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Pacati Insurance Group

6066 Leessburg Pike
Suite 440
Falls Church, VA 22041

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Pacati Insurance Group Blog

How much health insurance do you need in Falls Church?

Falls Church, VA is a beautiful community of caring individuals. As such, many are drawn to the neighborhood to raise families and live out their golden years of retirement. Even in Falls Church, though, lies the potential for a medical emergency that may require a hospital visit. Such is one reason to buy health insurance from Pacati Insurance Group.

The healthcare gamble

Many consumers get into the hunt for health insurance without the tools needed to get the most out of their search. It is important to note that you have options even when choosing a health insurance policy through your employer’s benefits package. 

Things to consider when choosing your plan

Some entrepreneurs only consider the cost of premiums when selecting an indemnity plan for their budget. Going with the policy that offers the cheapest monthly payments, however, is not always beneficial as high deductibles could keep you from seeing the doctor when you need to schedule an appointment the most. 

Consumers should, then, consider premium costs concerning the out-of-pocket expenses they can afford. You may find it more fruitful to purchase an indemnity plan with higher monthly payments and low co-payments if you plan to visit your physician often. On a different scale, paying high premiums if you do not plan to schedule a visit with the doctor for preventative care may not be the best way to get the most out of your policy.

How much health insurance do you need in Falls Church, VA?

The amount of health insurance you need in Falls Church largely depends on your lifestyle. Those with chronic illnesses who heavily rely on Western medicine for cures may benefit from higher monthly payments. Meanwhile, individuals in moderately good health who are more inclined to use home remedies first and schedule a visit to the doctor’s office last may benefit from a skeleton insurance plan. 

Regardless of how much health insurance you choose, it is essential to talk with an expert about your options for indemnity coverage. Call Pacati Insurance Group today to purchase your health insurance plan.

What type of life insurance is best for me?

When it comes to life insurance, you may have lots of questions. Life insurance is something that few people talk about, and it is one of the least understood types of insurance. One thing is definite; you should buy life insurance as early in your life as possible. The premiums go up as you age, and for the best rates, youth is on your side. Understanding the part life insurance plays in financial planning can help you make the right decisions about what type of life insurance is best for you. At Pacati Insurance Group in Falls Church, VA, insurance and financial services are what we specialize in. 

Life insurance comes in two basic types, whole life and term life. Both types have a place in your financial plan. Both provide a death benefit, but that’s where the similarity ends. 

Whole life

Whole life insurance stays with you for your entire life, and so do the premiums. They will never go up, and you will also earn dividends. The value of your policy will increase. You can borrow against the cash value you have accumulated. It comes in handy when you are buying a house or sending your children to college. For this reason, it is usually more expensive to purchase whole life. 

Term insurance

Term insurance is purchased for a specific term. It can be from 5 years to 30 years. It does not accumulate any cash value. You are paying for the protection it offers. It is less expensive to buy, and when you need a large amount of insurance, it is a good deal. At the end of the term, some policies will allow you to extend the period, but the price will increase. 

Life insurance offers your dependents a safety net in the event you pass away. It can also offer financial security. To discuss your life insurance needs, give the office of Pacati Insurance Group in Falls Church, VA a call, or stop by for a no-obligation quote.

Why is safe driving important?

Driving safely should be ingrained in your mind from your teenage years onward–but what does safe driving mean in the modern age? Pacati Insurance Group, serving Falls Church, VA, is pleased to let you know.

The standard rules of safe driving still apply. Look both ways at every light or stop sign. Do not exceed the speed limit. Look before changing lanes. Keep your eyes ahead of you on the road. Be aware of what other vehicles on the road are doing.

However, smartphones have given rise to a modern road hazard: distracted driving. Do not text or otherwise use any of your electronic devices while you are behind the wheel. If the phone rings, or if you need to send a text or make a call, ignore it, or pull over to the side of the road or into a nearby parking lot.  Stop and take care of what you need to do. If you have a passenger, ask him or her to take care of any urgent communications for you.

Modern vehicles sometimes come with safety features such as collision avoidance or lane-changing warnings. When you buy a new car, ensure that all or some of these features are included. They can be the difference between an accident and avoiding an accident.

The goal of any road trip is to get to your destination safely. At best, a car crash can be inconvenient and expensive. At worst, it can be fatal. Having proper insurance in place is always a smart option, as well.

For more questions about auto insurance, feel free to contact Pacati Insurance Group, serving Falls Church, VA.

Basics of Commercial Insurance for Small Businesses

You started your business with a beautiful idea about how to improve a particular service or deliver a new product to clients. You’ve worked hard to make this vision a reality. Now you need to protect your growing business with the right commercial insurance. Our agents at the Pacati Insurance Group work with small business owners in the Fairfax, VA area to get the financial protection they need. 

Commercial insurance policies are several policies bundled together. One of the most important is liability protection. This protects the company if someone is injured at a location, by-products, or services. Secondly, property insurance covers any structures that the business owns. It also includes a building’s contents such as computers, inventory, and materials. Workers’ compensation covers employees who are injured at work. These are the basic policies. Additional ones, such as commercial auto insurance or professional liability coverage, can be added if needed. Some businesses also invest in business continuity coverage, which protects if the company is temporarily unable to operate. It can help bridge any downtime. If the business is located in a high flood zone, flood insurance will need to be added. 

In the Fairfax, VA area, our agents at Pacati Insurance Group can help you decide the type of coverage your small business needs. We’ll spend the time getting to know you and your company so that we can recommend the best policies to protect your growing business financially. Our team works with a wide variety of business types. They have the experience you need to make smart choices. You’ve worked hard to build your business and keep it growing as you bring new ideas to the marketplace. Don’t let it all be put at risk. Protect it today. Call or come by for the options for your company’s needs!

Does My Home Policy Cover Theft?

One of the questions that most homeowners ask is if their home insurance policy will cover the theft of items during a burglary or just petty theft? The answer is yes. Your home insurance policy is in place to give you peace of mind. While many think of a home insurance policy as protection in the event of a fire or other disaster, they cover more than you think. At Pacati Insurance Group, our agents work with homeowners in the Fairfax, VA area to put the right coverage in place. Consider your home insurance policy to be financial protection if something should happen. 

The home insurance policy not only covers the physical structure of the home but all of its contents, including personal items and furniture. This coverage extends to items that are damaged or stolen when you are away from home. For instance, if your laptop is stolen from the local library or coffee shop, it is still covered by the home insurance policy. The policy will provide funds to repair or replace the item up to the coverage cap.

Beyond this, your policy also provides liability coverage that protects you if someone is hurt on your property. It also covers any structures on the property, such as outbuildings or fences. This means that if something is stolen from the outside of the home, it will still be protected. While you should always take precautionary measures, you have recourse if something goes wrong.

In the Fairfax, VA area, our team at Pacati Insurance Group is ready to talk with you about your home insurance options. Explore our website for general information, then when you’re ready, call or come by to speak with one of our knowledgeable agents. We want to help you protect your home and personal possessions. Call today!

Servicing States

  • Virginia
  • Maryland
  • DC
  • Pennsylvania

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!