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Insurance Articles From Real Agents

Practical coverage tips, claims guidance, safety notes, and local insurance insight from the Springer Insurance team.

170 Articles
A Springer Vehicle at the Midlothian Village Fest 2025

9 ways to keep your teen driver safe

Studies have shown that teens show less risky driving behaviors when there is a formal agreement in place

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Sr22 Fr44 What's the Difference?
  • 06/30/26
  • 248
Sadie Grace and Cruize head to Yorktown Yacht Haven on the York River
The Ultimate Guide to Safe Boating Adventures with Your Pet
Shannon Springer with Mark Suhr the PIA National President and Mike Skiados the PIA National Chief Executive Officer
Shannon Springer Elected President of PIA of Virginia and DC
  • 06/24/26
  • 1498
Chris Leitch playing Cornhole for the Special Olympics Fundraiser by the PIA of VA and DC
How Different Age Groups Buy Insurance
  • 06/22/26
  • 670
That filter is not supposed to be that color of not-white.
Spring Cleaning for Your Insurance Policy Dont Forget What Matters Most
Tornado Watch vs Tornado Warning - Whats the Difference and Why It Matters
Priscilla Thomas got to meet Santa and tour his backup Sleigh in 2019 in South Hill!
Insuring Christmas: Santas Sleigh
  • 12/15/25
  • 4811
Our Springer Acadia at the Midlothian Days festival
Not My Fault
  • 11/19/25
  • 3371
Stuart Dederer holds the massive toys box!
How will you add joy to this holiday season?
  • 11/12/25
  • 5373
This is a manufactured home aka mobile home
Manufactured or Mobile Home?
  • 09/22/25
  • 3866
Even the Allianze Amphitheater in RVA needs General Liability.
Why do you need General Liability?
  • 08/05/25
  • 4454
A storm sweeps over Deltaville on July 26, 2025
You Let a Friend Drive the Boat. Are You Still Covered?
We tried to take a Class Picture... but the timer wasn't long enough!
Know Like Trust
  • 07/18/25
  • 4550
A Chesterfield County Police patrol and engine on Courthouse Rd.
New Virginia Law Requires All Vehicle Occupants to Buckle Up
Chris filming a Springer University Lesson
Got an Idea?
  • 06/19/25
  • 4352
A Gravel Truck that did not brush off it's tailgate.
Work Truck Do Not Follow
  • 06/19/25
  • 4637
Our new expert badges!
Experts AGAIN
  • 06/17/25
  • 5063
Peggy's new cards sit on Nicks desk ready to be delivered
Switching Carriers
  • 06/16/25
  • 4154
A Florida condo community in Ft. Peirce
What is a Condo
Peggy, Priscilla and Shannon love getting out in the community!
Summer is Here!
  • 06/11/25
  • 5651
It looks like a Lambo and Rivian are about to drag race at Robious and Huguenot
You Can’t insure What You Don’t Own
  • 05/29/25
  • 4502
A Sea Stallion flys low over Lake Chesdin
Memorial Day is May 26 2025
  • 05/22/25
  • 5337
Beautiful homes in Founders Bridge Midlothian
Why do I need homeowner's coverage?
  • 05/16/25
  • 4597
Nick Springer Earned the Certified Authority on Workers Compensation in 2020
Designated to Stand Out
  • 04/17/25
  • 5099
The price of gold has gone up a lot recently
Update Your Appraisals
  • 04/07/25
  • 5055
Red Sky int he morning new Chesterfield Towne Center
Red Sky in the morning, Sailors Take Warning
  • 03/11/25
  • 5701
While this is a PVC pipe... it's not a service line!
Service Line Coverage
  • 01/31/25
  • 5471
Available on Spotify and Apple Podcasts
Listen To our New Insurance Podcast
  • 01/24/25
  • 5842
weather.gov says it's going to be really cold!
College Station, TX: Winter Weather Alert!
  • 01/20/25
  • 5719
Ice build-up on the bed cover of a pickup
Flying Snow Missles
  • 01/09/25
  • 5070
Water Shut off, PRV and Auto Shutoff Valve
Safeguard Against Water Pressure Spikes
  • 01/07/25
  • 6003
