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Burgess Demarco & Flick Insurance
Best Protection At The Lowest Possible Cost. Call Us Today!
GEICO Insurance Agent
You Could Save 15% Or More On Car Insurance.? Talk to an Agent Today.
Business Profile
Joel Stover - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Lew Thompson - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Brian Evans - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Chance Miller - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Dan Presley - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Lesley Owens - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Todd Selkirk - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Ellis Redford - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Roanoke area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
MAP
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
MAP
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR ROANOKE
Mike Bailey Insurance Agency
1 review: *****
7307 Williamson Rd Ste B, Roanoke, VA 24019
(540) 366-8829 Write review for this local business

"I was with this insurance for 15+ years. There were little to no claims made in the first 12 years. The last couple of years we hit a 'rough patch, however the last 1 1/2 years there have been no vio ..."
Brian Noegel's Blue Ridge Insurance Write review for this local business
111B Hexham Dr, Lynchburg, VA 24502
(434) 237-7770  
If you are searching for someone to handle your insurance needs, then contact us today. Our agents offer a long list of products, including automobile, home, dental, flood, accident, and more.
Larry Snow Insurance Services, Inc.
1 review: *****
608 W Stuart Dr, Hillsville, VA 24343
(276) 728-2312 Write review for this local business
Serving Southwest Virginia. We specialize in providing retirement planning, Medicare Supplements, Medicare Advantage, Life Insurance, and Annuities. We can assist with 401(k), IRA, & CD rollovers.

"Mr Snow helped me save $1000 per year on my medicare supplement premiums. Thanks so much! ..."
Benefits Group Inc Write review for this local business
15 S Jefferson St, Roanoke, VA 24011
(540) 344-0803  
D & S Life Agency Inc Write review for this local business
1414 Franklin Rd SW Ste 2, Roanoke, VA 24016
(540) 343-7855  
The Viar Group Write review for this local business
358 Campbell Ave SW, Roanoke, VA 24016
(540) 345-1559  
Denison Insurance Agency Write review for this local business
358 Campbell Ave SW, Roanoke, VA 24016
(540) 344-6828  
Scott Insurance Write review for this local business
30 Franklin Rd SW Ste 700, Roanoke, VA 24011
(540) 343-8071  
Randy Lower Ins Write review for this local business
1234 Maple Ave SW, Roanoke, VA 24016
(540) 981-1124  
F Courtney Hoge CLU Chfc Write review for this local business
32 Franklin Rd SW, Roanoke, VA 24011
(540) 345-5782  
Snyder Ellsworth G Write review for this local business
1318 Clarke Ave SW, Roanoke, VA 24016
(540) 342-6222  
Blue Cross & Blue Shield Write review for this local business
602 S Jefferson St, Roanoke, VA 24011
(540) 853-5000  
Rutherford Thomas Inc Write review for this local business
1 S Jefferson St, Roanoke, VA 24011
(540) 982-3511  
Michie Agency Write review for this local business
1016 2nd St SW, Roanoke, VA 24016
(540) 989-8922  
Scott Insurance Write review for this local business
10 Franklin Rd SE Ste 550, Roanoke, VA 24011
(540) 343-8071  
Walter LLC Write review for this local business
11 S Jefferson St, Roanoke, VA 24011
(540) 985-5135  
AAA of Virginia Write review for this local business
317 Kimball Ave NE, Roanoke, VA 24016
(540) 463-3915  
Futrell Steve Write review for this local business
10 S Jefferson St Ste 1200, Roanoke, VA 24011
(540) 983-7102  
Virginia Farm Bureau Claims Write review for this local business
1422 Grandin Rd SW, Roanoke, VA 24015
(540) 342-9486  
Banks Insurance Agency, Inc. Write review for this local business
2715 Brambleton Ave SW, Roanoke, VA 24015
(540) 776-6401  
Old Dominion Insurance Group Inc Write review for this local business
2728 Colonial Ave SW Ste 102, Roanoke, VA 24015
(540) 345-9930  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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