Insurance is intended to protect you against events that would be financially devastating if you did not have coverage and it works by spreading significant these dramatic losses over large numbers of people.  Your goal is to get the maximum amount of coverage on the high side while structuring your policies so that the coverage is affordable.   At The Braun Agency, we recommend the following three steps:

FIRST:  Raise your liability coverage to the max on your home and auto policy.  This is the coverage that will save you if and when there is a serious accident and you are sued.  You’ll be surprised how little it costs to go from $50,000 to $500,000 in coverage.  If you have a high income, high assets, or high risks (such as a teenage driver, swimming pool, or rental property) then you should obtain an excess liability policy, also known as an umbrella policy.

SECOND:  Raise your deductibles to as high as you are comfortable with and eliminate comprehensive and collision on older vehicles.  Higher deductibles will more than offset the increase in liability coverage.  Would you rather have your $400 windshield covered in full or know that your insurance company will pay up to $500,000 if your teenage driver hurts somebody?  Of course, you can always carry low deductibles and high liability coverage if your insurance budget is not as much of a concern.

THIRD:  Maximize your discounts and review them periodically.  Discount programs change regularly but to get new discounts, you must opt-in to each discount.  When we call you to review your policies, be sure to call us back.    Call us anytime for an On Your Side Review and we will make sure you are getting every discount that you’re eligible for.  We recommend conducting an On Your Side Review every year or two.

The Braun Agency’s mission is to get you from where you are to where you want to be, by helping you build your plan, achieve your plan, and protect your plan from uncontrollable events. In the process, we are committed to delivering to you the best financial products and services in the industry in a manner that exceeds your expectations.  The Braun Agency serves thousands of households and small businesses in Virginia Beach, Norfolk, Chesapeake, Hampton, Newport News, Portsmouth, Suffolk and surrounding areas.  To see what we can do for you, contact us.



The Braun Agency’s mission is to help you get from where you are to where you want to be financially by planning, achieving your plan and protecting your plan from unexpected events.  In the process, our goal is to deliver insurance services in a manner that exceeds your expectations.  See what The Braun Agency can do for you today. Give us a call at 757-452-4563 to speak with one of the licensed, professional members of our team or request a contact here. The Braun Agency. We’re on YOUR side. 757-INSURANCE.