Home Insurance Archives - Knight Magee Insurance

Category Archives: Home Insurance

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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!


Prevent Water Damage in your Home - KMI Insurance

Prevent water from going where it shouldn’t

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home.

At Knight Magee Insurance, we know you want to protect what’s important. That’s why we’re offering these tips to help you prevent many of the most common causes of water damage.

Just a little time and some effort can prevent a lot of heartache and hassle.

  • Make sure your water pressure is not set too high. For just $6 or so, you can purchase a gauge that will help you test your pressure for the appropriate level, which should be set between 60 and 80 PSI.
  • Standard hoses on new appliances are not as durable as they used to be. So check your appliances. If they’re rubber, either replace them with longer lasting stainless steel braided hoses or replace them every three years.
  • Keep water from leaking into the walls or floor of your bathroom by replacing cracked tiles and re-grouting when it’s needed.
  • Examine the shingles on your roof. Worn, curled or missing shingles allow water in, so replace them as soon as noticed.
  • Consider buying a water alarm, which can help you find leaks, or automatic shut-off mechanisms, which can help avoid bursts.
  • A lot of water damage occurs when you and your family are away from home.  Make a practice to avoid running the washing machine or dishwasher while you’re out.
  • When you leave for vacations, turn off the water supply to appliances.
  • Keep up maintenance on all appliance hoses, because slow leaks from worn out hoses can cause major damage (and they are not covered under Homeowners insurance).

At Knight Magee Insurance, we hope these pointers will ensure your house stays nice and dry this year! 

Contact Us!

At Knight Magee Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 804-320-0129 or send us a note to myagent@kmicoverage.com.  We want to help you meet your goals, and make sure what’s important to you is protected!


Solar Panels

Solar Panels

What to Know Before You Go Solar
Solar panels can be economically and environmentally sound, and they’re more accessible than ever. According to one research firm, U.S. homes and businesses installed a new system every four minutes in 2013.

But, is solar power right for you here in RVA? To help you address the question, here are five things to think about before making the switch:

  1. The different options for installing a solar system. Oftentimes you don’t have to foot the full cost of going solar yourself. Instead, you may be able to lease a system from a company that installs and maintains it, or enter into an agreement where a third party actually owns the system and bills you (likely at a reduced rate) for electricity. Just keep in mind that installing and owning your own system may provide the best long-term return, and tax credits or rebates may help to lower upfront costs.

  2. Your current energy costs — and your future needs. Depending on your situation, you could have relatively low energy bills now and not be as motivated to pursue solar as someone with higher costs. But what does the future look like? If your family is growing, your energy costs are probably about to grow, too, and investing in solar might be worth your while.

  3. The power a system would generate. Have a reputable solar company measure the amount of sun your home gets, taking into account things such as shade, trees, etc., so you can make an informed decision about expected savings.

  4. What your homeowners policy says. With any improvement that increases the value of your home, you need to make sure your insurance policy reflects the change. Give us a call to see if your policy already covers solar panels. If it doesn’t, we can help you amend it.

  5. Your goals. Are you mainly looking to save money? Help the environment? Both? Knowing your goals will help you determine whether solar is the right choice for you, as well as which option makes the most sense. No matter what you choose, even considering solar means you’re thinking about energy a little differently. And that’s a good thing.


Renewable power – it can help protect your from rising energy costs and even power outages, not to mention the good it does for the environment. Just be sure to consider your options and all the costs involved before making the leap. Give us a call to learn more 804-320-0129 or email smagee@kmicoverage.com.


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