Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto and Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto and Homeowners Insurance Information
Buying a car is one of the most expensive purchases you make. Making sure you have proper auto insurance coverage is essential in assuring you have the right protection for your car in the case of an accident.
Contact Matt Roenker Insurance Agency for all your auto insurance needs. We are proudly serving Virginia Beach, and the surrounding areas.
What is auto insurance?
Auto insurance assists you financially in covering vehicle damage costs in the unfortunate case of an accident. It is a paid agreement between you and your insurance provider. After filing a claim following an accident, your provider will step in and assist you in covering significant damage costs depending on what you are responsible for.
What do auto policies cover?
Virginia requires the following minimum liability coverage:
Bodily injury/death of one person $25,000
Bodily injury/death of two or more persons $50,000
Property damage $20,000
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance:Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage:Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance:Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage. Contact your agent about including these protections in your coverage.
Why do you need car insurance?
You are required to have at least some type of auto insurance policy in most areas. However, settling for the bare minimum coverage just to have it can jeopardize the future of you and your vehicle. It’s important to get adequate coverage to assure the safety of your future in the case of an accident. We will help you in finding the best policy for you and your specific scenario.
Questions to ask your agent
Our knowledgeable agents are here to guide you in choosing the best coverage through a variety of sources and expertise, as well as continuous support and advice.
Here are some things to consider as you select your coverage:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Contact us at 757-671-1111 or request an online quote to determine the best auto insurance policy for you and your vehicle.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)