as an endorsement or even by purchasing a separate policy. If your policy does not include wind coverage automatically, you may want to consider adding it. Home insurance policies in some tornado-prone states include a separate wind/hail deductible that would include tornado damage.
If you do need to add coverage for wind damage, it should be a relatively simple process. Your agent should be able to guide you through the process to obtain coverage for tornado damage.

If a tornado damages your home, contact your insurance company immediately. Take a home inventory with photos and videos of the damage inside (if safe) and outside your home and save all receipts for expenses incurred. All documentation of your losses should be submitted during the claims process.

While some repairs may need to begin as soon as possible for your safety or to prevent further damage, you'll want to hold off on making permanent repairs until your insurance adjuster completes their inspection of the damage. Once that happens, be sure your repairs and updates are in line with making it easier to prep your home for tornadoes in the future to minimize repeat damage.

If you are not sure what your policy covers please reach out to A-1 Insurance Services. We will give you a free analysis on what your current policy covers and if you are unsatisfied with your current policy then we can help find you cover that fits your needs.

Reminder: Daylight Saving Time Begins! Don’t forget to set your ⏰️ forward one hour tonight! This is also a great time ...
03/09/2025

Reminder: Daylight Saving Time Begins!

Don’t forget to set your ⏰️ forward one hour tonight! This is also a great time to test your smoke alarms and check your carbon monoxide detectors. Working alarms save lives!

As we have seen with wildfires across the U.S in the last couple of months, no one is immune to the occurrence or devast...
03/04/2025

As we have seen with wildfires across the U.S in the last couple of months, no one is immune to the occurrence or devastation that a wildfires can cause. It is important make we take appropriate measures to protect your home against these catastrophically destructive events.

However, as it's not always possible to avoid the devastation of a wildfire, it's important to protect yourself financially by having adequate insurance for:

The structure of your home – A standard homeowners policy covers destruction and damage caused by fire, which includes wildfires. In the event of a fire, your insurance company will pay to rebuild or repair your home, remediate smoke damage. This includes the outbuildings on your property—such as a garage or toolshed.

Your belongings – A homeowners or renters policy also insures your belongings for loss or damage. In addition, it covers theft or vandalism (in the event of looting in the wake of a wildfire). For homeowners, trees or shrubs are covered, as well.

A place to live – If your home has been rendered uninhabitable by a wildfire, your homeowners or renters insurance will reimburse you for any additional living expenses incurred as a result, such as a hotel room or meals out.

Your vehicle – The optional, comprehensive portion of an auto insurance policy insures your car against fire damage as well as vandalism.

Your business – The typical business owner’s policy covers property fire damage to the building, office space and equipment and inventory. Business income, or business interruption, insurance (BI) covers the profits a business would have earned, as well as the additional operating expenses incurred as a result of the disaster (such as the cost of operating out of a temporary location).

Note that the amount of your insurance payout is determined by the terms and limits of your policy.

As always, make sure you have enough homeowners insurance and other coverages (including life insurance) to financially protect yourself and your family in the event of a wildfire or any other disaster.

If you are unsure on what your polices are covering current please feel free to reach out to A-1 Insurance Services for a free consultation.

05/20/2024

Let’s dive into the "why" behind home and auto rate increases you might be experiencing, so you can stay in-the-know.

06/15/2023

A commercial umbrella policy for your business provides additional coverages that can help protect your business in situations that may not be covered by your business insurance policy.

As we continue with Burn Prevention Week.... Todays topic is chemical burns.....Chemical burns can happen in the home, a...
02/08/2023

As we continue with Burn Prevention Week.... Todays topic is chemical burns.....

Chemical burns can happen in the home, at work, or at school. They can result from an accident or an assault. Although few people in the United States die after contact with chemicals in the home, many substances common in living areas and in storage areas can do serious harm.
Many chemical burns happen accidentally through misuse of products such as those for hair, skin, and nail care. Although injuries do happen at home, the risk of sustaining a chemical burn is much greater in the workplace, especially in businesses and manufacturing plants that use large quantities of chemicals. Here are some ways to prevent chemical burns in the home and workplace....

-Secure all chemicals in and out of the home in locked cabinets or out of the reach of children.
-Store chemicals in their original containers.
-Try to use chemicals as little as possible, and don’t let them touch your skin.
-When using chemicals, always follow directions and safety precautions on the label provided by the manufacturer.
-Make sure your work area is well ventilated.
-Wear safety clothing and eye protection, and remember, safety first!

Address

10401-B Dow Gil Road
Ashland, VA
23005

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 9am - 1:30pm

Telephone

+18047523555

Website

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