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Specialized Insurance offers auto, home, life, and business insurance.

Insuring Charlottesville and All of Virginia

Our philosophy is that businesses and families deserve plain spoken risk management advice and comprehensive insurance policies at a price they can afford. It doesn’t matter if you are starting a business, hiring employees, buying a building, purchasing a new vehicle, or building a home. To us, these are opportunities. It is our pride and passion to help create opportunities for businesses and families. We do this by applying practical, appropriate coverage with cost effective policies from insurance carrier partners who are long-term focused on the demands of similar clients, with similar risk profiles.

Replacement Cost vs. Market Value: What's the Difference?

Posted: May 1, 2024

If you were asked to describe the state of the housing market over the past few years, it could be summarized in one word: expensive.According to Home Bay, a real estate education platform, U.S. home prices increased an astounding 42% in the three years between March 2020 and March 2023.That data also showed that the national median home price rose to $468,000 as of 2022,...

What Does Homeowners Insurance Cover?

Posted: April 29, 2024

We all hope to never need that policy, but do you know exactly what a homeowners policy covers? The answers may surprise you and even save you some money in areas you never realized!Homeowners policies offer a wide range of coverages, from your home itself and structures on your property to liability coverage, even to loss of income coverages. As always, coverage will vary from policy...

Your Quick and Easy Guide to Electrical Safety at Home

Posted: April 29, 2024

Electrical dangers are serious business. From risk of shock to potential fires, you’ve got plenty of reasons to make sure your home’s electrical systems are in good shape and safe working order. Fortunately, in most houses, a simple walkthrough can help you identify and avoid the most common risks. (Having the right homeowners insurance can provide peace of mind, too.)Most fixes are simple and inexpensive, if...

Phone: (434) 529-6000