Lee Insurance Center, Inc.

11/14/2025

Dear Valued Lee Insurance Center Friends & Clients,

We’re thrilled to announce that Lee Insurance Center has officially joined Mega Insurance
Center — a leading independent insurance agency representing over 20 top-rated insurance companies across Virginia, Maryland, North Carolina, Kentucky, Pennsylvania and Florida.

This merger allows us to offer you even more — broader insurance options, better
technology, expanded staff, and longer service hours — all with the same dedication to
personal service that you’ve come to expect.

What this means for you:

• Your current policies remain in force — no action is required.

• The Mega Insurance Center team will now be your main point of contact for all policy
changes, billing, and service needs (see contact info below).

• I’ll continue in a sales and advisory role, helping to ensure a smooth transition and
continued guidance.

• You’ll benefit from Mega’s advanced systems that shop renewal rates across 20+ top
carriers, helping you maintain the best rates and coverage.

• With our larger staff and extended hours, you’ll enjoy faster response times and more
ways to connect with us.

If you need assistance or have any questions, please contact our service team at the same phone numbers you’ve always used, email us at mailto:[email protected], or you can also use Mega’s phone number at 804-325-4354.

We’re here and ready to help!

To learn more about your new agency family, visit www.megainsurancecenter.com (http://www.megainsurancecenter.com/)
We’re excited to welcome you to the Mega Insurance Center family, and look forward to
continuing to serve all of your insurance needs with even greater resources, and care.

Warm regards,

Joseph T Lee
Mega Insurance Center
9011 Arboretum Pkwy, Suite 100
Richmond, VA 23236
Phone: 804-325-4354
Email: [email protected]

Mega Insurance Center in Richmond, VA offers tailored insurance solutions for homeowners, RVs, boats, and professionals across Virginia. Protect your assets with expert coverage and personalized service. Get a free quote today!

08/25/2025

If you decide to eliminate your agent to try to save money and you skimp on coverage because you do not understand what the coverages are for or what they do, you could end up not having any good coverage in the event if something like this happens. Also, your Independent Insurance Agent understands coverages and we explain them to all of our customers. https://www.facebook.com/share/r/1CTWLicBe2/?mibextid=wwXIfr

08/14/2024

This is the reason you may want to consider Flood Insurance. Rising surface waters can flood anywhere. https://www.facebook.com/share/r/AztpqDLZoNk6KxFP/?mibextid=iexibG

10/28/2023

When people come to our agency and want a quote, we ask all the questions on the auto application including who is living in the home. Many people today are co-habitating and not wanting to disclose another people who is in the home. By failing to disclose, you could have your insurance cancelled retroactively. Even worse, the insurance company could deny your claim. See the attached story of a man who had an at fault accident but failed to disclose his children who were over 14 years of age to the insurance company.

Now he’s on the hook for almost $5,000 in damages to the other vehicle.

10/11/2023

09/22/2023

This morning, I have written an article about how to protect yourself from unscrupulous storm chasing contractors. Please read. If you are my client, I will be more than happy to verify a certificate of insurance. Just follow the instructions listed in the article to help you in the event you have a claim and you use an out of town contractor.

As many of you know, not only am I involved in ministry, but I also own an independent insurance agency. Our agency sells a lot of homeowners insurance, and we feel confident that we have insured o…

09/12/2023

Insurance Rates Are Increasing All Over the Country

Has your insurance premiums increased? If so, you are not alone.

All the insurance companies have taken massive rate increases due to inflation, which is at its all-time high. There continues to be a shortage of parts when trying to repair vehicles, and the cost of labor has increased.

The insurance industry has taken huge hits from storms and accidents and the rates are going up everywhere all over the country. The hurricane that just hit Florida caused a lot of damage in that state as well as in Georgia and South Carolina.

If you think these storms only affect the policyholders in the state of where there was destruction, you are greatly mistaken. The insurance companies in Florida use reinsurers.

