Personal Products

Auto Insurance

Auto Insurance in Virginia

GOOD DRIVERS ARE RESPONSIBLE DRIVERS.

From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared if an accident occurs.

At Jenkins Insurance & Financial Services, Inc., we combine auto insurance with personalized service to give you the coverage that meets your needs and budget. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected – for peace-of-mind driving.

As your trusted source for car insurance, Jenkins Insurance & Financial Services, Inc. offers a variety of coverage and additional protection options, such as:

  • Liability coverage
  • Collision coverage
  • Comprehensive car insurance
  • Vanishing Deductible®
  • Uninsured motorist insurance
  • Underinsured motorist insurance
  • Medical payments coverage
  • Personal injury protection (PIP) insurance
  • Accident Forgiveness
  • Roadside Assistance
  • Towing and labor insurance
  • Rental reimbursement insurance
  • Classic car insurance

WHY AUTO INSURANCE?

Insurance is designed to give you the peace of mind you need to enjoy your assets without worry, and auto insurance should be no different. That’s why works with you to build a personalized insurance plan, so members can be sure they are getting the policy that fits their driving style, vehicle value, and level of activity on the roads of Harrisonburg.

We provide car insurance to drivers near Harrisonburg, Rockingham, Bridgewater, Elkton, Broadway, and Staunton.

Several listed features are optional and carry additional costs and terms. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Vanishing Deductible, Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide

Coverage Options for Auto Insurance

Classic Car

Classic Car in Harrisonburg, VA and Rockingham, VA

 

CLASSIC CAR INSURANCE IN HARRISONBURG AND ROCKINGHAM

Whether it’s just a hobby, or it makes you a living, your classic car deserves the best protection. At Jenkins Insurance & Financial Services, Inc., we have experience providing classic car insurance to residents in Harrisonburg, Rockingham, Bridgewater, Elkton, Broadway, and Staunton, and surrounding areas throughout VA. Nationwide has partnered with Hagerty®, the global leader in classic car insurance, to provide coverage for members who appreciate the classics.

CLASSIC AUTO INSURANCE COVERAGE

We take the time to understand every customer’s unique insurance needs, and help them create a plan that meets their lifestyle. Our classic car insurance coverage includes:

  • Antique and classic cars
  • Postwar vehicles
  • Muscle cars
  • Classic trucks and utility vehicles
  • Vintage motorcycles and scooters
  • Modified vehicles – like hot rods, tuners and lowriders
  • Antique tractors
  • Vintage race cars
  • Classic military vehicles
  • Kits and replicas
  • Retired commercial vehicles
  • Vehicles under construction

LOCAL AGENTS WORKING FOR YOU

As a local agency, we make ourselves accessible to our clients when they need us most. Call or contact us to learn more about this coverage. To get started on a policy, request a quote.

Another option for this page is to list the reasons why Nationwide is the best option for classic car insurance as listed on https://www.nationwide.com/hagerty-classic-car-insurance.jsp

Details and availability vary by state. Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Columbus, Ohio.  Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Hagerty is a trademark of The Hagerty Group, LLC. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.

Personal Injury Protection

Personal Injury Protection (PIP) in Harrisonburg, VA and Rockingham, VA

 

COVERAGE THAT HELPS YOU GET WELL.

At Jenkins Insurance & Financial Services, Inc., we know that the safety and well-being of you and your family is important, both on and off the road. Since auto accidents can involve more than just damage to your car, they can involve injuries to you or a family member as well, and we’re here to help you be prepared.

Personal injury protection may pay for as much as 80% of medical and other expenses that result from a covered accident, depending on the limits of the policy. With Personal Injury Coverage from Jenkins Insurance & Financial Services, Inc., you’ll have a policy that may help pay for the treatment of you and your family members, should someone get injured as a passenger or pedestrian. PIP extends to help cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. PIP can also extend to help with passengers’ bills.

Don’t let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Injury Coverage from Jenkins Insurance & Financial Services, Inc..

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Rental Reimbursement

Rental Reimbursement in Harrisonburg, VA and Rockingham, VA

 

GET BACK ON THE ROAD FASTER.

