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Applegate Insurance Blog

What’s Covered? A Clear Guide To Commercial Property Insurance

12/22/2025

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Whether you own a small storefront, a growing warehouse, or a service-based business operating out of rented space, your commercial property is one of your most valuable assets. Protecting it from unexpected loss is essential—not just for financial stability but for keeping your business running smoothly. That’s where commercial property insurance comes in.

Unfortunately, many business owners misunderstand what their policy actually covers. Some assume it protects “everything,” while others believe they’re on their own for most major damages. The truth lies somewhere in the middle, and understanding your coverage is the key to avoiding costly surprises.
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This guide breaks down what commercial property insurance includes, what it excludes, and how to choose the right protection for your business.

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RV Insurance 101: Coverage Differences For Class A, B, And C Motorhomes

12/17/2025

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Owning an RV opens the door to adventure—road trips, cross-country travel, camping, and the freedom to explore on your own terms. But just like any vehicle or home, your motorhome needs proper insurance. Not all RVs are created equal, and neither is their coverage. Class A, B, and C motorhomes vary in size, value, and functionality, which impacts the insurance requirements and protections you’ll need.
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Whether you're a seasoned traveler or purchasing your first RV, understanding these coverage differences ensures you stay protected wherever the road takes you.

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UM/UIM Coverage: The Protection Most Drivers Overlook

12/15/2025

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Auto insurance is something most drivers rarely think about—until they need it. While liability, collision, and comprehensive coverage often get the most attention, there’s another crucial type of protection that many overlook: Uninsured/Underinsured Motorist (UM/UIM) coverage.

With millions of drivers carrying little or no insurance, UM/UIM coverage can mean the difference between being fully protected after an accident or facing overwhelming medical and repair bills. Unfortunately, many people don’t understand what this coverage does—or why it’s so important.
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This guide breaks down why UM/UIM coverage matters, what it includes, and how it protects you when another driver fails to do their part.

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Don’t Miss A Step: How To Correctly File A Theft Claim With Your Insurance

12/8/2025

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Discovering that your home, vehicle, or personal property has been stolen can be overwhelming. In addition to the emotional stress, you’re suddenly faced with the task of filing an insurance claim—something many people rarely do and often don’t fully understand. Filing a theft claim correctly is essential to ensure you receive the compensation you’re entitled to and avoid unnecessary delays or denials.
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The good news? With the right steps and documentation, the process can be straightforward. This guide walks you through exactly what to do, from the moment you discover the theft to finalizing your claim with your insurance provider.

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    (540) 547-3733
    6736 Holly Springs Drive
    Gloucester, VA 23061

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Allied Financial Associates, Inc.
6736 Holly Springs Drive
Gloucester, VA 23061
(540) 547-3733
Click Here to Email Us
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​Now serving:  Gloucester,  Yorktown, Mathews, West Point, Newport News,  Williamsburg, Saluda,  Poquoson, Tappahannock, Virginia Beach, Suffolk, Franklin, Chesapeake  and all of Virginia and Maryland.
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