Why work with the Top Independent Insurance Agency in Virginia Beach – ACIG

The Virginia Beach area is home to many families and businesses, so it’s important that everyone have access to the best insurance solutions available. That’s why Atlantic Charter Insurance Group or sometimes known as ACIG has become a leader in providing independent insurance broker services for residents of Virginia Beach. Founded by President Mike Fitzpatrick and staffed with licensed professionals ready to provide quality advice on homeowners, flood, business, auto, and more – you can be sure your family or company will receive the highest level of coverage possible when trusting an independent insurance broker from Atlantic Charter Insurance Group! Don’t wait another day – take advantage of our comprehensive offerings today!

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Atlantic Charter Insurance Group: Professional Insurance Solutions in Virginia Beach

Atlantic Charter Insurance Group is a professional insurance broker located in Virginia Beach, VA. The company is led by President Mike Fitzpatrick and his team of experienced, licensed insurance salespeople who are dedicated to providing comprehensive insurance solutions for their clients.

About the Company: Atlantic Charter Insurance Group has been serving the Virginia Beach area since 2009. With over 10 years of experience in the industry, they have become one of the most trusted names in local insurance services. Their commitment to customer service and satisfaction sets them apart from other insurance brokers in the Coastal Virginia area.

Services Offered: ACIG offers a wide range of products and services including homeowners, flood, business, auto, and more. They also provide coverage for life events such as weddings or vacations as well as specialty items like boats or motorcycles. Additionally, they offer free consultations so that customers can get an accurate quote tailored to their specific needs without any obligation to purchase a policy right away.

Atlantic Charter’s staff consists of highly trained professionals with decades of combined experience working with all types of policies and carriers throughout Virginia Beach and beyond. Each member is committed to helping customers find affordable coverage that meets their individual needs while still offering quality protection at competitive rates. Customers can rest assured knowing that they will be taken care of no matter what type of policy they choose or how complex it may be.

At Atlantic Charter Insurance Group, we provide comprehensive and reliable insurance solutions for Virginia Beach residents. With our experienced staff and tailored services, you can trust us to find the right coverage for your needs. Let’s explore how homeowners insurance in Virginia Beach can protect you and your family.

Homeowners Insurance in Virginia Beach

Homeowners insurance provides financial protection against losses resulting from damage to your home or its contents due to natural disasters or other events such as theft or vandalism. Coverage options vary depending on the policy and can include replacement cost coverage, liability protection and additional living expenses if you need to temporarily relocate while repairs are being made.

Homeowners insurance policies typically provide a range of coverage options including dwelling coverage for the structure of your home, personal property coverage for items inside your home, loss of use/additional living expense coverage which pays for temporary housing costs if you have to move out during repairs, and liability protection in case someone is injured on your property. You may also be able to add optional coverages such as flood insurance, earthquake insurance and identity theft protection.

Benefits of Homeowners Insurance: Having homeowners insurance gives you peace of mind knowing that if something happens to your house or belongings due to an unexpected event like a fire or burglary, you will be financially protected. It can also help protect against lawsuits related to injuries that occur on your property. Additionally, some policies offer discounts for installing safety features like smoke detectors and burglar alarms which can save money over time.

When selecting a homeowners policy it is important to consider cost considerations such as premiums (which vary based on factors like location) and deductibles (the amount paid before the insurer covers any remaining costs). Other factors that affect premium rates include the type of construction materials used in building the house, age, size, number of stories, roof type, distance from fire hydrants/fire stations, credit score and claims history.

Homeowners insurance in Virginia Beach can provide essential coverage and peace of mind for homeowners. Now, let’s take a look at flood insurance to further protect your home and property. Call ACIG – Atlantic Charter Insurance for a quote at (757) 431-0910.

Key Takeaway: Homeowners insurance provides financial protection against losses resulting from damage to your home or its contents due to natural disasters, theft or vandalism. Benefits include peace of mind, liability protection and discounts for safety features like smoke detectors and burglar alarms. Cost considerations include premiums (varying based on location), deductibles, type of construction materials used in building the house, age and size of home.

Flood Insurance for Virginia Beach Residents

Floods can cause significant damage to homes and businesses in Virginia Beach, so it’s important to understand your risk level before purchasing flood insurance. Understanding Flood Risk: Before deciding whether or not you need flood insurance, it is important to assess the likelihood of flooding in your area. The Federal Emergency Management Agency (FEMA) provides detailed maps that show areas at high risk for flooding. If you live in an area prone to flooding, then having a policy may be a wise decision.

Types of Flood Policies Available: There are two types of policies available – standard flood policies through the National Flood Insurance Program (NFIP) and private flood policies through an independent insurer. Standard NFIP policies provide coverage up to $250,000 for residential properties and $500,000 for commercial properties while private policies may offer higher limits with additional coverages such as sewer backup protection or replacement cost coverage for personal belongings damaged by flooding.

