November is a season for full tables, busy kitchens, and people coming and going. If your household or travel routine has changed, I can help you think through home and auto insurance questions. A short conversation can help you organize what may need attention before year-end.

📞 Need an insurance quote or coverage review? I’m always here as your local insurance resource—feel free to reach out anytime to discuss your coverage or request a personalized insurance quote.

I have been in the industry since 1993 & absolutely love assisting others to avoid the unexpected. The mother of 3 wonderful young adults, a grandson, a beautiful daughter-in-law (a daughter in-law to be) and handsome son-in-law and my parents, whom I enjoy spending time with. If I am not helping you with your insurance needs (Auto, Homeowners, Motorcycle, Boat, RV, ATV, Business Insurance, Life Insurance, Loan Protection, Paycheck protection insurance, Personal Articles Coverage, Personal umbrella coverage, Retirement and Financial Needs; I will be on our small farm or out enjoying the outdoors or good food with family and friends.

I look forward to being of assistance to all existing and future policy holders; and participating in local events in both states (VA and WV). Come See us for all of your insurance needs and to receive a complimentary review or quote.

Let's not leave anything unprotected or leave your family in a position that their lifestyle must change.

We have an affiliation with US Bank offering CD's, Credit Cards and more. As well as an opportunity to do auto financing and debt consolidation.

Serving Virginia (Alleghany, Craig, Bath, Highland County, Giles, Montgomery Counties and more) and West Virginia (Monroe, Greenbrier, Summers, Raleigh, Fayette, Pocahontas Counties are a few)!

And my fabulous staff, they too are here to help you and your family!

Frequently Asked Questions (FAQs):

Q: How do I get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Looking for coverage? Talk with Melissa about your options in Covington.

Q: How quickly can car insurance coverage start?

A: Car insurance coverage can often start the same day, depending on your situation. Melissa is proud to serve the Covington community.

Q: What kind of insurance do I need for a leased vehicle?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Serving Covington and the surrounding area, Melissa can help answer your questions.

Q: How would you explain renters insurance?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. Melissa, your local State Farm agent in Covington, VA, is here to help.

Q: What does home insurance cover?

A: Homeowners insurance can help protect your home, personal property, personal liability, and additional living expenses after a covered loss. Have questions? Melissa in Covington can walk you through your options.

Q: What is life insurance?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Melissa works with Covington residents to find coverage that fits.