We understand that your days are busy, and between work and your family, not having a car can be an inconvenience. If your vehicle is out of commission after a covered accident or theft, Jenkins Insurance & Financial Services, Inc. offers optional Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is a coverage option that pays the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with an insurance specialist from Jenkins Insurance & Financial Services, Inc. to understand what’s covered and see if you qualify for this additional service.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Minor Violation Forgiveness

Minor Violation Forgiveness in Harrisonburg, VA and Rockingham, VA

 

EVERYONE DESERVES ANOTHER CHANCE.

We know that if you’re a safe driver, you probably take every precaution possible when behind the wheel. But if you receive a citation, your driving record will likely be affected, but your insurance premium doesn’t have to be.

At Jenkins Insurance & Financial Services, Inc., we can add the Minor Violation Forgiveness coverage option to your policy, and help you avoid a premium surcharge after you receive a citation. 

With Minor Violation Forgiveness, if you receive a minor traffic citation, you’ll have the assurance that your rates won’t increase, just because of that violation. Like Accident Forgiveness, the coverage renews after three years of the most recent minor violation. (Minor Violation Forgiveness applies to only one minor violation at a time, per driver not per policy.)

To find out more, contact Jenkins Insurance & Financial Services, Inc. today.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Medical Payments Coverage

Medical Payments Coverage in Harrisonburg, VA and Rockingham, VA

 

YOU CAN’T PUT A PRICE ON SAFETY.

When it comes to the security of you and your family, nothing should be left to chance. If you or your loved ones are involved in a car accident, Medical Payments Coverage can supplement your primary health coverage, allowing you and your loved ones to receive the care and treatment they need while keeping your finances and savings intact.

An auto policy that includes Medical Payments coverage helps pay medical expenses for you and your passengers, in the event of a covered auto accident. This coverage complements your personal health insurance, and protects you regardless of who is at fault. It even extends to the policyholder’s family members, as well as any passengers in the vehicle.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, the right auto insurance policy can help remove those worries.

Contact Jenkins Insurance & Financial Services, Inc. today to learn about how the right coverage can keep those you care about most protected.

Several listed features are optional and carry additional costs and terms. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Vanishing Deductible, Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Uninsured & Underinsured Motorist

Uninsured and Underinsured Motorist Coverage in Harrisonburg, VA and Rockingham, VA

 

NOT EVERY DRIVER IS A RESPONSIBLE DRIVER.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, some drivers on the road don’t share the same safety precautions as you. And if you’re involved in an accident with a motorist who doesn’t have the right coverage, you may have to take care of any medical payments, damages, or other expenses with money from your own pocket.

IT’S IMPORTANT TO BE PREPARED FOR EVERYTHING

Uninsured/Underinsured Motorist Coverage can give you the assurance that your medical expenses will be covered. In cases where the at-fault driver does not have liability insurance, Uninsured Motorist Coverage may cover expenses caused by the a covered accident.

There are two distinct kinds of coverage included in an Uninsured Motorist Coverage Policy:

  • Uninsured Motorist Bodily Injury (UMBI) can cover income losses, medical bills, or other expenses for you and your passengers. 
  • Uninsured Motorist Property Damage (UMPD) can cover damage to property, including your car.

Underinsured Motorist Coverage may cover damage related to an accident where the other driver’s insurance policy limits were not enough to cover the full cost of damages. Like Uninsured Motorist Coverage, this coverage includes both bodily injury and property damage.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Jenkins Insurance & Financial Services, Inc. to find out how you can be prepared for any situation on the road.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Vanishing Deductible, Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Home Insurance

Home Insurance in Virginia
 

PROTECT YOUR HOME AND EVERYTHING IN IT.  

At Jenkins Insurance & Financial Services, Inc.,  we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage  to keep your investment protected.

Jenkins Insurance & Financial Services, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:  

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Scheduled Property Insurance
  • Landlords Insurance

WHY HOME INSURANCE?

Accidents can happen at any time. Having the right insurance can help protect your home and belongings.

While standard Home Insurance can cover fire and weather damage, as well as injuries of others and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Jenkins Insurance & Financial Services, Inc. about specific coverage options to meet your individual needs.

