Insurance for Northern Virginia
Capital Insurance Partners is an independent brokerage licensed in Virginia. From our office in Friendship Heights, in upper Northwest DC, we insure homes, families and businesses in Arlington, Alexandria, McLean, Falls Church, Fairfax and Loudoun County.
One broker on both sides of the river
Being independent, we compare carriers for you rather than selling one company's policy, the same way we do for our DC and Maryland clients.
Private Client
Home, auto, umbrella and valuables for Northern Virginia families with significant homes and assets. Private client insurance
Business Insurance
General liability, workers’ compensation, commercial auto, professional and cyber liability for Virginia businesses. Commercial insurance
Life Insurance
Term and permanent life, placed with the top-rated carrier that fits your family. Life insurance
How insuring in Virginia is different
Claims stay on your record longer
In DC and Maryland a claim surcharge typically runs three years. In Virginia it is five years for surcharge and rating, and carriers look back seven years for eligibility. A higher deductible is worth more here. Bryan on the five-year rule
Loss of use is generally strong
On the Virginia homeowners policies we place, loss of use typically runs two years with no dollar limit, which matters enormously after a total loss.
Moving across the river? Sequence it
Your policy state, registration state and license all need to line up. Keep coverage in force until the registration moves. How to time a move
Buying further out? Check protection class first
Homes far from a fire hydrant or fire station get a poorer protection class, which raises the premium and can rule some carriers out. Ask us before you make an offer. Buying a rural home
Straight answers
Yes. Capital Insurance Partners is licensed in Virginia, as well as in DC, Maryland, Pennsylvania, New York and Florida. Your policy is issued by the carrier under Virginia's rules; where our office sits doesn't change your coverage or how a claim is handled.
Longer than in DC or Maryland. A claim surcharge there typically runs three years. In Virginia the experience period for surcharge and rating is five years, and carriers look back seven years when deciding whether to insure you. That makes a higher deductible worth more in Virginia, and it raises the bar for filing a small claim.
Line up three things: the state on your policy, where the cars are registered and your driver's license. They don't change at the same moment, so keep coverage in force until the registration has actually moved, and expect the premium to change with the address. Tell us your closing and DMV dates and we'll sequence the policies around them.