Leakbot Came in this Cute little box
Leakbot
  • 12/12/24
  • 7680
An awesome old tree in The Clarkes Forge Neighborhood of Midlothian
My Neighbors Tree Fell On My...
  • 12/10/24
  • 5344
Why do insurance carriers have strict guidelines for trees?
  • 11/15/24
  • 5627
An equinox that was rear-ended
Springer Bundle
  • 11/04/24
  • 5757
One heck of a haunted house!
Halloween Safety Tips
I simply typed in
H_I Human Intelligence
  • 10/24/24
  • 5655
A damage waiver from a recent trip to Texas.
Rental Damage Waivers
  • 10/14/24
  • 5598
Chris is looking into the wind and pointing to the eye of the storm with his right arm
Where is the Hurricane
  • 09/27/24
  • 5687
WCVE-FM Transmit towers in Midlothian Virginia
Imagine a world without insurance
  • 09/17/24
  • 5442
While that would be a cool plate, it's not real
Need to remove a vehicle from your auto policy?
  • 09/01/24
  • 7019
My new Cricut... I'm gonna need a little more time with this thing.
D I WHY
  • 08/29/24
  • 5274
Drop off day for Freshmen at Longwood University
Important Things College Students Need to Know
Same home, Three sources
Are insurance companies using drones?
  • 08/22/24
  • 5987
Trying to teach the new Mini Sheepadoodle to sit
National Dog Month 2024
A menu on a local food truck at a Tarrington Swim Meet
Food trucks are on the rise!
A map showing the new office behind Bonefish Grill
Midlo Has Moved
  • 07/16/24
  • 5132
We are right there, where the arrow is pointing.
Midlo is Moving
  • 06/27/24
  • 5633
Shannon Springer receives the PIA of VA and DC 2024 Outstanding Commitee Chair of the Year
Shannon Did it Again
  • 06/24/24
  • 7220
A Go Kart speeds by, probably paid for by saving those installment fees
Automatic Bill Payments: Pros and Cons
A fuel nozzle that is lying on the ground after a drive away
Is it Covered - Pump Drive Away
  • 06/05/24
  • 9512
A new John Deer Zero-Turn lawn mower for sale at the Midlothian Lowes
Zero Turn Couch
  • 05/29/24
  • 6710
Our many workbooks from the years of classes
Insurance Designations
  • 05/21/24
  • 5442
Nick Springer, Shannon Springer, Chris Leith and Stuart Dederer
PIA Golf Tournament for the Special Olympics
  • 05/15/24
  • 6072
A jackknifed trailer on Rt 288 in Chesterfield VA
Trailer Towing Tips- How to Prevent Trailer Sway
A fire in my backyard fire pit, dang it was going good!
Fire Pit Safety Tips
A white sedan with a missing passenger mirror
Distracted Driving
Make sure the Fire extinguisher gauge is always in the green!
What is a fire extinguisher and how is it used
This damage was cause by incorrect downspouts - it was not covered by insurance!
Basement flooding prevention
Some new apartments near the Midlothian Walmart
Think Renters Insurance is Only for Your Stuff? Think Again!
Solar Panels on a home in Midlothian, VA
Are solar panels covered by home insurance
One of our Folders for Life Policies
Updating beneficiaries
  • 03/11/24
  • 6129
Water is NOT supposed to be up there....
Protecting Your Home from Stormwater Damage
Your increased speed also increases stopping distance
Speeding Dangers
A Charger that needs some repair work!
An Inside Look- Why Home and Auto Rates Are on the Rise
Fire trucks in Powhatan Virginia drafting water from a dry hydrant.
Sudden and Accidental
  • 01/29/24
  • 6041
Plaster coming off of this wall is not sudden or accidental.
Is this a claim
  • 01/18/24
  • 5365
A Yellow CLub-like device securing a KIA
Hotwire Via USB
  • 01/12/24
  • 5470
A policy with a $14,500 deductible!
Percentage Deductibles
  • 01/09/24
  • 5824
The under side of a GMC Sierra
You Might Be Missing Your Catalytic Converter if
  • 12/19/23
  • 5799
Guard Dog Sitting on the lookout chair
5 most common home insurance liability claims
I don't know if this wrecked car had deer damage but it is pretty broken!
