The top-rated condo insurance agent in Stafford, Virginia is Rachel Johnson - State Farm Insurance Agent, rated 5.0 stars across 273 reviews. Other highly rated options include Gary Boxley - State Farm Insurance Agent, Farmers Insurance - Patricia Grant, J. Green Insurance. This directory lists 13 condo insurance agents serving Stafford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rachel Johnson - State Farm Insurance Agent | 373 Garrisonville Rd #109 | (540) 628-7937 |
| 2 | Gary Boxley - State Farm Insurance Agent | 2048 Richmond Hwy # B | (703) 221-1771 |
| 3 | Farmers Insurance - Patricia Grant | 306 Garrisonville Rd Suite 303 | (540) 318-8622 |
| 4 | J. Green Insurance | 300 Garrisonville Rd Suite 302 | (540) 318-6020 |
| 5 | Michael C. Smith - State Farm Insurance Agent | 2789 Richmond Hwy Ste 109 | (540) 720-8404 |
| 6 | Chamblin Insurance LLC | Mckittrick Dr | (571) 774-8277 |
| 7 | Isaac Plans Insurance | 129 Pewter Ln | (540) 426-1804 |
| 8 | Tabitha E. Walker Insurance Agency | 25 Clement Dr | (540) 657-5633 |
| 9 | Bryce Reeves - State Farm Insurance Agent | 685 Garrisonville Rd STE 101 | (540) 657-7030 |
| 10 | Elite Insurance Services VA | 2080 US-1 | (434) 356-0420 |
Rachel Johnson - State Farm Insurance Agent serves the Stafford, VA area, offering professional guidance for condo owners seeking appropriate insurance coverage. As a local agency, it helps clients understand the specific needs of condominium policies and how they differ from standard homeowners insurance. An agent reviews the association’s master policy to identify gaps in personal property and liability protection. This office handles the selection of loss assessment coverage and procedures for filing claims when water damage or theft occurs in a unit.
Gary Boxley - State Farm Insurance Agent in Stafford, VA provides condo insurance services, including coverage for personal property, liability protection, and building improvements. It offers policy reviews to help clients understand their individual needs and assists with claims filing when necessary. Service plans focus on evaluating changing coverage requirements over time. The company services single-family homes, apartments, retail spaces, and restaurants.
Homeowners, condo associations, and property managers in Stafford, Virginia turn to Farmers Insurance - Patricia Grant for tailored condo insurance coverage. The agency addresses the specific needs of condominium unit owners, including protection for personal property, liability, and interior building elements not covered by a master policy. Policies are designed to fill gaps in standard HOA coverage, offering peace of mind for residents and investors. Serving the greater Fredericksburg area, the agency also extends its condo insurance services throughout neighboring communities.
J. Green Insurance serves clients in Stafford, Virginia, and its surrounding communities, focusing exclusively on condo insurance agent work. The agency handles specialized coverage for individual unit owners, including policies for interior structures, personal belongings, and liability protection. It also addresses loss assessments from the condo association’s master policy. To handle a typical job, it begins with a detailed review of the client’s condo declaration and personal needs, then matches coverage limits and deductibles accordingly.
Michael C. Smith's State Farm Insurance Agency in Stafford, VA, provides both one-time policy reviews and recurring account management for condo owners. Coverage options for condo insurance typically protect interior structures, personal belongings, and liability within the unit. Policies often fill gaps left by the condo association's master plan, ensuring individual financial security. This local agency operates on an as-needed basis, allowing clients to request policy adjustments, file claims, or update coverage details whenever changes occur in their living situation.
Offering specialized condo insurance policies, Chamblin Insurance LLC provides tailored coverage for common areas, personal liability, and interior unit protection. Based in Stafford, VA, the agency works to address the unique risks associated with condominium living, including building ordinance requirements and loss assessment endorsements. It generally helps clients ensure their policies align with their homeowners association rules. As winter approaches, the office assists with claims related to frozen pipe damage inside units or from shared plumbing systems.
Isaac Plans Insurance in Stafford, VA handles a full range of condo insurance tasks, including policy evaluations and coverage adjustments. It specializes in add-ons for loss assessment, building ordinance upgrades, and flood protection for individual units. The agency primarily assists condominium owners, but it also serves several commercial sectors. Its client base includes office tenants requiring liability coverage, warehouse managers needing property insurance, and food service operators seeking protection for kitchen equipment and inventory.
Tabitha E. Walker Insurance Agency provides residential condo insurance services to clients in Stafford, Virginia. Commercial coverage is also available for local businesses that require protection for their properties. The company serves clients throughout the Stafford area. An initial consultation helps determine the specific coverage needed for each condominium or commercial space. Follow-up services are arranged between regular visits to ensure policies remain current with changing property values and individual circumstances. The agency encourages periodic reviews of all insurance plans to address any new requirements that may arise.
As Stafford homeowners prepare for the often unpredictable weather that shifts from humid summers to icy winters, many seek dependable coverage for their condominium properties. Bryce Reeves - State Farm Insurance Agent in Stafford, VA, provides condo insurance solutions tailored to local needs. Clients receive assistance in understanding their master policy and filling gaps with personal property and liability protection. A thorough assessment of each unit’s specific risks and coverage requirements begins with an initial consultation and review of the condo association’s existing policy.
Elite Insurance Services VA in Stafford, VA is known for providing focused condo insurance solutions tailored to individual policyholder needs. It serves local condominium owners by offering coverage that addresses dwelling protection, personal property, and liability. Policies are customized to complement master HOA insurance while filling coverage gaps for interior fixtures and belongings. The agency works to ensure clients understand policy deductibles and loss assessment provisions. A specialty service it can add on is flood insurance endorsement for units in lower-risk zones.
What Does a a Condo Insurance Agent in Stafford Cost?
Condo insurance in Virginia typically costs between 200 and 600 dollars per year for a standard HO-6 policy. Factors that affect cost include your unit value, deductible choice, and location in Stafford. Flood insurance is separate and may cost 400 to 800 dollars per year if required. This is general information, not insurance advice.
About condo insurance agents in Stafford
Condo insurance agents in Stafford Virginia help owners secure HO-6 policies that cover personal property and interior walls. Virginia law requires condo associations to maintain master policies but owners need separate coverage for upgrades and liability. Agents in Stafford understand local flood zones and HOA requirements.
Frequently Asked Questions
What does a condo insurance agent in Stafford do?
A condo insurance agent in Stafford helps you find an HO-6 policy that covers your personal belongings and interior structures. They explain Virginia specific requirements like loss assessment coverage for shared areas. They also help you compare quotes from multiple insurers.
Do I need condo insurance in Virginia if the HOA has a master policy?
Yes, Virginia law does not require you to buy condo insurance but your lender will require it. The master policy covers common areas and the building shell. Your HO-6 policy covers your personal property, interior walls, and liability for accidents in your unit.
How do I choose a condo insurance agent in Stafford Virginia?
Look for an agent licensed in Virginia who has experience with condo HO-6 policies. Ask if they work with carriers that offer loss assessment coverage and water backup protection. Check their reviews and confirm they can explain Virginia specific policy terms.
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