We understand the growing concern surrounding coronavirus (COVID-19) across our communities, and our hearts go out to all those who've been impacted. We are doing all we can to continue to provide the best possible experience for our policyholders. To help prevent further spread of the virus, many of our agents are working from home and we are asking our clients to please utilize online technology and our phone service as much as possible. We are working closely with our carriers to help provide solutions for our clients. Many of our carriers are also offering extended billing plans during this time. Please don’t hesitate to call us to discuss your options.



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So far RichardBraun has created 23 blog entries.

“Average” coverage can leave you in financial ruin

The most common liability coverage on a home The most common amount of liability coverage that we see homeowners carry when they come to The Choice Insurance Agency is $300,000.  Limits offered by most insurance companies for a homeowners policy include $100,000, $300,000 and $500,000.  So why do most agencies and clients default to $300,000?  [...]

“Average” coverage can leave you in financial ruin2020-01-09T05:53:23+00:00

The Choice Insurance Agency walks a {painful} mile in her shoes

On Friday, April 7, The Choice Insurance Agency team was proud to support the Walk a Mile in her Shoes to bring awareness to and end sexualized violence against women.  The local event was produced by the Norfolk YWCA, whose mission is to end racism and empower women.   As the website for the Walk a Mile in [...]

The Choice Insurance Agency walks a {painful} mile in her shoes2020-01-09T05:53:24+00:00

Are you paying for your neighbor’s insurance?

An Industry Secret I’m going to let you in on an insurance industry secret.  Insurance companies are scared to insure property.  Insurance companies might not openly admit this fact, but the industry really isn't crazy about insuring homes and other property.  (Ever wondered why GEICO and Progressive doesn't have their own home insurance product?)  You [...]

Are you paying for your neighbor’s insurance?2020-01-09T05:53:24+00:00

You say tornado, I say wind

Hampton Roads is Hit by a Monster Twister Last week, Virginia Beach and Chesapeake were struck by a devastating tornado.  While the twister struck on April 1, it was no joke.  Dozens of homes were damaged and Real Life Church was destroyed.  The tornado touchdown was a reminder that the mid-west is not the only [...]

You say tornado, I say wind2020-01-09T05:53:25+00:00

Save a Life – Maybe Yours! Take The Pledge

Distracted Driving Kills According to the latest stats provided by The US Department of Transportation, 3,179 people were killed and 431,000 were injured in car accidents in 2014 as a result of distracted driving.  It's truly an epidemic but you don't need statistics to make you aware of the problem.  Whenever you are driving, all [...]

Save a Life – Maybe Yours! Take The Pledge2020-01-09T05:53:25+00:00

Real Estate Professionals: How to Best Help Your Clients and Not Get Fined

Prospect Pays $3.5 Million for Violating CFPB!!! The Consumer Protection Finance Bureau is not messing around.  It was announced on January 30 that the CFPB fined Prospect Mortgage $3.5 Million for paying kickbacks to two real estate brokers. As quoted on  "Today's action sends a clear message that it is illegal to make or [...]

Real Estate Professionals: How to Best Help Your Clients and Not Get Fined2020-01-09T05:53:30+00:00

Is YOUR Savings ‘Gone With The Wind’?

Over the past two decades, insurance companies have become increasingly creative with regards to wind deductibles.  The trend began following Hurricane Andrew in 1992.  At the time, Andrew was the most destructive Hurricane in United State History as measured by the amount of damage caused.  In tandem with Andrew, increases in computing power provided insurance [...]

Is YOUR Savings ‘Gone With The Wind’?2020-01-09T05:53:32+00:00

Failure Disclosure!(And How It Impacts YOU…)

The insurance industry has failed.  This is what industry failure looks like… and why it’s important to you. It’s a fact.  According to The US Department of Health and Human Services, 70% of us who reach age 65 will need some form of long-term care at some point before we die.  Twenty percent of those [...]

Failure Disclosure!(And How It Impacts YOU…)2020-01-09T05:53:32+00:00

I’ll let you in on a secret…

I’ll let you in on a secret… Let’s just keep this information between us, ok?  Insurance companies have goals that are measured on a calendar year basis. Just like many other types of companies, their success is measured from January 1 through December 31st .  Because insurance companies seek constant improvement and continuous growth, sometimes, [...]

I’ll let you in on a secret…2020-01-09T05:53:35+00:00

3 Quick Steps to Smarter Insurance

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 [...]

3 Quick Steps to Smarter Insurance2020-01-09T05:53:39+00:00