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Personal Insurance FAQ

As an independent insurance agency in Roanoke, Virginia, Dominion Risk Advisors offers a broad array of personal insurance (often referred to as private insurance of family insurance).  Here are some of the key personal insurance policies:

  • Homeowners insurance – protection for your home, contents and personal liability
  • Automobile or Auto insurance – protection for the liability of operation a car and for direct damage to the vehicle
  • Personal Umbrella or Excess Policy – this provides additional liability protection.
  • Package insurance – we provide the greatest value when clients earn multi-policy discounts. You will get the greatest value when you combine home, auto, umbrella and other types of insurance
  • Valuable Articles insurance – this is extra coverage for jewelry, fine arts, collectibles, antiques, sterling silver, firearms and more
  • Boat insurance including yachts and personal watercraft insurance
  • Antique autos and classic vehicles
  • RV’s, ATV’s, UTV’s, and other recreational vehicles
  • Life insurance
  • As an independent agency, we can approach as many as 15 carriers on your behalf.
  • We shop for the best value for our clients. We define value by looking for broad coverage at a competitive premium.
  • We have the ability to compete with national carriers on coverage and pricing while providing you with local service and a commitment to the community.
  • We will review your current homeowners and automobile insurance policies and make recommendations that may broaden your coverage and / or reduce your costs.
  • We begin the renewal process early and ask you about changes that you may need to make.
  • We review renewal quotes and policies to ensure no significant changes.
  • We search for the rates and coverages of multiple insurance companies at one time.
  • We have access to safety information for you and your home. We share much of that through our blog, but we can help you find home safety information for a host of issues.
  • We ask that you complete the questionnaire that is linked here – DRA Personal Insurance Application (Insert Link)
  • Please send us a copy of your current policies.
  • We may have a few questions, but once we have the information, we will shop for the best coverage and premiums.
  • We will present a proposal to you which we think is much more than a “quote.”
  • If you choose to hire us, we will send you the following documents:
  • A copy of your application
  • Evidence of insurance to your lender
  • A simple form for you to sign and send to your current carrier or agent advising them that you want to make a switch.
  • You should work with an agent that thoughtfully evaluates the coverage and pricing.
  • The agent should put the best interest of the policyholder first.
  • The agent should be responsive, candid, and fair.
  • It is best if the agent represents a number of high-quality insurance carriers.
  • Dominion Risk Advisors has each of those attributes.
  • This can be an easy process.
  • If you have the information noted above, we can move your insurance in a matter of hours to days.

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