7 Safe Driving Tips During Deer Season
A person trips over a cord -This is actually Chris Leitch - we were filming a trip and fall video... he was not injured!
Protecting Against Slips, Trips and Falls During Winter
The Cutest mini sheepadoodle, EVER
How a dog's breed impacts pet insurance costs
The goodies in your car are expensive to fix, like this GPS
Total Loss Vehicles
An Uninsured Bug
Changes in Virginia Law Regarding Improving UM/UIM Coverage
One of our office's fire extinguishers
Types of Fire Extinguishers
Damaging Winds Basics
A house under wrap in Foxcreek
The 16 Disasters Generally Covered by Homeowners Policies
Hurricane Isabel as it made landfall in North Carolina
Isabel at 20
  • 09/18/23
  • 5990
A house being built, Before Drywall in Foxcreek
Levels of homeowners coverage
Two Kids and a mini-sheepadoodle getting ready for the first day back
Back to School!
  • 08/07/23
  • 6544
Flooding at Smithfield Station in Smithfield Virginia
Safety Tips for the Rainy Season
Our South Hill Office Front desk
The Dreaded Call
  • 07/11/23
  • 6516
Fireworks over Waterside marina in Norfolk Virginia
Leave Fireworks to the Experts
Chris helping our Personal Lines Manager, Marissa
The Most Important Insurance Policies to get?
  • 06/27/23
  • 6378
Doing drywall in a Multi-Million Dollar Home.
Commercial Umbrella Insurance
Lighting Explodes above Midlothian Va
Lightning Safety Awareness Week (June 18-24)
Shannon and her Dad, Chuck
Remembering Fathers
  • 06/17/23
  • 5358
Josh's local grocery store in College Station
Why Is Being Local Important?
  • 06/14/23
  • 5850
There's nothing like Steaks from Costco!
Summer means TIME TO GET YOUR GRILLING ON!
Magnificent Midlothian Food Fest 2019
Being Part of a Community
  • 06/03/23
  • 6841
CIC Life and Health in Lansing Michigan
Lansing, Life and health
  • 05/24/23
  • 5717
Josh pruning tree from the top with a chain saw.
From Landscaping to Insurance
  • 05/12/23
  • 6073
https://www.revolutionlearning.co.uk/article/conscious-competence-learning-model
The Learning Matrix
  • 05/10/23
  • 6454
College Station Water Tower
Back to Texas!
  • 05/08/23
  • 6565
GMC Yukon Sitting in a driveway
What is gap insurance?
Confused clouds
Insured Losses from Mississippi Tornado Nearing $100 Million
Reasons Why You Should Consider Buying A Dash Cam
Chris Singing at band Rehearsal with Fighting Gravity</a>
141 years of Experience
  • 04/19/23
  • 6397
Food Truck Insurance
Do You Need a Commercial Auto Insurance Policy to Deliver Food?
Two five dollar Bills
What is a Deductible
Shannon holding a literal umbrella
Umbrellas For A Rainy Day
  • 02/24/23
  • 6294
When to Change Your Car Battery
How to Drive in the Rain
Should You Review Your Life Insurance?
  • 02/12/23
  • 5360
Are you covered for an auto theft claim?
What to do if your vehicle is stolen
What may and may NOT be covered by Earthquake insurance
Earthquake Coverage
  • 02/06/23
  • 7024
Own a home? Here are two policy options you should know about
How to Prevent Car theft
Why Consider Life Insurance for a child?
  • 01/23/23
  • 5783
Shannon and her mini Sheepadoodle, Sadie Grace
What to Know About an Unlikely Vector for Cyber Threats: Household Pets
Do I have to add a youthful driver to my auto policy
Signs of a Bad Alternator or Battery
Is it Time for a Roof Replacement
Manufactured home buying checklist
Fireworks at Maryland's National Harbor
Health and Safety Tips for Your New Years Eve Celebration
Nick's Dickens Village - Scrooge
Enjoy a Safe Holiday Season
Santa is looking over the Christmas Tree
Tips to manage holiday stress
An Attic vent
Ways to Winterize Your Home
Farm Liability Insurance Coverage
Pay out on total loss vehicle
Do you know your homeowner coverage protects more than just your home?