Jenkins Insurance & Financial Services, Inc. provides Home Insurance for residents near Harrisonburg, Rockingham, Bridgewater, Elkton, Broadway, and Staunton.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Coverage Options for Home Insurance

Homeowners Liability

Homeowners Liability in Harrisonburg, VA and Rockingham, VA

 

PROTECT YOURSELF, YOUR HOME, AND YOUR FINANCES.

Accidents can happen, even at home. If someone were to claim an injury on your property, as the property owner, you could be held financially responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a liability protection as part of a Homeowner’s policy from Jenkins Insurance & Financial Services, Inc., you can protect your finances in the event of a visitor’s accident. For serious injuries, you may be responsible for paying large medical bills. This coverage works to help protect you in a variety of situations, including:

  • Claims for other’s property damage
  • Claims for injury to others (either on or off the premises)
  • Liability defense costs
  • Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Jenkins Insurance & Financial Services, Inc. to determine the right amount of coverage to keep you protected today.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Mortgage Protection

Mortgage Protection Insurance in Harrisonburg, VA and Rockingham, VA

 

KEEP THE FAMILY HOME IN THE FAMILY

You have always been there for your family, and you want to make sure they are taken care of after you are gone.

Mortgage protection insurance from Jenkins Insurance & Financial Services, Inc. is a simple and affordable way to safeguard your family against the financial burden of an outstanding mortgage in the event of your death, by helping to pay off the remaining balance up to a specified amount. With the right coverage, your family can continue living in the house they have come to call home.

Talk with an insurance specialist at Jenkins Insurance & Financial Services, Inc. to see if mortgage protection insurance is right for you and to discuss other life insurance options to give your family the peace of mind they deserve.

NFW-7751AO (02/18)

 

Scheduled Property Insurance

Scheduled Property Insurance in Harrisonburg, VA and Rockingham, VA

 

SECURITY FOR YOUR MOST SPECIAL POSSESSIONS.

At Jenkins Insurance & Financial Services, Inc., we know that your personal belongings are an extension of you. The Personal Property Insurance of your Homeowners policy will help protect your valuables up to a certain amount, but may not adequately cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners, Condo or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy can help pay for the expense of a repair or replacement.

Should you decide to add the protection of SPP Insurance, one of the specialists at Jenkins Insurance & Financial Services, Inc. will work with you to determine the replacement cost of each item you would want to have insured.

Jenkins Insurance & Financial Services, Inc., we can create a policy that fits your specific needs in order to protect your most personal belongings.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Landlord Insurance

Landlord Insurance in Harrisonburg, VA and Rockingham, VA

 

RENT WITH CONFIDENCE.

A rental property is an important asset that can provide a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Jenkins Insurance & Financial Services, Inc., you’ll receive a policy with the right level of protection to help keep yourself and your rental property insured.

A Landlord policy can provide options to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

  • Damage to your property or other attached structures from a covered fire, natural disaster, or other perils.
  • Expenses you may be legally obligated to pay, such as property damage or medical payments in the event of injury to a third party
  • Legal counsel and fees in the event of a related lawsuit
  • Additional expenses to make up for lost income if your property needs to be repaired due to a covered loss

Because of the variety of options available, an insurance specialist at Jenkins Insurance & Financial Services, Inc. is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence that your investment is secure.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

 

Life Insurance

Life Insurance in Virginia
 

PROTECT WHAT MATTERS MOST

Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Jenkins Insurance & Financial Services, Inc., we’ll work with you to keep your family protected.

A proper life insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At Jenkins Insurance & Financial Services, Inc., we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your life insurance options with a specialist you can trust.

Whatever your situation, we offer life insurance options such as:

  • Individual Life Insurance
  • Group Life Insurance
  • Long-Term Care Insurance
  • Mortgage Protection Insurance
  • Disability Insurance
  • Second-To-Die Policy
  • Key Person (Key Men) Insurance

WHY LIFE INSURANCE?

Life insurance is one of the most important investments you can make. It’s an investment in yourself and the future of your loved ones, and it’s a way to secure your financial responsibilities to your family.

Your life insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.

