Frequently Asked Questions

What is an Independent Insurance Agency and why should I choose one?

As an independent insurance agency, we represent many different insurance companies which offer a wide variety of coverage options and price points. With our connections and knowledge of the market, we can often find a better value for your insurance dollar than you might find searching on your own. We do the shopping. You do the saving. In the end you get the right blend of price, coverage, and service.

What is Keystone Insurers Group?

Keystone is a community of independent insurance agencies that are in business for what matters most – to provide peace of mind in the neighborhoods and communities where we live and work. Being part of Keystone gives us access to exclusive knowledge, unmatched experience and industry insights allowing us to meet your needs, from the straightforward to the more complex. If we don’t have an answer, we know someone who does. We’ll pass along the experience and expertise directly to you through creative solutions for your most unique challenges.

Where are we located?

We have an office in Wytheville, VA and Burlington NC165 West Main Street
Wytheville, VA 24382
409 Alamance Road, Suite B
Burlington, NC 27215

How do you get in contact with us?

Please visit our Contact page on our website for phone numbers, email address, locations, and contact form.

How do you get an insurance quote?

Please visit our Get Quote page on our website. We have links to quote pages, quote forms, and a contact form for further information/questions.

What type of insurance do we offer?

As an independent insurance agency, we can meet all of your insurance needs with the companies we represent, providing personal, business and employee benefits solutions under one roof. The best insurance for one person may not be the best for another – because everyone’s situation is different. We are committed to help you find the BEST insurance for YOU.

How do you make a payment or file a claim?

Please visit our Insurance Partners page on our website to see a list of our partners to look for the link to your carrier to make a payment or file a claim online or over the phone.

What are auto liability limits?

Most auto insurance policies contain three major parts: liability insurance for bodily injury, liability insurance for property damage and uninsured/under-insured motorists coverage.
Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault. Their claims for bodily injury may include medical expenses, lost wages, and pain and suffering.
Property damage liability insurance pays for any damage you cause to the property of others. This includes not only damages to other vehicles, but also other property such as walls, fences and equipment. Uninsured motorists coverage protects the policy holder directly. This coverage pays if you are injured by a hit-and-run driver or a driver who does not have auto insurance.

What is special, broad, and basic coverage form?

Basic, Broad, and Special form are three common coverage forms when insuring property. Basic form is the most restrictive, while Special offers the greater level of protection.
Basic form covers these 11 “perils” or causes of loss: Fire or Lightning, Smoke, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft (striking the property), Vehicles (striking the property), Glass Breakage, Vandalism & Malicious Mischief, Theft, and Volcanic Eruption.
Broad form covers the same 11 perils, but adds 6 more: Falling objects, Weight of ice, snow or sleet, accidental discharge or overflow of water or stream from within plumbing or related systems; does not include discharge or overflow of water from a sump, sudden and accidental rupture of heating, air conditioning, fire protective sprinkler, or hot water heating system. Freezing of plumbing or related systems. And Sudden and accidental damage from artificially generated electrical current.
Special form does not specifically list perils, rather it is “all risk” coverage unless otherwise specifically excluded.
As always refer to your actual policy for coverage language as it could vary slightly from carrier to carrier, and product to product.

What is workers’ compensation insurance?

Workers’ compensation insurance protects a business owner from the employer’s statutory obligation to provide coverage for its employees who experience a work-related injury or illness on business premises or due to business operations. Nearly all U.S. states require employers to purchase a workers’ compensation insurance policy to cover employees. The law provides workers’ compensation as the sole remedy for an injured employee. Check with your state insurance department to understand what is required for your specific business type.

When buying a home or refinancing, what does it mean to put your homeowners insurance in escrow?

An escrow account is simply a bank account into which money is deposited to cover specific bills for your home, such as homeowners insurance, private mortgage insurance, and real estate taxes.