Tesla Model 3 in a driveway
Risks of all-electric vehicles
Old School filing cabinets
Does your Homeowner Policy cover your Home-Based Business?
  • 09/28/22
  • 6578
Midlothian Mustangs Football Leage
6 Tailgating Safety Tips for Your Pre-Game Fun
Safelite tech using epoxy to repair our truck
Glass Repair
  • 09/20/22
  • 6290
Three important reasons/people at the pool
SEPTEMBER IS LIFE INSURANCE AWARENESS MONTH!
  • 09/16/22
  • 5956
WHEN DOES YOUR PERSONAL CAR BECOME A COMMERCIAL VEHICLE?
WHAT ARE THE BENEFITS OF NOT TURNING IN AN INSURANCE CLAIM?
Drones: Certificated Remote Pilots including Commercial Operators
The DJI Mavic 3 is a great choice for pros
Rules for Flying Drones Commercially
Drone shot of our South Hill location
Own a Drone? Do you know the rules?
What Is the Difference Between Bodily Injury and Medical Payments?
A boat worth $424,000 per www.Yachtworld.com
Boats and ... Umbrellas?
  • 08/09/22
  • 6100
How Do Those Car Insurance Tracking Devices Work?
What should be the main deciding factors for homeowners in an insurance policy
Shannon Springer overlooking calving glaciers in Alaska
Travel Insurance
Preparing for Motorcycle Safety Awareness Month
Building a Hurricane Emergency Kit
What is a Protection Class Code?
Things take time to grow- like that flower
It's Worth Spending a Little Time
  • 05/03/22
  • 6780
A proud client and his Rig
Commercial Trucking Insurance: Basic Facts for Independent Truckers
A car with scratches down the side
What to Do After a Car Accident
April is Child Abuse Prevention Month
Window cleaner 4 stories up at our building - no way I would do that!
All Businesses Should Carry Work Comp
  • 04/07/22
  • 6930
Some grain silos in Kenbridge Virginia on South Hill Road
Farm Use Tags
A NOAA Chart of the Lower Chesapeake
Boat and Water Safety Tips
SR-21 from a long time ago
DMV SR-22 filing
An aerial picture of the Tropical Storm Gaston damage at Falling Creek Apartments
Location, Location, Locations!
  • 03/23/22
  • 6363
Handshake and keys for the new mini van
New Car, Take Care
  • 03/18/22
  • 6649
We proudly display our Long Hours
Til 7pm!
  • 03/16/22
  • 6869
A picture of an agent pondering full coverage for a toy Delorean and Tesla
Add Full Coverage to Older cars??
  • 03/03/22
  • 6746
How much life insurance Do I need?
  • 02/18/22
  • 7084
A screen shot of the new Virginia Law mandating higher minimum liability limits
New Increased Limits
  • 01/03/22
  • 6974
Screen grab from our expert ranking
We Are Officially Experts!?
  • 12/01/21
  • 6670
OK, so this is not a mobile home. Its' actually a single-family dwelling in The Woods at Summerford in Chesterfield.
6 Advantages of Manufactured Homes
Smithfield Station poker run
It's time to Winterize your boat!
  • 09/28/21
  • 6738
No Gig waiver
NO Coverage for GIG Driving
  • 09/08/21
  • 7755
A smiling Peggy with the new company Car
Black and White and Smiles all Over
  • 07/29/21
  • 7177
Screen Grab of our domain Registration
SpringerEmail.com
  • 05/26/21
  • 8165
Our office in Harbour Point Midlothian
739-9500 Why 9500?
  • 11/02/20
  • 8295
Falling Creek Flood during Gaston
You live in a Flood Zone!
  • 10/02/20
  • 7752
A toy beetle... no coverage!
Do You Have Full Coverage?
  • 09/30/20
  • 7451
A Hendricks Concrete Roof that has just been repaired with sealant.
5 DIY Roof Maintenance Tips
UVA vs William and Mary Football Game in Charlottesville
It's back-to-school time, is your house ready?
A Carplay screen showing the WAZE app
Remote car starter safety tips
Insurance Terms to Know

Experience Modification Factor

An experience modification factor adjusts workers compensation premium based on an employer's loss history compared with similar businesses.

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