Does Auto Insurance Protect Belongings Left in the Vehicle?

Since you can get theft coverage on your auto insurance policy, a lot of people believe that means the things stolen out of their vehicle will be covered. But that’s not the case. Theft insurance is for theft of the vehicle itself and doesn’t provide coverage for anything that might have been inside. Those personal items that could have been left in the car will be covered under your homeowner’s policy, instead. That’s why it’s so important to make sure your insurance policies are all up to date, so you have thorough coverage for everything in your life. If you’re in the Fredericksburg, VA area, Pete Webb Agency can help with your auto policy and more.

You don’t have to settle for a policy you’re not clear on, or one that doesn’t cover the things that are important to you. When you work with a trusted agent, you’re much better able to get the quality support and guidance you need to make informed choices about your vehicle insurance policy. While you still won’t get coverage for belongings left inside, you’ll be able to have peace of mind that your vehicle itself is adequately protected. Whether you’re just getting an auto policy or you want to see if yours needs updating, we can help you get the peace of mind that comes with the right level of coverage.

At Pete Webb Agency, our agents are committed to meeting your auto insurance needs. We want all of our Fredericksburg, VA clients to have insurance that covers their vehicles and helps them feel safe and secure when they’re on the road. Reach out to us today, and let us help you get the policy you want and deserve. Then you can get back to enjoying your vehicle, whether you’re commuting to and from work or heading down the road on an adventure.

Why a Classic Car Owner Needs Insurance

For anyone that loves cars in the Fredericksburg, VA area, owning a classic or antique vehicle is an ultimate dream. While these vehicles can be a great addition to anyone’s collections, they are also valuable and unique assets that require proper insurance protection. To ensure that your classic car is adequately protected, there are several reasons why you need to get classic car insurance. 

Allows for Vehicle Appreciation

One of the unique features of a classic car is that it can appreciate in value. This compares to typical vehicles that depreciate. Due to this, you should get classic car insurance that provides protection for the full market value of the car. When you get a classic car insurance policy, you will receive an Agreed Value Replacement that will provide you with enough coverage to replace the vehicle and the asset value if it is damaged or stolen. 

Premiums Reflect Mileage

Another benefit of classic car insurance is that the premiums can reflect the mileage that you are driving. Most of the time, classic car owners will very rarely take their vehicles out onto a public road. Due to the limited mileage, you can accept a classic car insurance policy that will limit your mileage but will offer more affordable premiums than a standard auto insurance policy. 

Owning a classic car is a dream for many in the Fredericksburg, VA area. When you are looking for a classic car insurance policy in this area, you should talk to the team at the Pete Webb Agency. When you visit the Pete Webb Agency, you can receive the guidance that you need to choose the right insurance policy for your situation. This will ensure that the proper form of coverage correctly protects your valued asset. Contact our office to get a quote.



Why do I need auto insurance in Virginia?

Those that are in the Fredericksburg, VA area likely will need to have a car to get through their daily chores and responsibilities. Since there is a need to have a car at all times, people also need to consider their insurance needs. There are several reasons why someone in Virginia needs to make sure that they have auto insurance at all times. 

Protects Your Vehicle

One situation when you need to get auto insurance is when you want to protect your vehicle. If you have purchased a vehicle recently and want to make sure that you can rebuild, repair, or replace it in the event of an accident, getting a full auto insurance policy is beneficial. A policy that gives your comprehensive and collision coverage will provide coverage for virtually any situation that could result in a loss for you.

Allows for Legal Compliance

Additionally, those that are in Virginia should also consider their auto insurance needs because it is required by the law. Even those that are excellent drivers will always have a small risk that they could cause an accident. If this does occur, your liability auto insurance will ensure that you can pay for damages. Due to this continued risk, all drivers in Virginia are required by law to carry liability auto insurance at all times.

Those that are shopping for auto insurance should contact the team at the Pete Webb Agency as soon as they can. When you contact the team at Pete Webb Agency in Fredericksburg VA, you will get excellent advice and insight when it comes to picking your auto insurance policy. This will help to ensure that you get an auto insurance policy that protects your vehicle and gives you necessary liability coverage for any situation. 

What Constitutes Long Term Care?

