The Insurance Guys in Fredericksburg, Virginia with Reviews -
By: Brian S.
Cliff Ward - State Farm Insurance Agent
My wife and I have been with state farm for years. We moved to the Fredericksburg area a few years ago and wanted to stay with State Farm. Cliff Ward was highly recommended to contact. We were glad we did because not only do they have the best customer service, but Cliff took the time to bundle a great multi policy and answer any questions that we have had. We will continue to recommend Cliff and his agency to anyone in the Virginia area. Thank you Cliff for all that you have done for us.
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornadoes, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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