Helpful Hints Archives - Knight Magee Insurance

Category Archives: Helpful Hints

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Damage to Property from Riots or Civil Disorders

DAMAGE TO PROPERTY
FROM RIOTS OR CIVIL DISORDERS

People are human beings with so much more uniting us than dividing us. People have human personalities. As Martin Luther King once said: “When we value the human personality, we won't kill anybody.” He also said: “Injustice anywhere is a threat to justice everywhere. I have decided to stick with love; hate is too great a burden to bear.”

Many of our clients are concerned about damage to their property from the recent protests that have led to riots or civil disorders. Unfortunately, sometimes even a harmless gathering can turn into looting, vandalism, and fires leading to thousands of dollars in damage. There are coverages available to protect homes, businesses, and vehicles from most forms of civil commotion. It is automatically part of your personal auto or home insurance and depending on the selections made under your business insurance may also be included.

Auto Insurance:
Damage to cars would be covered under optional comprehensive coverage on your auto policy. Comprehensive provides coverage for damage to your vehicle caused by fire, falling objects, vandalism, or riot. If you do not carry separate glass coverage, damage to your windshield if shattered or cracked also falls under comprehensive.

Homeowners Insurance:
A standard homeowner’s policy will provide coverage for damage to property caused by fire, explosion, vandalism, malicious mischief, and riot or civil commotion. This includes both damage to personal property and damage to the structure.
Additional living expense provides coverage if you cannot live at your home while it undergoes repairs from a covered loss.

Business Insurance:
For those who own and insure their building under a Business Owners Policy (aka BOP), there is coverage for losses caused by fire, riots, civil commotion or vandalism. However, coverage for glass windows is often sold separately.

For those who carry business personal property coverage, business personal property would also be covered, as well as loss of income (aka business interruption) for those forced to suspend operations due to a direct physical loss at the premises.

A “civil authority provision” in a business policy provides coverage for lost income and extra expenses in the event the police or fire department bars access to a specific area as a result of the danger caused by a riot or civil commotion.

Please contact us if you have any questions regarding the coverage or benefits of your policy. We are here to help however we can!


Summer Kid’s Activities

Category : General , Helpful Hints

 Summer Kid Activities

 Summer’s Coming – What to Do With the Kids?

 It’s the age-old question that parents in RVA face every year: How do we keep the kids occupied this summer?

Well, there are always the biggies, such as theme parks or camping. But, with work and other obligations getting in the way, not to mention your budget, you can’t always get away from home. So, we here at Knight Magee Insurance have compiled a list of some activities that are both educational and fun — and that your kids are sure to enjoy!

Art Projects
There are a number of ways you can encourage the young artist in your family, from programs and offerings at local museums to do-it-yourself art projects. Try these ideas from The Artful Parent, a website focused on encouraging art and creativity in children:

  • Splatter painting: Spread an old sheet out in the yard, grab some watered-down acrylic paint and a brush or a spoon. Then, have your kids dip the brush or spoon and flick their wrist to splatter the paint! Try different colors and motions to make interesting patterns.
  • Body painting: Kids love to paint themselves! Washable, nontoxic tempera paint is just the ticket, and it comes off with soap and water.
  • Grape and toothpick sculptures: This is as easy as it sounds. Get a bowl of grapes and a box of toothpicks. The grapes hold their shapes well and are easily pierced by the toothpicks to create towers and other structures. And, when you’re done, you have a healthy snack!

 

Science Activities

 

Have a budding scientist around the house? Try these basic projects from PBS:

  • Grow something. Having your kids grow flowers, herbs or vegetables creates a long-term learning activity that encourages monitoring and observation.
  • Cook something. Working together in the kitchen invites all kinds of questions: What does baking soda do? Why is gelatin such a weird consistency? How do ingredients interact?
  • Get outside. The outdoors is full of things for kids to examine — plants, worms, frogs, bugs and more! Even running through the sprinkler can be an educational opportunity, once the rainbow appears.
  • Stay up late ... and look up. A clear summer night is perfect for checking out stars and pointing out constellations. You can talk to your kids about the various planets, and maybe even catch a firefly or two.

 

Reading — It’s Not Just for School


Encouraging your kids to read over the summer can help them when school gets back in session, so don’t miss an opportunity. You can share the newspaper in the morning, or simply read the cereal box at breakfast. Even a few minutes a day can have a big impact.

You might also consider the Scholastic Summer Reading Challenge, a free online program for children from May 4 to September 4. Last year more than a million kids from 29 countries took part, and this year’s program features free book lists, a sweepstakes and the chance to set a world record.

Of course, there are thousands of things you can do with your kids in RVA over the course of the summer. If these ideas aren’t up your alley, consider summer camp, local music and sports programs or volunteering in the community.

Summer will be over before you know it, so make the most of it!

 

 

 


Knight Magee Insurance Company in Richmond Virginia

Why an Independent Insurance Agent?

Category : General , Helpful Hints

Knight Magee Insurance Company in Richmond Virginia

Why an Independent Agent?

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.

With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Knight Magee Insurance you get choices.

Why? Because independent insurance agencies, like Knight Magee Insurance, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Richmond community, and we’re committed to doing business face-to-face and being your advocate in times of need.

Serving RBA and the entire state of Virginia, here are a few reasons why Knight Magee Insurance should be your first and last top when looking for insurance.

  • We work for you when you have a claim.
  • We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
  • We are your consultants, working with you as you determine your needs.
  • We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
  • We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
  • We can periodically review your coverage to keep up with your changing insurance needs.
  • We are committed to customer satisfaction – it’s the key to our livelihood.
  • We treat you like a person, not a number.
  • We are licensed professionals with strong customer and community ties.

There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, please contact Knight Magee Insurance today. Give us a call today at 804-320-0129.

 


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