*As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

NFW-7747AO (02/18)

 

Coverage Options for Life Insurance

Individual Life

Individual Life Products in Harrisonburg, VA and Rockingham, VA

 

REASSURANCE FOR YOU AND YOUR LOVED ONES

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, life insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Your beneficiaries will be able to use your life insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage.

At Jenkins Insurance & Financial Services, Inc., we know that choosing a life insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals are committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.

TYPES OF INDIVIDUAL LIFE INSURANCE

Jenkins Insurance & Financial Services, Inc. offers several different coverage options for your consideration including term life and whole life insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.  

There are two types of term life insurance:

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Jenkins Insurance & Financial Services, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.

An insurance specialist with Jenkins Insurance & Financial Services, Inc. will review your current life insurance situation and help you design a policy to plan for the future.
At the end of the day, one of the biggest investments you can make is an investment in yourself.

*As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

NFW-7748AO (02/18)

 

Group Life

Group Life Insurance in Harrisonburg, VA and Rockingham, VA

 

YOUR EMPLOYEES ARE THE BACKBONE OF YOUR BUSINESS

Having an impressive benefit package is essential for maintaining a happy and productive workforce. Since life insurance is the foundation of every health package, employees look to their employer to provide that valuable coverage not only for themselves, but also for their families.

At Jenkins Insurance & Financial Services, Inc., we offer a variety of flexible group life insurance solutions that benefit both you and your employees. As an employer, you can enjoy financial advantages such as income-tax deductible premiums and life insurance protection at a low group rate. Group life insurance also can contribute positively to the productivity of your business by reducing employee turnover and strengthening employee morale and loyalty.

To learn more about the group life insurance options available to your business, get in touch with a specialist at Jenkins Insurance & Financial Services, Inc.. Our professional staff will gather information about your business and help design a plan that fits your needs and objectives for a desirable group life plan.

*As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

NFW-7749AO (02/18)

 

Long Term Care

Long-Term Care Insurance in Harrisonburg, VA and Rockingham, VA

 

PERSONAL AND FINANCIAL PROTECTION FOR THE LONG TERM

For most Americans, a traditional life and health insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Jenkins Insurance & Financial Services, Inc., we offer extensive coverage options that can insure the care of those who need it most.

Long-term care insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require long-term care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of long-term care can be quite expensive, and are typically not covered under basic health insurance, Medicare, or Medicaid. Long-term care insurance from Jenkins Insurance & Financial Services, Inc. can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Hospice Care
  • Nursing Homes
  • Respite Care

Individuals looking to purchase long-term care insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Jenkins Insurance & Financial Services, Inc. to learn more about long-term care insurance.

*All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

NFW-7750AO (02/18)

 

Disability Insurance

Disability Insurance in Harrisonburg, VA and Rockingham, VA

 

YOUR BIGGEST ASSET IS YOU

When it comes to protecting your assets, one of the most important things you can insure is your ability to work and earn a living. At Jenkins Insurance & Financial Services, Inc., we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.

With disability income insurance from Jenkins Insurance & Financial Services, Inc., you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two- or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at Jenkins Insurance & Financial Services, Inc. will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.

NFW-7752AO (02/18)

 

Second-To-Die Policy

Second-To-Die Policy in Harrisonburg, VA and Rockingham, VA

 

ENSURE THE FUTURE OF YOUR ESTATE

Between physical assets and financial successes, there are many things that married couples share. Jenkins Insurance & Financial Services, Inc. knows that couples today can accumulate wealth and assets that can mean hefty estate taxes in the event of either spouse’s passing. A second-to-die policy, also known as survivorship insurance, is a type of joint insurance that covers the lives of two people, usually married couples, where the death benefit is not paid until the death of the second insured person.

Under federal tax law*, you are permitted to leave an unlimited amount of personal assets to the surviving spouse, allowing you to postpone estate taxes until the death of the second spouse. While this lets you keep personal assets, such as home or business, within the family, it also means that your beneficiaries may be faced with paying a large estate tax after your passing.

