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 »
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 »
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
(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 »
If you’re a homeowner in Chesterfield County, you’ve probably heard this before: “You don’t need flood insurance unless you’re in a FEMA flood zone.” But here’s the truth—flooding can happen anywhere, and in recent years, it’s happened in places where residents never expected it. At Hoppy Insurance Agency, we’ve seen firsthand how misleading this myth
Do You Need Flood Insurance in Chesterfield County? Here’s What FEMA Maps Don’t Tell You Read More »
Running a small business in Chesterfield County is more than a job—it’s a commitment to your community. Whether you’re operating a coffee shop in Midlothian, contracting in Bon Air, managing a real estate office in Chester, or running a food truck at local events, your business is exposed to risks every day. From property damage
2025 Guide to Business Insurance in Chesterfield County, Virginia Read More »
Buying a home is one of the most exciting and important milestones in life. Whether you’re purchasing your first house in Midlothian, upgrading to a larger home near Bon Air, or relocating to a quiet neighborhood in Chester, closing on your new home in Chesterfield County should be a smooth and celebratory process. But here’s