Having adequate coverage is essential if disaster strikes; otherwise you could be stuck paying out-of-pocket expenses that exceed what your homeowner’s insurance covers. Advantages of purchasing flood insurance include financial protection against costly repairs due to flooding as well as peace of mind knowing that you are covered if disaster strikes. Additionally, many mortgage lenders require borrowers living in high-risk areas to purchase a separate policy from the NFIP prior to closing on their loan; this ensures they have sufficient coverage should any damage occur due to floods during their ownership period.

Having the right flood insurance policy in place can help Virginia Beach residents protect their homes and businesses from flooding. Business owners should also consider purchasing business insurance to further safeguard their investments.

Business Insurance for Virginia Beach Businesses

Business insurance is an important tool for businesses in Virginia Beach, helping to protect them from potential losses due to unexpected events. Types of business coverage available include general liability, property/casualty, worker’s compensation, and professional liability among others depending on the type of business being insured. General liability covers bodily injury or property damage claims made against a business while property/casualty covers physical assets such as buildings and equipment. Worker’s compensation provides financial protection if an employee is injured or becomes ill while performing job duties and professional liability helps cover negligence claims related to services provided by a company.

The benefits of having business insurance are numerous; it can provide financial protection against potential losses due to unforeseen circumstances as well as peace of mind knowing that your business is covered if something goes wrong. It also helps ensure compliance with state laws which require certain types of businesses to carry specific forms of coverage in order to operate legally within the state. Additionally, some lenders may require proof of adequate insurance before providing financing for a new venture or expansion project so having the right policy in place can be essential for securing funding when needed.

Having the right business insurance can help protect your Virginia Beach business from financial loss. Now, let’s look at auto insurance for Virginia Beach drivers and how it can provide protection and peace of mind.

Key Takeaway: Business insurance is essential for businesses in Virginia Beach, providing financial protection against potential losses due to unforeseen circumstances. Types of coverage include general liability, property casualty, worker’s compensation and professional liability. Benefits include peace of mind knowing your business is covered if something goes wrong as well as compliance with state laws and the ability to secure financing when needed.

Auto Insurance for Virginia Beach Drivers

Auto insurance provides financial protection against losses resulting from accidents involving vehicles such as cars, trucks, or motorcycles owned by individuals or businesses in the Virginia Beach VA area. Understanding auto coverage options is essential when selecting a policy since there are many different types available.

Understanding Auto Coverage Options

Liability coverage pays for damages caused by an at-fault driver; collision covers damages caused by an accident; comprehensive covers non-accident related damages; medical payments pay medical bills resulting from an accident; uninsured/underinsured motorist pays for damages caused by drivers without adequate coverage; rental reimbursement pays for rental car costs while repairs are being made and gap insurance covers the difference between what you owe on a vehicle loan versus what it’s worth after depreciation has occurred following an accident.

Benefits of Having Auto Insurance

Having auto insurance offers several benefits including financial assistance with repair costs if you experience a loss as well as peace of mind knowing that you’re covered if something goes wrong. It also helps protect your assets in case of serious injury to another person due to your negligence behind the wheel.

Cost Considerations

Cost considerations should be taken into account when selecting a policy since premiums can vary significantly based on factors such as age, driving record, type of vehicle, etc. Additionally, discounts may be available depending on certain criteria like having multiple policies with one company or maintaining good grades in school which could help lower overall costs and make it more affordable for consumers.

Key Takeaway: Auto insurance provides financial protection and peace of mind, but the cost can vary significantly depending on factors such as age, driving record and type of vehicle. Discounts may be available for multiple policies or good grades in school which could help lower overall costs.


The team at Atlantic Charter Insurance Group are experienced and professional Virginia Beach independent insurance brokers. With their expertise in the industry, they can provide you with tailored solutions to meet your specific needs. Whether it’s homeowners, flood, business or auto insurance, they have the knowledge and experience to help you find the best coverage for your situation. Don’t hesitate to contact them today if you’re looking for an independent insurance broker in Virginia Beach!

Do you need help finding the best insurance coverage for your Virginia Beach home or business? Look no further than Atlantic Charter Group! Our experienced independent insurance brokers can provide tailored solutions to meet all of your needs. With our expertise and access to top-rated providers, we will make sure that you are properly protected with the right policy at an affordable price. Contact us today for a free consultation and let us show you why so many trust Atlantic Charter Group as their go-to Virginia Beach independent broker.

Here is a link to our Google Maps page for your convenience. Please check out the reviews offered by customers of the top Independent Insurance Agency in Virginia Beach.

We are always available for any questions you may have. We are excited to hear from you!

Atlantic Charter Insurance Group

3008 Virginia Beach Blvd.

Virginia Beach, VA 23452

(757) 431-0910


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