Lytell Insurance Agency, a Virginia Agency

04/08/2024

In Retirement, I share to help you in case of a house fire. Most people do not have a home inventory. Most people cannot name everything in just ONE room from memory. Imagine what you'd forget in a total loss. I strongly recommend that you take pictures of every room in your home from a couple different angles. Open closet doors, drawers, & cabinets. Don't forget a garage, porch, sheds. You can create your inventory from your pics. An insurance adjustors can work with you much better with the pics. This can make a difference of 10's of thousands of dollars. Don't put this off ! You never know when a loss will occur.

03/07/2024

Just Sharing Info: Based on my 30 plus years with a securities license. I turn 74 this year. The closer I get to drawing on my IRA's ...the more conservative I get. I recently re-balanced my portfolio from 80% Growth 20% Income to 40% Growth and 60% Income. Today, I did it again...to 25% Growth and 75% Income. Standards & Poors index is very high, and this is a great measure on the whole stock market
These moves allow me to "lock in" most of my gains. I share this...as it may help some of you to review your own status.

01/02/2024

This Holiday Season, two of our longterm Client Families suffered the loss of their sons. It is unimaginable losses. My heart breaks for both Sets of Parents. I hope there are many friends and family attending to them.

09/22/2022

Gotta a new pic app. Was able colorize some old pics..descratch others...Saw this pic when I was 16 ( 56 years ago )...and tried another feature of the app. What a hoot.

02/15/2022

In retirement, let me help you save your life. Traffic Deaths are jumping. During Covid, our roads became emptier, and drivers increased speed. People were abusing substances more. More people were without vehicle transportation, and rode bikes or walked. Now roads are full, as people are stopping remote work and still not taking mass transit or pooling. Speeds are still up and substances abuse remains high. Car jackings are prolific. All this to say...drive very carefully, without cell phone use, be aware of your surroundings, at slower speeds, anticipating bikes, peds, speeders. These are tough times on the road. Be extra cautious.

02/09/2022

I am retired almost 5 years now....but you can still get your insurance needs addressed by contacting my Daughter, Alison.

team at Burke & Burke Insurance are dedicated to providing the very best insurance coverages at extremely low prices.

11/30/2021

In retirement from my Insurance Agency..I still have tips to give... Zombie Apocalypse ... You've seen the commercial for a warranty company? People were covered on the Zombies, but not on the A/C. IT's TRUE !! Your Homeowner Policy is protection from perils, not a maintenance contract or warranty. You have coverage for Civil Commotion, which should include the Zombie Apocalypse... but if your A/C dies, NOT by a power surge/lightening strike/weight of snow...then probably not. Keep up your termite protection. Buy the coverage from your utility on the pipes between the house and street. And if you want the benefits of a warranty, you will need to buy one. Perils-Homeowner Policy. And also attach water backup and ordinance or law coverage. Some may want earthquake coverage too.

09/25/2021

WARNING ! From now to November is the most dangerous time for accidents with deer ! Be very cautious when traveling near wooded roads without fences. If you encounter a deer...DO NOT SWERVE big time into an oncoming lane or off the road into the woods. Try to decelerate quickly, but maintain control...as your life and your passenger's lives may depend on it. Collision with deer are far more forgiving than an oncoming vehicle or tree. Be safe and enjoy the beautiful Fall months.

05/28/2021

WARNING: If you get a Reckless Driving ticket. Do not just pay it, if this is offered. I would STRONGLY recommend that you retain counsel. Counsel should be in the same jurisdiction that you received the ticket. Counsel there will know the prosecutors & can bargain for a reduction. Reckless Driving is a major violation. It adds a large premium boost to your current insurance rates. It will cause a non-renewable on preferred rate auto insurance. It appears on your DMV Motor Vehicle record for 5 years. Worse, it will be seen by a judge, in any future court date for ELEVEN YEARS ! Spend the money and protect yourself.

04/18/2021

In retirement from my insurance agency, I share past posts to help people. Please allow me to try and SAVE YOUR LIFE !!!

1) Keep your smoke alarms and carbon monoxide alarms working. Your SURVIVAL, in a home disaster, just improved by well over 50% !!!
2) Buy a CHAIN LADDER. In a fire, doorways and stairs can be blocked. People go to their 2nd and 3rd story windows. They fear jumping will break their leg. So they wait for the Fire Department for rescue, and the SMOKE overcomes them. They never get out ( but, I admit, their legs do not get broken, so they leave an intact, but crispy co**se ). A chain ladder stores under a bed easily. They are not expensive. There is no DEBATE at the window about jumping. You just hang it over the sill, and out you go. It won't wear out, and you can take it with you when you move away ( because you will STILL BE ALIVE ! ).
3) SEAT BELTS. There are still many people that DON'T wear their seat belts. I hope you are driving with a HELMET on, like bikers do, because, in a collision....You Are Going To Leave The Vehicle... Out the Front, out the Back, or out the Side....... LEADING with your HEAD !!! Picture your vehicle being T-Boned by an errant driver. Picture yourself hanging halfway out of the side window, as your vehicle rolls over you. You are going to make a mess of it....The accident was not your fault... but that is not GOING TO HELP ! Make sure everyone is wearing their belts in your vehicle. You will be better positioned for air bag deployment. It will keep Everybody in the " Cage ", and most likely ALIVE !
You're Welcome. Live on !

03/25/2021

In Retirement..Some more advice that I posted to my old Insurance Agency. MANY people, with good driving records, understand the necessity in carrying high Liability limits to protect their assets and income. Carrying high limits on Uninsured Motorist Coverage is extremely important. The likelyhood of a good driver being hit by a poor driver with low Liability Limits is very high. Your protection from that party is that UMC. If you buy an Umbrella Policy, that extends your liability higher, make sure it INCREASES your Uninsured Motorist Coverage TOO. !