The Hidden Coverage That Can Make or Break a Rebuild in Chesterfield When most homeowners think about insurance, they think about repairing or replacing what’s been damaged—roof, walls, flooring, furniture. But what if you were required to upgrade your home because of a new building code or safety regulation? Would your insurance pay for those […]
What Is Ordinance or Law Coverage—And Why It Matters Read More »
A Step-by-Step Guide from Hoppy Insurance Agency Being involved in a car accident is one of the most stressful experiences a driver can face. Whether it’s a minor fender bender or a serious collision, your actions in the moments that follow can have a big impact on your safety, your finances, and your insurance. At
The Overlooked Protection Most Homeowners in Chesterfield Still Don’t Have It’s the kind of damage no one wants to deal with—sewage backing up into your home through the drains, toilets, or basement floor. It’s disgusting, destructive, and incredibly expensive to clean up. Unfortunately, many homeowners in Chesterfield assume this type of damage is covered by
What Chesterfield Homeowners Need to Know Before a Claim Happens Most homeowners assume that if their belongings are damaged in a covered event—like a fire, theft, or water leak—their insurance will pay to replace them. But that’s not always true. At Hoppy Insurance Agency, we regularly review policies that include a crucial detail many clients
Personal Property Replacement Cost vs. Actual Cash Value Read More »
What Virginia Drivers Need to Know About Auto Insurance Coverage Rules If you’ve ever let someone borrow your car—or borrowed someone else’s—you might wonder: whose insurance pays if there’s an accident? This is one of the most misunderstood aspects of auto insurance, especially for drivers in Virginia. At Hoppy Insurance Agency, we regularly answer questions
Protecting Your Home Means Understanding Which Deductible Applies If you’re a homeowner in Chesterfield County, Virginia, you probably know your home insurance policy includes a deductible. But what many people don’t realize is that you may have more than one deductible—and which one applies depends on what kind of storm caused the damage. At Hoppy
Hurricane vs. Wind Deductibles: What Chesterfield Homeowners Should Know Read More »
A Chesterfield Homeowner’s Guide to One of the Most Confusing Coverages Water is one of the most common causes of home insurance claims—and one of the most misunderstood. As a homeowner in Chesterfield County, you may assume that any kind of water damage is automatically covered by your home insurance. But unfortunately, that’s not always
Water Damage Coverage: What’s Included—and What’s Not—in Your Virginia Home Insurance Read More »
A Chesterfield Homeowner’s Guide to Understanding the Most Common Deductible in Home Insurance If you’re a homeowner in Chesterfield County, Virginia, you probably have a home insurance policy in place to protect your biggest investment. But if you’ve ever had to file a claim—or even just reviewed your declarations page—you’ve likely seen a line that
What Parents Need to Know Before Handing Over the Keys Back-to-school season in Chesterfield County brings a familiar mix of excitement, routine, and maybe a few nerves—especially if your teenager is starting to drive. Whether your teen just got their learner’s permit or is heading off to high school in their first car, this milestone
Back to School in Chesterfield: Auto Insurance Tips for Teen Drivers Read More »
(And How to Start Saving Today) If you’re a homeowner or driver in Chesterfield County, you’re probably looking for ways to save on your insurance—especially with rising costs across Virginia. But here’s the good news: most people are leaving money on the table without even realizing it. At Hoppy Insurance Agency, we help local families,
The Best Insurance Discounts Most Chesterfield Residents Don’t Know About Read More »
