We Offer A Variety Of Products To Suit Every Need

Auto Insurance

AUTO

No one plans to have an accident; however, you do need to plan how you will protect yourself, your family and your financial health in the event an accident does occur.

Don’t be caught off guard by only having the minimum coverage required by Virginia law. This can potentially leave you open to significant financial exposure and liability. WBR Insurance can tailor a policy to fit your exact needs to ensure there will be no gaps in your coverage.

WBR Insurance offers the following auto insurances options:

  • Collision – Covers expenses related to the damage or destruction of your vehicle that’s been in an accident.
  • Auto Liability – Help cover expenses from damaging a vehicle or property, or when another person is injured in an accident.
  • Medical Expenses – If you and/or your passengers are hurt in an accident, this can cover your medical or funeral expenses.
  • Uninsured Motorist Insurance – Helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.
  • Underinsured Motorist Insurance – Protects you from drivers who do not have enough insurance to cover the costs of an accident.
  • Personal Injury Protection (No-Fault) – Cover medical costs related to an accident, regardless of who is at fault.
  • Property Damage Liability – Covers expenses related to the damage of another person’s property—like vehicles, homes, buildings and other structures—when an accident is your fault.
  • Personal Umbrella Policy – Offers protection against liability claims or judgments, kicking in when your auto insurance liability limits have already been reached.
  • Rental Reimbursement – Helps cover the cost of renting a car if your vehicle is in the shop because of an accident covered under your policy.
  • Roadside Assistance – This optional auto insurance coverage can help you if you need a tow, run out of gas or get a flat.

Protect Your Teen Driver

Teen car insurance rates are calculated to be a higher risk the first few years they’re driving. Through WBR Insurance’s line of products, you may be able to reduce the expense of insuring your teen driver with our good student discounts.

Call For Your Personal Quote

Our WBR Insurance team can help you determine what coverage is right for your needs and budget, and will also work with you to find any discounts for which you are eligible. Not only are we there to assist you in selecting your policy, we are also there if you should ever have an accident. WBR Insurance’s claims service will be there to assist you 24 hours a day, 365 days a year.

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Homeowners Insurance

HOME

Your home is your largest financial investment. Homeowners insurance is designed to protect you financially by minimizing repairs or replacement costs, and assisting with living expenses if something happens due to fire, theft or certain natural disasters. In addition, it is also designed to protect you from liability if someone is injured on your property.

WBR Insurance will work with you to build a policy that makes sense for your specific home, valuables, and liability risks. We offer a number of coverage options that will protect everything you hold most dear.

  • Dwelling Coverage: Protect the structure, built-in appliances and wall-to-wall carpet of your house from damage.
  • Replacement Cost Plus: This coverage can pay an additional amount of your home coverage limit if additional money is needed to rebuild after a loss.
  • Contents Coverage: Helps cover the cost of repairs to your home, and replacement costs of your furniture, clothing and other items in your home.
  • Loss of Use: Covers expenses resulting from being unable to live in your home.
  • Liability: If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages and medical expenses.
  • Jewelry & Collectibles (Optional): Get additional coverage for high-value items such as jewelry, watches, antiques and fine art.
  • Umbrella (Optional): A personal umbrella policy offers an extra layer of protection in the event where bodily injury, property damage or personal injury to others occur for which you are held liable.

Save With These Homeowners Insurance Discounts

In addition to selecting a plan specific to your needs, WBR Insurance offers homeowners the following discounts if you qualify:

  • Multi-Policy Discount: Get up to a 20% discount on a home insurance policy when you bundle your homeowners and auto insurance.
  • Protective Device Discount: Get up to a 15% a discount if your home has smoke detectors, fire alarms, burglary alarms or other qualifying devices.
  • Claims-Free Discount: You may qualify for a up to a 20% discount on your home insurance when you stay claims-free.
  • Age of Construction Discount: Earn up to 30% savings on your homeowner’s insurance coverage based on your home’s age.
  • Age of Insured Discount: A homeowner’s insurance discount of up to 15% may apply if you’re 60 or older.
  • Personal Status Discounts: If you’re married or widowed, you may qualify for up to 5% discount on home insurance.

WBR Insurance has 24/7 Claims Services. We are there to help you and answer your questions whether restoring or replacing what you have lost, or compensating those who have been injured. For more information on the type of insurance you may need, call WBR Insurance for a customized quote at (757) 340-0028.

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Renters Insurance

RENTERS

Your belongings are worth more than you think. If your rental is burglarized or destroyed, can you afford to replace your belongings? What if someone is injured while in your rental home, could you afford the medical bills? Your landlord’s insurance generally only covers the building where you live – not your personal belongings or your personal liability.