Well guess what? These reinsurers are used by many of the other insurance companies like the ones you are insured with. If they take a bad hit, then they are going to increase the premiums that the insurance companies pay for their reinsurance. Then your company is going to raise your premiums. If they don’t, then there is a good chance that they will pull of if the state that is having lots of claims.

I am very thankful that Virginia has not been hit by a major hurricane. But Virginia has had a history of very cold temperatures which cause pipe freezing during the Winter months. During the Spring, Summer, and Fall seasons, we have been hit with severe thunderstorms which has caused major damage across Virginia. Even last year, Virginia Beach had a tornado which caused a bit of damage.

The bottom line is this, you are going to be seeing insurance rates increasing. I do not think that this will be settling down very soon. I have heard from insurance industry professionals that they think we will see over the course of the next two to three years, continued increasing premiums.

Another issue going on in the industry is that many car insurance companies are doing away with annual policies and are going with six month policies. By doing this, it allows the insurance company to increase premium and/or non-renew customers who either file lots of claims or are bad drivers. If you can get an annual policy, do so. If you have one, try to keep it.

If you are my client, my recommendation is to keep what you have for now. If I shop you, find you a cheaper policy, but can only get you a six month policy, this may come back to bite you if your rate increases significantly in six months. Then, you may be stuck in that six month policy.

Many carriers have changed their underwriting standards. Some carriers are not taking new business. Some carriers will only take a home with the roof less than 15 years old.

This is why I say to stay where you are. We can look at increasing your deductible or eliminating coverage that you may not need. We can talk about it. A re-quote may need to be done if your rate has increased by hundreds of dollars. But if it has increased only by $5 to $10 a month, that increase is very little compared to a $1000 increase a year.

Ways to avoid massive increases. The best way is to be careful when you drive. Don’t text and drive. Don’t speed. Pay attention. The small claim can lead to huge increases in premium.

Dave Ramsey teaches to carry higher deductibles to save money on your insurance. Snowball your debt to get out of debt. Once short term debt is paid off, then start saving a lot of money so you will have the money needed if you do have a claim and you have a high deductible.

Written by Joseph T Lee for Marketplace Evangelism Ministries Inc. All Rights Reserved. Copyright September 12, 2023. You may copy and paste this story as long as you include the copyright and ownership of the story.

08/31/2023

We must join together to pray for all those affected by the hurricane in the Southern States. Praising God though for the safety of family in the Wilmington NC area. And of course, praising God that the storm has turned out to sea and will not affect Virginia in a huge way!

There are people suffering from the storm damage in Florida. If you will, please consider donating to a disaster relief organization where you know that most the money will go to disaster relief. My favorite disaster relief non-profit is Samaritan’s Purse. There are others like Operation Blessing and the American Red Cross. In Virginia, the Southern Baptist Conservatives of Virginia has a disaster relief component where they send feeding teams and disaster relief chaplains to hard hit areas to help the people suffering from loss. Please consider giving because it takes money to fund these relief operations. And of course, pray! Pray for the victims as well as the relief workers. Get involved even if it’s through a financial donation and help make a difference. No amount is too small.

08/02/2023

Now, we know that UAP’s and UFO’s are real according to Congress, I just want to mention, in case any of you are really aliens, we have good rates on car insurance. Some people say our rates are out of this world! Call me at (804) 427-6030 for a free quote! Lee Insurance Center Inc is licensed in Virginia, Tennessee, North Carolina, Kentucky, and Pennsylvania.

05/28/2023

Just an FYI, if you buy a new car over this holiday weekend, you may email me the details and I will get it added to your policy. Virginia law states that you have up to 30 days to add a new car to your auto policy effective the date you registered it. As this is Memorial Day Weekend, as you are off, I am also spending time with my family as well. I do not mind taking calls as long as they are true emergencies, such as your house has a major claim or you have been involved in a major accident. Of course, the claims number is open 24/7 to file a claim. Their number is on your insurance card. You may always text me with a question, even on a holiday. I will answer your question via text. I want you all to have a safe and fun Memorial Day Holiday spending time with your family as I will spend time with mine!

04/15/2023

Here is some good advice from one of my trusted mortgage loan officers.