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Insurance, Decoded.
Insurance can seem complicated, but it doesn't have to be. Insurance 101 is your go-to resource for learning the basics, answering common questions, and getting clear, straightforward insights
Everything you want to ask about insurance.
Get simple, honest explanations that help you feel more confident about your insurance decisions.
Insurance gives you financial protection against certain risks. If a covered loss happens, Rockingham Insurance will help pay for it based on your policy terms.
The short answer – yes. The longer answer – Not only is it legally required in certain cases (for example - Virginia drivers are required by law to carry auto insurance), but insurance also acts as a financial safety net for you and your loved ones in the case of a loss.
A premium is the amount you pay each year for your insurance policy. If a loss happens, a deductible is the amount you pay out of pocket before insurance coverage kicks in.
It depends on the type of policy and coverages you have. Your Rockingham Insurance agent can help make sure you have the right coverages unique to your needs. Once you have your policy, read your plan documents and check in with your agent annually (or if you have a life event) to make sure you are still properly covered.
Yes! To make updates to your policy, sign into your customer portal or reach out to your Rockingham Insurance agent if you have specific questions.
Absolutely! It’s important to update your policy soon after a life event. Changes like marriage, moving to a new home, and buying a new car can all affect your insurance needs.
Your policy limit is the maximum amount Rockingham Insurance will pay in the event of a covered loss.
Your policy declaration pages will detail all your coverage information, including any endorsements and discounts applied to your policy. Existing Rockingham Insurance customers can sign into their online portal to download policy declaration pages.
Have more questions?
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From cars to campers, get coverage for damage, liability, and medical costs, on the road or off.
Extra protections for life's what-ifs, like rental property risks or legal claims.
Protection for your home and what's inside, with coverage that helps you recover from the unexpected.