New Insurances Laws & Minimum Liability
A lot of our clients are asking about the new insurance law and minimum liability limits. As of January 1st, the minimum required liability limits for auto insurance have increased from $25,000 per person/$50,000 per accident to $30,000 per person/$60,000 per...
RV-friendly routes!
A few weeks back, we visited our friends who had their RV at Kiptopeke State Park. It was amazing! Two campers down, a person was playing the accordion – yes, an accordion. Our son, a fan of all things music, had never witnessed this before. Next to the...
Why buy life insurance?
Have you ever wondered, “why should I buy life insurance” or “can I even afford it?” If so, you’re in the right place. In 2020, according to a LIMRA Insurance Barometer study, only 54% of all people in the United States were covered by some type of life insurance....
What to look for in a personal or commercial insurance agent
At Knight Magee Insurance, we build relationships with our clients. It’s our purpose! What does that mean exactly? It means we want to earn your trust. We are always respectful.We are consultative.We offer peace of mind.We stay connected with our...
High-Net-Worth Insurance
High-net-worth individuals and families face unique insurance challenges. At Knight Magee Insurance, we specialize in policies designed to cater to individuals who own high-value homes, jewelry, wine, and other collections. We have partnered with premium insurance...
Upcoming Risk Rating Change – FEMA Flood
FEMA is updating their risk rating approach and implementing a new pricing structure called Risk Rating 2.0. New policies beginning October 1, 2021, will be subject to the new rating structure. For policies renewing on or after April 1, 2022, they too will be subject...
Why did the cost to cover my home go up this year?
Various factors can impact your home insurance premium. Here are some areas where we commonly see changes: Reconstruction Cost Building material costs have soared across the U.S. At Knight Magee Insurance and agencies all over the U.S., [RP1] insureds...
Identity theft and why you should protect yourself
Did you know? 31% of homeowners have had their personal information lost or stolen1 in 5 homeowners have been victims of online fraud37% have experienced a virus, hacking incident or other cyber attack At Knight Magee Insurance, we can add coverage to your policy for...
Trampolines: Are they covered by home insurance?
Trampolines can be fun, but they can be dangerous too. Trust me, I know all too well considering I broke my ankle on one just a week before my wedding. 😊 I am never going to live that one down. If you are considering buying a trampoline, first check...
Home Security is Easier — and Better — Than Ever
Think home security in RVA is still about bulky camera equipment and wires running all throughout your home? Think again. Today, things have changed quite a bit, and the playing field has been leveled. Advanced tools and security systems are more accessible...
3 Easy Ways to Reduce the Risk of a Car Crash
Spring is here, and the warmer weather often prompts people in RVA to hop in their cars for weekend (or longer) road trips. Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face...
5 Tips to Plan the Best RV Route
It’s Springtime – prime RV season in Virginia. But, even if you know where you want to go, do you know how to get there? After all, driving an RV is a little different than simply hopping in your car, so we here at Knight Magee Insurance together some tips to help...
Stop Wasting Energy — and Money — This Winter
Are you tired of high utility bills landing in your mailbox in RVA? Not sure how to lower those bills without turning your heat way down or taking cold showers? We at Knight Magee Insurance can help. Nearly 70 percent of the average home’s energy use falls into...
Should You Be Worried About Your Appliance Hoses?
There’s a ticking time bomb in your RVA house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage. We here at Knight Magee Insurance are talking about faulty...
How to Secure Your Campsite.
Going Camping? Keep Your High-Tech Gear Safe With These Tips. First things first: Do you really need to bring your tablet or laptop on your camping trip in Virginia? Are you really going to watch a movie instead of looking at the stars? Check your email instead of...
How to Cut Road Trip Costs
4 Tips to Help Cut Road Trip Costs. There’s no better way to see the country than a road trip, and it’s also the way to travel if you’re looking to keep costs under control. To that end, here are a few ideas to help ensure you have a frugal good time out there on the...
Kayak Insurance: Can you insure your kayak?
My family loves kayaking on the Eastern Shore. Our 8-year-old son even tags along with his own kayak. After hours on the water, I sometimes have to tow him back to shore. 😊 We see a lot of different kayaks along the Eastern Shore and into Virginia Beach. I am...
Jewelry Appraisals
Homeowner’s policies typically only cover valuable items such as jewelry and watches up to a specific amount. For example, if your limit is $5,000, but you have a $15,000 diamond ring, you would be on the hook for an extra $10,000 to replace it. There might be other...
What does state minimum limits of liability mean?
When you select state minimum limits on your auto insurance, this means you are only protected up to the following limits in an at fault accident: $25,000 per person $50,000 total limit per accident$20,000 for property damage Often, if you have selected state...
What does Liability ONLY really mean?
Recently, a client asked, “shouldn’t I drop my coverage to liability only now that my cars paid off?” The short answer, “not necessarily.” Often when you opt for liability only it means the following: In some cases you lose roadside coverage.You have no glass...
Insurance Terms, Explained.
Med Pay? PIP? Dec pages? Insurance terms, explained With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents...
Easy to Forget Cleaning Projects
As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category....
How to Lower Your Auto Insurance Bill
It’s easy to lower your insurance costs — especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad campaigns to convince you to “switch and save” — but...
