Personal Insurance Blog

Understanding Copays and Coinsurance | Blue Ridge Risk Partners

Rebecca Wilson — Thu, 30 Apr 2026 17:44:49 GMT

Health insurance jargon can be confusing. But it’s crucial to understand the terminology so that you can make the most of your coverage and choose the plan that is best for you.

Personal Protective Equipment at Home | Blue Ridge Risk Partners

Blue Ridge Risk Partners — Thu, 30 Apr 2026 13:58:56 GMT

You might wear personal protective equipment (PPE) at work because you are exposed to certain hazards while performing your assigned tasks. The type of PPE you use is based on a risk assessment that identifies the hazards and exposures.

Why an Insurance Company’s Credit Rating Matters | Blue Ridge Risk Partners

Davila — Tue, 28 Apr 2026 16:21:18 GMT

Insurance companies transfer individual and business risk for a price. They crunch numbers and calculate risk scenarios to develop pricing strategies that balance profits and payouts. Profits allow insurance companies to manage their cash so it’s available when their customers make claims. An insurance company’s ability to pay its debts and claims makes it stable. It’s the reason for buying insurance in the first place.

Understand the Laws of the Country You’re Visiting

Blue Ridge Risk Partners — Tue, 28 Apr 2026 14:56:38 GMT

International travel can be exciting but overwhelming. An essential (and often overlooked) part of travel planning is reviewing the laws of your destination country, which may be very different from American laws.

Choosing the Right Metal Roof: A Guide to Protecting Your Home

Davila — Tue, 14 Apr 2026 20:00:50 GMT

Metal roofs are becoming an increasingly popular choice for homeowners, thanks to their durability, modern appeal, and ability to stand up against the elements. But not all metal roofs are built the same, and understanding the differences can have a big impact on how well your home is protected—and how it’s insured.

Essential Home and Car Maintenance Tips | Blue Ridge Risk Partners

Davila — Tue, 14 Apr 2026 19:55:10 GMT

Spring is in the air, bringing with it the promise of renewal and fresh beginnings. As the days grow longer and the temperatures rise, it's the perfect time to give both your home and car a much-needed refresh. Here are some essential maintenance tips to help you embrace the season with confidence.

What are Deductibles? | Blue Ridge Risk Partners

Blue Ridge Risk Partners — Tue, 14 Apr 2026 19:49:55 GMT

When you’re shopping for coverage with an insurance company, you may have several options from which to choose. Having some knowledge of the basic terminology is beneficial in understanding the plans and picking the one that works best for you.

Why You Should Notify Your Insurance Agent of a New Vehicle

Admin — Tue, 14 Apr 2026 19:39:52 GMT

Notifying your insurance agent when you get a new vehicle is crucial for several reasons:

Cyberstalking — How To Recognize and Report It | Blue Ridge Risk Partners

Admin — Tue, 14 Apr 2026 19:32:41 GMT

No one should have to live in fear online.

Should You Consider Telematics or Usage Based Insurance?

Admin — Tue, 14 Apr 2026 19:26:58 GMT

Two Out of Three American Homes Are Under Insured Don't Be One Of Them

Sharon Meadows — Tue, 14 Apr 2026 19:12:29 GMT

Roofing Requirements for Insurance Carriers in West Virginia

Davila — Tue, 14 Apr 2026 17:47:36 GMT

In West Virginia, insurance carriers have specific roofing requirements that can affect your eligibility, premiums, and claims. Whether you're a homeowner or a contractor, understanding these requirements is essential.

What Does it Mean to be Additional Insured? | Blue Ridge Risk Partners

Admin — Tue, 14 Apr 2026 17:42:12 GMT

What Does Additional Insured mean?

An additional insured broadens the scope of liability insurance coverage beyond the named insured to encompass additional individuals or groups. Insurance policies can be complex and filled with technical jargon, making it challenging for individuals and businesses to fully grasp their coverage. One term that often causes confusion is "additional insured." In this blog post, we will clarify the meaning of "additional insured" and shed light on its significance in insurance policies.

Everything You Need to Know About RV Insurance | Blue Ridge Risk Partners

Admin — Tue, 14 Apr 2026 17:39:47 GMT

Does Your Policy Cover Costs to Demolish and Rebuild?

Admin — Tue, 14 Apr 2026 17:37:56 GMT