Charlottesville Auto Insurance blog - Quotes for Car Insurance in Virginia - Homeowners

Happy Holidays from Harper's Insurance Agency ! Our team had a great time exploring Boar's Head Resort Winter Wander . Thanks to Camryn Limousine for getting us there in style Visit us at https://agents.allstate.com/daniel-harper-charlottesville-va-10751886.html  or call 434-293-2886 

Allstate Agent Daniel Harper & Cat Harper Get to know our Allstate agency in Charlottesville VA. Our family has worked closely with Allstate for over 38 years. Call today or visit our website for a hassle-free auto insurance quote .  

Meet our team! See everyone's personal bio over on our website - December has been a great first month for our second agency. We hosted a grand opening and gave away a hot air balloon ride in our grand prize drawing! We're incredibly grateful for all of our community partner's who donated and participated in making our first month a big success.

Great insurance tips for homeowners in Charlottesville VA - you will find info and links below to helpful information on preparing and knowing about your home insurance coverage. Severe weather can devastate your vehicles, property, and belongings. Take steps to protect and preserve the things that matter most. Stay alert and aware of changing weather patterns. Storms can vary in intensity and change with little notice.  Be familiar with your insurance coverage, deductibles, and steps following a loss. Get your agent's information handy and stored in your cell phone.  Take inventory of your belongings, take photos, and record important things like serial numbers or makes/models.  Fill up your vehicle's fuel before the weather arrives.  Pick up an extra tank of gas for your grill in case of extended power outages. It can help as a heat source for cooking.  Make sure downspouts and gutters are clear of pollen and debris.  ...

Pretty sunrise this morning over Hollymead Lake . Layla the Insurance dog was out enjoying her morning patrol of the yard. Happy St. Patricks Day!

New posters arrived at the office! Hitting a Deer is Mayhem! We'll post a few more in the coming days. You can see a few more pics like this if you head over to our Instagram This week we had the opportunity to serve our insureds in a time of need. The storms from last week were pretty severe across Virginia .    Dominion Power ranked it in the top 5 most dangerous storms. The debris is being picked up, the homes and cars are being put back together. We are proud to represent a company who shows up to support their customers. Watching our catastrophe team at work this past week only adds reassurance that we deliver when disaster strikes. Some parts of Charlottesville & Albemarle County got more wind than others, but from my perspective, it was pretty wide-spread across the state and beyond. My son riding front row on King's Dominion's Intimidator 305 Spring is right around the corner, and hopefully, we'll get a break from any severe ...

Breaking Down Car Insurance Terms and What They Mean: Bodily Injury Liability: Bodily Injury (B.I) is a coverage that is required by law in most states. If you cause an auto accident that injures someone else, your B.I helps pay for their medical expenses and loss of wages due to their injury. This can also help pay for legal fees if you're sued. Property Damage: Will help you pay for damage caused to someone else's belongings. Examples would include another vehicle, mail-box, or guard-rail. Medical Expense: Can help you or passengers in your vehicle pay medical bills & funeral expense if hurt in a car accident. Collision Coverage: Can help you pay to replace or repair your vehicle if it's damage from a collision with another vehicle. It also covers coming in contact with an object, or single vehicle crashes that involve rolling or falling over. In most collision claims you are in the vehicle operating it. Comprehensive Coverage: This coverage is offered to protect d...

Steve Harper - President Harper's Insurance - Allstate 1532 Insurance Ln Charlottesville, VA 22911 434-974-9762  DANIEL HARPER EARNS FSCP® FINANCIAL SERVICES CERTIFIED PROFESSIONAL DESIGNATION Charlottesville, VA - 12/12/2017 - Daniel Harper with Harper's Insurance Allstate has earned the Financial Services Certified Professional designation from The American College of Financial Services, located in Bryn Mawr, Pennsylvania. The FSCP®  program provides product and skills training as the foundation for career-long learning and helps advisors and agents succeed in their careers.  Candidates for the FSCP®  designation must complete a designation exam as well as a series of individual course or module exams to earn the right to use this mark. Designees must also agree to adhere to continuing education and ethics requirements. Candidates learn a wide range of topics, with curriculum addressing such concepts as product solutions, ethics and practice standards, availa...

It's commonplace now to be able to get an auto insurance quote and establish a policy in 15 minutes or less. But is that what we should really be doing? Is it sound advise to recommend only dedicating 15 minutes to protecting your assets and family from unfortunate circumstances? As an insurance professional, I have the opportunity to review many of my clients previous coverage, or proposals encouraging them to switch. Often it seems like even the "apples to apples" comparisons aren't quite what they seem. It's very common that I uncover other things like accident forgiveness, guaranteed renewal, vanishing deductibles, that aren't quite represented fairly. Trusted advisors are few and far between. Replaced by automated systems, telemarketers, and strategic advertising. Some of the uneven comparisons I'm sure happen unintentionally, but there is also something to be said for a knowledgeable professional that can look for these things & present your...

I remember the day I was legally able to receive the rights to my driver's license at the DMV.  It was a landmark that allowed some freedom, but also opened brand new doors to a lot of responsibility for myself and parents. I grew up in an insurance household with an experienced Allstate agent as a father. As a teen I can remember him being nervous about me driving in the beginning without any supervision. Now as an adult and insurance agent myself, I can relate to him and understand why it was such a “big deal” at the time. Not only was I taking responsibility for myself and the vehicle every time I ventured down the road, but at the same time I was sharing risk with my mother & father. If I was to cause an accident or have any type of mishap the blame did not only fall on my shoulders. The burden of responsibility was also carried by my folks because I was driving their vehicle. If someone was to be injured it could have put their assets, and hard earned livelihood...

Why 20-30 year old's NEED life insurance:  written by Daniel Harper : 4/30/12 I took a lot of time when creating this blog article. (My first by the way).  I have learned a lot in my journey towards bettering my knowledge of insurance & the products that I deliver & work with on a daily basis. Let’s stop right here and just get it out there… Insurance is NOT the most fun topic around the dinner table. A lot of insurance can be considered to be a lot like the boogeyman . I talk daily about the “what if’s” and all of the different possibilities that COULD happen to us. In most cases, we will hopefully never experience any of the purposed situations, but what if… it DID happen? I wish I could say that I have never experienced a client calling me back and letting me know about an unfortunate situation while being an Allstate agent. The truth is , it does happen. I know first hand the financial hardship that it can cause. (Small example:  I hit a deer last...