Monthly Archives: December 2016

10 (Last Minute) Holiday Tips to Keep You Safe

The holidays are here – and it’s about that time to visit with family and friends, exchange gifts and enjoy all the spirit and festivity of the season. But, as with any disruption to the regular routine, the “most wonderful time of the year” comes with its own caveats. Whether you’re traveling or planning to stay close to home for the holidays, consider these 10 tips to ensure your seasonal celebrations are safe and secure. From pointers for protecting your home while you’re away to talking politics with family at the dinner table, here’s how you can avoid filing a claim on your insurance policy while you’re making merry and bright.

    1. Don’t post your plans.
      While it’s tempting to check-in and share your excitement about travel online, be careful about what you’re putting out there for anyone to see. Manage your security settings to restrict who sees your social posts, and keep your comings and goings out of the hands of strangers who can track when you’re not home.
    2. Let your neighbor know.
      If you’re headed out of town for the holidays, have someone check up on your home while you’re away. Water damage is one of the worst kinds of enemies for a homeowner, so a friend or neighbor can pop by periodically to confirm everything is in good working order. While the event of an emergency is highly unlikely, it’s also handy to have someone who can collect your mail so it doesn’t pile up out front.
    3. Secure your stuff.
      When it comes to your valuables, it’s always a smart idea to keep your prized possessions somewhere secure. Your insurance policy may include fine jewelry or any number of expensive items. Utilize a fireproof safe tucked away in your bedroom for peace of mind while you’re out of town.
    4. Lock up and leave a light on.
      This one should be a no-brainer, but do double-check that you’ve secured all the locks in your home when you leave. (As a rule of thumb, it’s wise to put this into practice with your car as well to prevent auto theft.) Lock all doors – and don’t forget about the windows. After you lock up, leave a light on so that your home is never pitch-black. Ideally, you can set a timer on this light to reduce the risk of fire and give your home the appearance of activity.
    5. Light the way with LED.
      And speaking of leaving on a light, make a switch over to LED lighting. Even if you’re staying home, now’s the time to replace incandescent light bulbs with LED lighting. Create the perfect festive ambiance complete with LED-lit flickering candles and holiday lights while consuming less electricity and putting off less heat. Because the LED bulb is cooler, you greatly reduce the risk of fire – so go ahead and get your home on your neighborhood’s Tacky Light Tour!
    6. Don’t toy with small parts.
      When shopping for little ones, be sure to heed advisories about age-appropriate toys. Toddlers especially are likely to explore the world by taste, so you don’t want to purchase items with small parts. Read the packaging before you buy, and stay away from coin lithium batteries if you can.
    7. Let’s talk turkey.
      If you search YouTube for clips of turkey fryers, you’re likely to come across some fiery explosions that surely resulted in an ER visit. Keep yourself and your loved ones out of the hospital this holiday season by being extra careful while cooking. If you do opt to use a turkey fryer, keep a fire extinguisher at the ready and follow all instructions diligently.
    8. Drive responsibly.
      Tis the season to eat, drink and be merry. Just make sure you have a designated driver if you’re ringing in the New Year in a public place. Traffic tends to be more congested this time of year, so be mindful in the car and expect delays when you hit the road. Never text and drive.
    9. Be polite about politics.
      Hopefully dinner conversation won’t lead to filing a claim on your insurance policy, but 2016 was a divisive year in politics. If possible, stay off any controversial subjects that might disrupt the flow of good food and great company. If you do decide to go there, proceed with caution, respect the opinions of others, and present your views politely. (It only makes your argument stronger, anyway.)
    10. Call us if you need anything.
      As your insurance company, we’re here if you need us. Feel free to give us a call if you need assistance with your home, car or other insurance policies. Or, visit our Customer Care Center where you can access your insurance company’s claims department.

We wish you and your family a safe, happy, and healthy holiday season!

Referrals for a Cause

Referrals for a Cause

We are excited to kick off our referral program, Referrals for a Cause. As a small business, we value the power of community, so we are launching a referral program that gives back - in your name, not ours! It's our way of saying thank you and sharing in what matters to you.

Simply refer a household or business and we’ll donate $10 on your behalf to one of the following local Richmond charities.


  1. Have your referral contact us and request and receive a quote
  2. We will contact you directly for your choice of charity
  3. We will make the $10 donation in your name
  4. We hope you will make a direct donation, too. Click the Donate more buttons below.



Health Brigade (formerly Fan Free Clinic)

Health Brigade provides quality health services, especially to those least served, in a compassionate and non-judgmental environment. They are proud to be an inclusive organization and they do not discriminate in hiring practices, services or policy with regard to sex, race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, citizenship, pregnancy or maternity, veteran status, or any other status protected by applicable national, federal, state or local law.



CARITAS helps our most vulnerable neighbors break the cycles of addiction and homelessness to reclaim their dignity. They provide effective, permanent solutions to individuals and families in the Metro Richmond area.



FeedMore is Central Virginia’s core hunger-relief organization comprised of programs like the Central Virginia Food Bank, Meals on Wheels, the Mobile Pantry and Kids Cafe. Spanning nearly one-third of the state, across 34 counties and cities, FeedMore serves more than 200,000 individuals in the region’s most vulnerable populations – children, families and seniors.

Meals on Wheels

Meals on Wheels is focused on individuals who have no reliable means for maintaining a healthy diet. The Meals on Wheels program helps keep homebound seniors independent and in their own homes for as long as possible.

Meals on Wheels reduces isolation and reassures and comforts families who live far from loved ones, providing recipients with a friendly smile and that important safety check, making the program extend far beyond the meal. Pet food is also delivered monthly for clients with dogs or cats.


ART 180

ART 180 creates and provides art-related programs for young people living in challenging circumstances, encouraging personal and community change through self-expression. Based in Richmond, Art 180 partners with other nonprofit organizations in order to serve youth, ages 8 to 18.

ART 180 also operates an art center for teens, called Atlas, in the Downtown Arts & Culture District. Through their programs, youth discover ways they can positively engage in and influence their surroundings.


Sanctuary Rescue

Sanctuary Rescue is a small, foster-based dog rescue located in Midlothian, Virginia. They consist of dedicated animal lovers who open their homes to foster those that have been left behind. They pull dogs from high-kill shelters where they would otherwise not stand a chance. Sanctuary Rescue specializes in pregnant and nursing mothers, orphans and neonates who are especially vulnerable in shelters.

Sanctuary Rescue isn't just any rescue. They provide high-quality care for each and every dog they take in.




  • All are 501(c)3 organizations, so you will receive a tax deductible receipt to include in your tax return.
  • The referral you provide must receive a quote, but they are not required to make a purchase.
  • There is no limit to how many referrals you can send our way!

Request Quote