Our dedicated team of insurance professionals are here to assist you in securing the insurance protection you need. We compliment competitive insurance pricing with risk management, loss control and relationship building service. Whether it be personal or business insurance we represent the insurance companies best suited for you and dedicated to prompt and fair claims service.
Founded in 1947 the Harry R. James Insurance Agency has a legacy of service to both personal and business policyholders. We take pride in building relationships with our customers by providing the service and insurance coverage they need and expect. Using effective risk management techniques we provide viable insurance solutions and professional service.
Founded in 1947 the Harry R. James Insurance Agency has a legacy of service to both personal and business policyholders. We take pride in building relationships with our customers by providing the service and insurance coverage they need and expect. Using effective risk management techniques we provide viable insurance solutions and professional service.
Services
The Harry R. James Insurance Agency, Inc. was founded in 1947 but the agency's roots go as far back as 1921 making it one of the oldest insurance agencies in Virginia.
The agency is a full line insurance agency, providing property, liability, life and health insurance protection to families and businesses.
The agency represents some of the finest insurance companies who are committed to providing superior products and service.
The agency takes pride in its tradition of providing the best service possible to each policyholder.
The agency is a full line insurance agency, providing property, liability, life and health insurance protection to families and businesses.
The agency represents some of the finest insurance companies who are committed to providing superior products and service.
The agency takes pride in its tradition of providing the best service possible to each policyholder.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
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