Here at D&L Insurance, we have a combined experience of over 30 years in the Fredericksburg, VA area, so you may have the peace of mind that you are in good hands. Our company is based on the belief that our customers' needs are of the utmost importance. Accredited throughout the state of Virginia, our team is committed to meeting those needs and as a result, a high percentage of our business is from repeat customers and referrals.
We welcome the opportunity to earn your trust and deliver you the best service in the insurance industry. NO CUSTOMER WILL BE TURNED AWAY! We are an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal driving history preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best price for you.
Immediate SR22's & FR44's are available. We go the extra step to take care of our clients by automatically re-shopping your insurance at renewal to make sure you've still got the best policy with the best price.
We welcome the opportunity to earn your trust and deliver you the best service in the insurance industry. NO CUSTOMER WILL BE TURNED AWAY! We are an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal driving history preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best price for you.
Immediate SR22's & FR44's are available. We go the extra step to take care of our clients by automatically re-shopping your insurance at renewal to make sure you've still got the best policy with the best price.
Services
Kelly Melvin referred her friends and family to get a quote at D&L and was January's Customer of the Month Winner!
Ellen referred her friends & family to get a quote at D&L and was Feburary's Customer of the Month Winner!
Melville is a current customer who needed help with his insurance claim.
The girls at D&L helped him every step of the way and he was so pleased with the service that they provided him that he choose to tip them 20.00 each.
When was the last time your current insurance agent deserved a tip?
Ellen referred her friends & family to get a quote at D&L and was Feburary's Customer of the Month Winner!
Melville is a current customer who needed help with his insurance claim.
The girls at D&L helped him every step of the way and he was so pleased with the service that they provided him that he choose to tip them 20.00 each.
When was the last time your current insurance agent deserved a tip?
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.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
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.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
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.
This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions.
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.
This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear.
You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster.
However, renters insurance does not cover floods, earthquakes or routine wear and tear.
You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster.
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your Independent Agent is an advocate for finding insurance that meets your specific needs.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your Independent Agent is an advocate for finding insurance that meets your specific needs.
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