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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 […]

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

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

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

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

Living in Chesterfield County, Virginia offers a little bit of everything—historic neighborhoods, family-friendly suburbs, and quick access to both the city of Richmond and natural getaways like Pocahontas State Park. But with our diverse seasons comes a real mix of weather risks that can impact your home—and your home insurance rates. If you’re a homeowner

Chesterfield County is a fantastic place to call home, offering a blend of suburban comfort, historic charm, and modern amenities. Whether you’re a first-time homebuyer, looking to upgrade, or considering an investment property, understanding the local housing market and insurance requirements is essential. Let’s dive into what you need to know before making your move.