WBR’s renters insurance is flexible, allowing you to select the coverages and insurance amounts that suit your needs.

  • Replacement Cost: Helps cover replacement costs of your furniture, clothing and other items in your rental.
  • Loss of Use: Covers expenses resulting from being unable to live in your home.
  • Liability: If an accident occurs in your rental home that damages someone or something, personal liability can help pay for covered damages and medical expenses.
  • Umbrella (Optional): A personal umbrella policy offers an extra layer of protection in the event where bodily injury, property damage or personal injury to others occur for which you are held liable.

Save With These Renters Insurance Discounts

WBR Insurance offers renters the following discounts if you qualify:

  • Renter and Car Insurance Discount: Get up to a 20% discount on homeowners and renters insurance when you insure your car with Nationwide.
  • Protective Device Discount: Get up to a 15% a discount on renters insurance if your rental home has smoke detectors, fire alarms, burglar alarms or other qualifying devices. Take advantage of our free renters insurance quotes to see what you can save.
  • Claims-Free Discount: You may qualify for a up to a 20% discount for renters insurance when you stay claims-free.

WBR Insurance has 24/7 Claims Services. We are there to help you and answer your questions whether restoring or replacing what you have lost, or compensating those who have been injured. For more information on the type of insurance you may need, call WBR Insurance for a customized quote at (757) 340-0028.

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Business Insurance

Business Insurance protects your business assets and financial health in situations such as death of a partner, a natural disaster, lawsuits, or injury and damage claims.

Property Insurance

Business property insurance protects your business’ physical assets such as:

  • Building
  • Outdoor signage
  • Furniture and equipment
  • Inventory
  • Fence and landscaping
  • Others’ property

Liability Insurance

Liability insurance protects your company assets and pays for obligations from lawsuits or accidents. We offer coverage for:

  • Professional liability
  • Products and completed operations
  • Fire liability
  • Medical payments
  • Premises liability
  • Employer’s liability
  • Employment-related practices liability

Automobile Insurance

If your business requires travel or the use of a vehicle whether you have a company vehicle or an employee uses their personal vehicle you will need automobile insurance for your company. Automobile insurance protects your vehicles as well as your employees. A commercial car insurance policy may include:

  • Auto liability
  • Medical payments
  • Comprehensive coverage
  • Collision coverage
  • Uninsured and underinsured motorists coverage
  • Coverage for autos you borrow or rent
  • Coverage for employees using their cars for the business

Umbrella Liability Insurance

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all the expenses. A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops.

Determining the right insurance for your small business depends on your industry, structure, activities, location, business loan and whether or not you hire employees. As a result, there is no one size fits all approach. WBR Insurance will work with you to determine the best type of coverage plan that suits your specific business. For more information on the type of business insurance your company may need, call WBR Insurance for a customized quote at (757) 340-0028.

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Boat Insurance

09855 Powersports, Boats, RV

In most cases boats are not covered under your homeowners insurance and often require their own policy. A boat owner’s insurance policy covers you for liability if someone is injured on your craft and gives you the choice between replacement cost or cash value in a total loss. Boat coverage also includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground.

WBR Insurance offers free quotes and competitive rates on the coverage you need. Our affordable policies help you keep your boat protected on the road and on the water. We offer protections for recreational boats including bass boats, sailboats, cabin cruisers, pontoon boats and ski boats.

Get The Boat Insurance Coverage You Need

Our plan options include:

  • Liability Coverage: Helps pay for injuries and property damage to others from a covered accident if you are found to be legally liable.
  • Collision Coverage: Pays for damage to your boat, motor, trolling motor, trailer and permanent and portable boating equipment in the event of a covered accident.
  • Comprehensive Coverage: Covers damage to your boat, motor, trolling motor, trailer and permanent and portable boating equipment resulting from things other than collision such as damage from fire, theft or storms.
  • Uninsured or Underinsured Boater Coverage: Covers damages due to bodily injury that you and anyone on your boat sustain if injured in a covered accident with an uninsured or underinsured boater or a hit-and-run boater.
  • Medical Payments: Covers medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.
  • On-Water Towing and Labor: Covers towing expense and other emergency services up to selected limits in the event your boat becomes disabled while on the water.
  • Fishing Equipment: Pays for damage to fishing equipment while on an insured boat or while being carried on or off an insured boat.
  • Personal Effects Insurance: Pays replacement cost for loss or damage to your personal property while onboard or while being carried on or off an insured boat.
  • Roadside Assistance: Helps pay for on-site labor for your tow vehicle or boat trailer or towing to the nearest qualified repair facility.