Many people confuse long term care with a disability, even though the two are drastically different. The agents of Pete Webb Agency serve residents throughout the Fredericksburg, VA area. They understand the reasons behind long term care and why it is so important to have an insurance policy that covers it. Dealing with a chronic illness or injury can be a hardship in and of itself. Knowing that you are covered by insurance can relieve some of the stress and lighten the burden. 

Chronic Illness and Recovery

Chronic illness or the long term recovery of a devastating injury can require extensive medical care. In some cases, like with a stroke or accident-related, the recovery process can take months or even years. While extensive care may be needed in the beginning, as the patient recovers, the amount of care they need will decrease as their health improves. 

Assisted Living

Assisted Living is another form of long-term care that doesn’t necessarily have to do with actual medical care. As we age, there are times where we require assistance with basic, everyday tasks, like cleaning our home, bathing, cooking meals, or doing laundry. This type of long-term care allows an individual to live independently for as long as possible without having to leave their home and go to a nursing home.

The agents at Pete Webb Agency are available to answer all of your questions about long term care insurance and how having a policy will benefit you in the long run. If you live in the Fredericksburg, VA area, stop by the office or schedule a consultation today! An agent is always available during regular business hours and can provide you with the answers you need. 


3 Ways to Keep Employees Safe in Your Virginia Business

Maintaining a business in Fredericksburg, VA requires the safety of your employees while they are on your clock. Below are three ways to keep them safe while they are working and aware of their surroundings from Pete Webb Agency. 

Stay Aware

First and foremost, make sure that your employees know that they are looking for and to stay alert while they are working. Knowing where the exits are and being able to see clearly from their work area is essential. Clue them in on signs of suspicious behavior from customers and be aware of who may be lingering in the area around the business. 

Create and Implement a Plan

Have safety meetings regularly with your employees to develop a plan if their safety is in danger. Whether it be an armed robbery or troubled person, develop a plan to alert others for help and stay safe until first responders can arrive at the scene. Once this plan has been outlined, have your team practice it periodically so that they know where the location of the telephones, panic buttons, and any other security features are in the building. 


For those businesses in Fredericksburg, VA that may have limited staff on a shift, it is smart to offer your team members self-defense classes to give them the proper use of the only resource they may have. In some situations, they may not be able to follow through with the plan and have only themselves for protection. Self-Defense classes give them a basic foundation of tricks to escape a situation so that they can get help. 

Have ultimate protection

At Pete Webb Agency, we strive for our clients to have access to the best commercial insurance coverage options. Contact us today for more information.

Advantages of Using Life Insurance in Estate Planning

If you have a life insurance policy, it’s probably so you can leave money to your named beneficiary. Serving Fredericksburg, VA, Pete Webb Agency urges people to get life insurance policies because of their value in estate planning.

Payout Is Quick

Life insurance is an excellent way to help your beneficiary pay your final expenses. Since there is no need to go to probate court, the proceeds from your life insurance policy are available to your named beneficiary shortly after your death. Another advantage is that unless you leave a hefty estate that exceeds the federal exemption or live where there is a state death tax, life insurance is not taxable.

Gains for You While You’re Alive

The benefits of life insurance can extend to you while you’re alive. If you have permanent life insurance, some policies allow you to borrow money on the policy or to make cash withdrawals based on the amount you’ve paid in. With this kind of policy, you may also be able to withdraw funds if you become disabled or need long-term care. This spares you—at least for a time—from having to tap into your personal assets or having your named beneficiary withdraw personal funds. Although loans on this kind of policy are usually tax-free, typically, you still have to pay interest on the loan to keep the policy from lapsing.

Survival of Your Business

If you’re a business owner, any kind of life insurance policy can keep your business `afloat as plans are made for new leadership. You may need to consult an attorney about this, but often the purchaser of the policy names the business as the beneficiary.

Contact Pete Webb Agency, which serves Fredericksburg, VA, to discuss the benefits of life insurance in estate planning.


Will Home Insurance Cover Fence Repairs?

Good fences make for good neighbors… at least until that fence falls and you’re left with questions on who will cover the often expensive replacement or repair. Fences are wonderful additions to homes that increase your privacy and make it easy to keep kids and pets corralled. They can feel like an extension of your home but unlike most other of your home’s building structures, fence repairs are generally only covered by home insurance policies in certain situations. For more details, contact Pete Webb Agency in Fredericksburg, VA.

