Homeowners insurance can safeguard your home and property from such hazards as fire, storms, vandalism, theft, etc. Before purchasing a policy, you should review coverage to ensure you’re getting the kind of protection you need.

Homeowners insurance generally covers water backup damage caused by sewer or drain problems if the problem originates on your premises. An example of this would be a drain blockage from a toilet or shower in your house that overflows onto your property.

To obtain protection from water backup damage caused by sources off your premises, such as a sump overflow, you would need to purchase an endorsement policy. Protection against flood damage would require purchasing flood insurance as this is not covered by either your homeowners or endorsement policy.

By discussing coverage options with your agent, you can obtain adequate coverage to meet your particular needs. PMA Insurnce Services Inc. offers homeowners insurance coverage from such top insurers as Progressive, Travelers, Hartford, Metlife, Allied, Safeco and Kemper Preferred. Learn more about coverage options and get a homeowners insurance quote today by contacting any one of our insurance specialists at  PMA Insurance Services in Chantilly, VA. Call us at (703) 449-1327. 

Independent insurance agents are able to connect you with the insurance offerings of many companies, thereby getting you the best deal and the best coverage possible. An independent agent will be able to take care of all of your insurance needs, from home insurance to automobile insurance.

1. Independent agents don’t need to sell you on products.

Independent agents can look at the offerings of Safeco, Kemper Preferred, Progressive and more to find you the best deals for you, rather than trying to sell you on a specific type of insurance.

2. Independent agents are more knowledgeable than others.

Independent agents know about the product offerings at MetLife, Travelers, Hartford, Dairyland and more. Thus, they can give you a larger selection.

3. Independent agents have everything you need.

Rather than have to go to Allied for one type of insurance and GMAC for another, you can simply get all of the insurance types you need through a single agent. You can then use this agent as your main point of contact from then on.

For more information about the value of an independent insurance agent, and to get a quote today, contact PMA Insurance Services, LLC in Chantilly, VA.

 Homeowners insurance can safeguard your home and property from such hazards as fire, storms, vandalism, theft, etc. Before purchasing a policy, you should review coverage to ensure you’re getting the kind of protection you need.

Granted, when most people think of deer season, they think about hunters roaming the woods, wearing day-glo orange vests and trying to bag a buck with the largest rack of antlers possible. However, for other people, it means paying a lot more attention to what is in the road in front of them. That’s because deer, especially during mating season, have a tendency to not pay attention to roads, cars, trucks or anything else.

More deer are hit by a vehicle during mating season than at any other time because of the additional activity and hitting a deer, even with a transfer truck, can literally destroy a vehicle.

Here are a few tips to help prevent having a deer for a hood ornament during mating season:

1. Be especially cautious at night. Deer are very active during mating season and dusk to dark is a very active time for them.

2. Install headlights that give you a wider perspective. The wider view you have off of each side of the road may give you that split second advantage if a deer is preparing to cross.

3. Slow down at Deer Crossing signs. If there’s a sign there, it’s there for a reason.

4. If you see one deer, there’ll be two. While this isn’t always the case, more often than not, it is. If one deer crosses in front of you, slow down even more since a second one will probably be crossing as well.

Even with great eyesight, plenty of lead time and all the tips in the world, things still happen. That’s when having great car insurance with an agency like PMA Insurance Services, LLC can help Northern Virginia area drivers stay on the road. If you’re concerned about what your car insurance covers and whether you have enough insurance to fiscally protect you, give us a call today. We can be reached at (703) 449-1327.

If you are at the Home:

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                Wrap insulation around water heater & pipes

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                Add a small amount of anti-freeze in both tank & bowl of each toilet

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                Consider purchasing a low temperature sensor & heat /freeze alarm monitor

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                Clean gutters to avoid clogging & prevent ice dams where water backs up, freezes & causes water to seep into your house

If you are Not at the Home:

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                Shut off water systems by turning off the pump or shutting the valve if on city water

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                Drain the pressure tank

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                Open all faucets

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                Break a union close to the valve so water will drain out clear to the shut-off valve

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                Drain pump & run a second or two to be sure all water is out of lines from the pump

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                Flush toilets & dip all water out of the flush tank or put in some anti-freeze

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                Be sure to drain flexible spray hoses in showers & sinks

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                Drain water heaters & softeners

Your Homeowners Insurance Solution is PMA Insurance Services!  (703) 449-1327