Boat Insurance Discounts

Save on boat insurance rates with these discounts if you qualify:

  • Multi-Policy Discount: Get up to 15% discount on boat insurance when you also have auto insurance, powersports insurance or home insurance.
  • Boater Safety Course Discount: Get up to 5% discount if you complete an approved water safety course to get even more savings. Check with the National Association of State Boating Law Administrators to find out what types of courses are available.
  • Multi-Boat Discount: Save up to 5% discount by insuring more than one boat on the same policy with our multiple-boat insurance discount.
  • Diesel Fuel Discount: Buy a boat powered by diesel fuel and get up to 5% discount.
  • Paid In Full Discount:  Get up to 5% discount on boat insurance by paying your 12-month premium in full.
  • Claim-Free Renewal Discount: Receive Get up to 5% discount at renewal if you are claim-free in the preceding policy term.

Motorcycle Insurance

Motorcycles, women motorcyclists, cover photo couple climbing tree, road side assistance

Virginia residents must assume financial responsibility for registered motorcycles they plan to operate on state roads. Having financial responsibility for your motorcycle means you’re covered in the event your motorcycle causes property or personal damages.  One way to do this is to purchase liability coverage to minimize

WBR Insurance can provide you a free motorcycle insurance quote. Our motorcycle insurance quotes can be tailored to your unique riding needs and budget.

Get The Motorcycle Insurance Coverage You Need

  • Liability Coverage: Helps cover expenses from damaging a vehicle or injuring a person in an accident.
  • Collision Coverage: Covers damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over.
  • Comprehensive Coverage: Helps pay for damage to your vehicle not caused by a collision. This can include damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.
  • Uninsured or Underinsured Motorcycle Coverage: Covers damages in an accident caused by an underinsured, uninsured or unidentified motorist.
  • Medical Payments Insurance: Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
  • Towing and Labor: Can reimburse you for a tow and for the labor costs to get your motorcycle up and running again.
  • OEM Endorsement: Option to make sure your motorcycle is repaired using original equipment manufacturer parts instead of after-market ones if you have a covered accident.
  • Custom Equipment: This covers aftermarket parts and equipment not originally installed on the vehicle by the manufacturer.
  • Custom Motorcycle Insurance Coverage: With our custom motorcycle insurance, you can protect your custom parts and, custom bikes, trikes and vintage bikes.
  • Roadside Assistance: Our emergency Roadside Assistance program provides help with a flat tire, a jump or a tow.

Motorcycle Insurance Discounts

Save on motorcycle insurance rates with these discounts if you qualify:

  • Multi-Policy Discount: Get up to a 14% discount on motorcycle insurance when you also have auto insurance, powersports insurance or home insurance with Nationwide.
  • Multi-Vehicle Discount: Get up to 30% by bundling all of your autos, boats, ATVs, snowmobiles and motorcycles with Nationwide.
  • Motorcycle Safety Course Discount: Get up to a 5% discount to lower the cost of motorcycle insurance when you complete an approved safety course. Check with the Motorcycle Safety Foundation (MSF) to find out what types of courses are available.
  • Farm Bureau Discount: You may qualify for an additional motorcycle insurance discount of up to 5% if you’re a member of the Farm Bureau.
  • Riding Association Discount: If you’re a member of a riding association, such as the Harley Owners Group, you can earn up to 10% off your already low cost motorcycle insurance coverage.
  • Theft-Recovery Device Discount: Get up to a 20% discount on comprehensive coverage if your vehicle has a professionally installed radio or GPS theft-recovery system.
  • Homeowner Discount: Save up to 15% just by owning your home, condo/townhome or mobile home.

Call For Your Personal Quote

Our WBR Insurance team can help you determine what coverage is right for your boat or motorcycle, and will also work with you to find any discounts for which you are eligible. Not only are we there to assist you in selecting your policy, we are also there if you should ever have an accident. WBR Insurance’s claims service will be there to assist you 24 hours a day, 365 days a year.

For more information on the type of insurance you may need, call WBR Insurance for a customized quote at (757) 340-0028.

Get A Quote

Helpful Resource Links*

RESOURCES

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*The links above are not affiliated with our insurance agency. We do not control these websites and are not responsible for their content, products, services or privacy policies.

The Right Products For The Right Solutions. Every Time.

Personalized Quotes

Our WBR Insurance team can help you determine what coverage is right for your personal or business needs and budget.

Save With Discounts

In addition to competitive rates on the coverage you need, WBR Insurance will also work with you to find any discounts for which you are eligible.

24/7 Claims Services

We are here to help you and answer your questions whether restoring or replacing what you have lost, or compensating those who have been injured.