Nature-related vs. Neglect

Generally, whether or not your fence repairs will be covered by your home insurance policy hinges upon whether the damages are due to an act of nature or the neglect of general care and maintenance. In other words, if strong winds or hail damage your fence, then yes, homeowner’s insurance should approve your damages claim. However, if your fence fell due to something that could have seemingly been prevented with good preventative measures, like rot stemming from termites or mold, then your claim will likely be denied.

Tree-related: Healthy vs. Sick

One of the more common causes of sudden fence damage is damage caused by a fallen tree or branch. Tree situations are one of those things that can go either way. If the tree was healthy and was unexpectedly uprooted by a storm, then damages will often be covered. But if the tree, as with the fence, hadn’t been properly maintained and fell due to it being dying or ill, then fence repair or replacement will be the homeowner’s responsibility.

Human-related: Vandalism & Vehicles

Generally put, if someone else damages your fence either with their car or by their own actions (like vandalizing with spray paint), then it’s them who will be required to pay for the damages via their own insurance. But if you can’t find them or are unable to pursue them for damages, then you can get coverage by filing a police report and submitting an insurance claim.

Contact our team at Pete Webb Agency in Fredericksburg, VA for more information. 

Are Non-Family Drivers Covered by Your Auto Insurance?

Your auto insurance policy automatically covers relatives that are part of your household. But what about friends who are visiting for the holidays? If your college buddy had an accident while driving your vehicle, would he be protected by your auto coverage? Many people are confused about who is and isn’t covered under their auto insurance policy. The following guidelines by Pete Webb Agency in Fredericksburg, VA can help clarify how auto insurance works when it comes to guest drivers.

Family Members

Live-in and visiting family members who have permission to drive your car are covered under your auto insurance policy. In the event of an accident, they will be protected by your coverage. Before loaning your vehicle to a family member, make sure he or she has a valid driver’s license.

Non-Family Members

Your auto insurance also protects Non-family members (friends, colleagues, etc.) who borrow your car if they have permission to use your auto.  If you’re planning a road trip and want to share driving responsibilities with a college buddy, you can have full confidence that your policy will cover him or her. By being selective in who you allow to drive your vehicle, you can reduce the risk of accidents. Some people are safer drivers than others – stick to those with good driving records to protect your auto. You should also make sure all friends driving your vehicle have valid driver’s licenses.

Review Your Auto Insurance Coverage

Before loaning your vehicle to a friend or relative, review your auto insurance policy to refresh your memory about coverage. Sometimes guest drivers have less coverage than drivers in your household. When in doubt, ask your agent to clarify this matter.

To learn more about auto insurance coverage and costs, contact Pete Webb Agency in Fredericksburg, VA.  

What’s the Difference Between Classic Car Insurance and Standard Auto Insurance?

Can you picture it? You’re taking a little cruise around Fredericksburg, VA, with your shiny classic car. You’re participating in auto shows and enjoying one of your favorite things in life. If this sounds good, then you should probably learn about classic car insurance. It’s pretty different from normal car insurance, so the agents at Pete Webb Agency have put together this quick guide to explain the differences.

Out of Pocket Cost

Before we get into the details, remember that every insurance policy is unique. These are general guidelines, and specific cases can definitely be different. With the disclaimer out of the way, what surprises most people about classic insurance is that it tends to cost a lot less than standard insurance. The assumption is that a classic car is not driven as often as a standard vehicle, and that leads to lower premiums and deductibles. That said, if you drive your classic car on a daily basis, you need standard auto insurance rather than classic insurance.


The primary difference between the two policies is that they are intended to cover different things. The bulk of standard auto insurance is crafted around liability. The value of the car plays a part in your coverage, but there’s a lot more being factored into the equation. Because of that, standard policies rarely cover the vehicle for as much as you paid to get it. With classic insurance, liability risk is minimized. The policy is built around the current value of the vehicle, and that means it will pay out pretty much what the classic car is worth. Of course, the value of a classic car can change pretty quickly, so it’s important to regularly update your classic policy.

If you have a classic car, or if you’re thinking of finally pulling the trigger, talk to your Pete Webb Agency representative. They can help you look at different policies available in Fredericksburg, VA, and get exactly what you need