Do You Need Umbrella Insurance?
One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be...
14 Fascinating Facts about February
February is the shortest month of the year (even in leap years, when it has 29 days instead of 28), but there's no shortage of interesting facts about it. From weird holidays to astronomical oddities, this month has a bit of everything. So with a nod to what February...
Want a Safer Home? Consider these Inexpensive Fixes.
Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can handle to make your home safer – whether you’re...
4 Things to Know About Taxes and Identity Theft
In 2014, almost 18 million people in the U.S. were victims of identity theft. Two-thirds of them said they suffered a direct financial loss because of it, according to the Bureau of Justice Statistics (BJS). During tax season, your personal information is particularly...
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...
4 Ways to Help Pets Through Severe Weather
4 Ways to Help Pets Through Severe Weather You’ve got an emergency plan for your family in case extreme weather or a natural disaster in RVA forces you to live without power, or worse, evacuate your home. (If not, learn how to create one at Ready.gov/make-a-plan.)...
5 Ways to Avoid Parking Lot Fender Benders in RVA
5 Ways to Avoid Parking Lot Fender Benders in RVA Parking lots in RVA – we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking lot behavior. That behavior...
Update your Home without Emptying Your Wallet
Update Your Home Without Emptying Your Wallet Quick, easy, inexpensive – whoever thought those adjectives could apply to home improvement projects in RVA}? But, they can! To spruce up your home on a budget, check out these five ideas for projects that yield maximum...
How Efficiently (or Inefficiently) Do You Use Your Heat?
How Efficiently (or Inefficiently) Do You Use Your Heat? Many homeowners in RVA see their energy bills each winter and think, “How can I be spending this much when the house isn’t even that warm?” To get an answer to that question, you should start with some other...
Don’t Let the Cold Get to Your Pipes This Winter
It’s hard to think of a worse start to a winter day in RVA than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart tips to help you prevent or address what could easily become...
Holiday Safety Tips for RVA Pets
Holiday Safety Tips for RVA Pets The holidays have arrived in RVA! For those with one or more four-legged friends in the house, it’s time to go over some safety tips. After all, you want all of your family members to enjoy the festivities – even the furry...
5 Tips to Help Prevent Christmas Tree Fires
5 Tips to Help Prevent Christmas Tree Fires Christmas trees are a beloved holiday tradition in RVA, but they can pose a fire risk. On average, says the National Fire Protection Association, fire departments across the country respond to more than 200 blazes related to...
Give Your Budget a Break This Holiday Season
Give Your Budget a Break This Holiday Season If you’re like many people in RVA you breathe a sigh of relief once the holidays are over. Until you get your credit card statement, that is. From buying gifts to traveling to entertaining, holiday expenses add up quickly —...
5 Dos and Don’ts for Black Friday
5 Dos and Don’ts for Black Friday Okay, admit it. Have you ever let things get just a little out of control on Black Friday? Maybe you lost your patience in the parking lot. Or, perhaps you were less cordial than usual with store employees. Hey, it’s a stressful day,...
5 Tips for Deep Frying a Turkey This Thanksgiving
5 Tips for Deep Frying a Turkey This Thanksgiving Those in RVA who have tasted deep-fried turkey usually say there’s simply no comparison to an oven-roasted bird — turkey out of the fryer is moist, with crispy skin and a beautiful color. And, it cooks much more...
Top 10 ways to honor a veteran on Veterans Day
Americans celebrate Memorial Day in the spring and Veterans Day in the fall. While it can be easy to confuse the two holidays, Memorial Day is set aside to honor American’s war dead; Veterans Day is intended to honor the service of all U.S. veterans, both living and...
5 Questions to Ask if You Keep Guns in Your Home
5 Questions to Ask if You Keep Guns in Your Home There are an estimated 300 million firearms in U.S. homes. And, with a lot of guns comes the potential for a lot of gun-related accidents. So, ask yourself these questions to help prevent your household in RVA from...
10 Things to Do to Prepare Your Home for Fall
Fall home maintenance tips 10 Things to Do to Prepare Your Home for Fall Fall is a wonderful time in RVA — if your home is ready for it. Yes, this is the time of year to fix small problems before they become big, and big ones before they become catastrophic. Here are...
Avoiding Deadly Distractions Behind the Wheel
Avoid Deadly Distractions Behind the Wheel Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting requires visual, manual and cognitive attention – the same...
Need to File a Claim? Email Us!
Skip the hold times, email us at claims@https://knightmageeinsurance.com with the following: Name Address Phone Number Description of loss We will report the claim for you or follow-up with additional questions via email or phone. Please know if you have a tree down...
How Much Life Insurance is Enough?
How Much Life Insurance is Enough? Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that...
COVID-19 Carrier Specific Premium Relief
With millions under stay-at-home orders and working remotely, American roadways are seeing a lot less congestion and accidents. This means less risk of insurance companies and many carriers are taking note. However, refund programs vary widely from insurer to...
New look. Same great service.
Welcome to the new and improved https://knightmageeinsurance.com! Sierra and I hope you will take a look around and let us know how we can help you. We have provided more information to better inform and assist you in solving your insurance needs. With improved...