A second-to-die policy from Jenkins Insurance & Financial Services, Inc. gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you’ve worked hard to attain. And because the policy insures more than one person, you may also enjoy a lower premium, and the total cost of the insurance may be cheaper than the estate taxes your beneficiaries will be liable to pay.

Due to the specialized nature of second-to-die insurance, some limitations may apply. It’s important to discuss your options with an insurance specialist from Jenkins Insurance & Financial Services, Inc. to determine the right amount coverage for you and your family.

*Federal income tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

NFW-7753AO (02/18)

 

Powersports Vehicle

Powersports Vehicle Insurance in Virginia
 

THE ROAD LESS TRAVELED

Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Jenkins Insurance & Financial Services, Inc. offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Whether you are an experienced outdoor enthusiast or just starting out, we have a policy to fit your needs – from RVs and boats to motorcycles, Jenkins Insurance & Financial Services, Inc. can help protect you and your vehicle. Our insurance options provide you with the same service and rich features you can expect – from comprehensive and collision coverage to personal injury protection and towing costs.

We offer insurance policies for a variety of powersports vehicles, such as:

  • Boats
  • Motorcycles
  • Motorhomes
  • ATVs
  • Snowmobiles
  • Scooters

WHY POWERSPORTS VEHICLE INSURANCE?

Owning a powersports vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it is reassuring to know that your investment is protected.

With Powersports Insurance from Jenkins Insurance & Financial Services, Inc., you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our representatives today to find a package that works best for you.

Jenkins Insurance & Financial Services, Inc. provides Powersports Insurance to adventurers near Harrisonburg, Rockingham, Bridgewater, Elkton, Broadway and Staunton.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

 

Coverage Options for Powersports Vehicle

ATV Insurance

ATV Insurance in Harrisonburg, VA and Rockingham, VA

 

EXPLORE THE TRAILS WITH CONFIDENCE

As you are riding your ATV, the last thing you want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Jenkins Insurance & Financial Services, Inc., you can ride with confidence knowing you are covered.

Whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can find the ATV Insurance you want and the protection you deserve with specialized coverage options, including:

  • Collision Coverage – for damage to your ATV from an accident with another vehicle
  • Comprehensive Coverage – as security for loss or damage from theft, fire, or vandalism
  • Property Damage – to cover expenses to another person’s property for which you are liable
  • Bodily Injury – to pay medical expenses to others if you are held liable in an accident
  • Uninsured Motorist – to protect you from loss or damage caused by an uninsured rider

Jenkins Insurance & Financial Services, Inc. is dedicated to offering you the best possible coverage at a price you can afford. You may also be eligible for discounts when you insure multiple vehicles or if you have successfully completed a rider safety course.

Discounts and coverage options can vary according to your location and specifications. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a plan that best fits your needs.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

 

Boat Insurance

Boat Insurance in Harrisonburg, VA and Rockingham, VA

 

CAST YOUR WORRIES ASIDE

For most people, owning a boat is a dream come true. Whether you are out on the water with friends or enjoying a relaxing day of fishing, your boat can provide an escape from the daily grind.

With a Boat Owners Insurance policy from Jenkins Insurance & Financial Services, Inc., you can relax and enjoy your time away knowing your boat is covered. We offer many coverage options to keep you, your boat, and your passengers safe, specializing in insurance for the following water vehicles:

  • Sail Boats
  • Fishing Boats
  • Jet Skis
  • WaveRunners
  • Other recreational boats and personal watercraft

WHAT CAN A BOAT INSURANCE POLICY COVER?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to:

  • Vandalism
  • Collision with another boat or object
  • Theft
  • Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Optional coverage for fishing equipment and personal property is also available.

In addition, liability coverage can help pay for medical expenses or property damages to another person if you are at fault in a boating accident.

ADDITIONAL COVERAGE OPTIONS

At Jenkins Insurance & Financial Services, Inc., we make insuring your boat or personal watercraft easy and affordable by offering extended optional policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for discounts when you insure multiple watercrafts or combine your boat and auto policies. Even simple things like being an accident-free boater and completing a boating safety course could help you save money too.

It is your passion, your dream. Protect that dream for years to come with the right insurance policy from Jenkins Insurance & Financial Services, Inc.. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

 

Motorcycle Insurance

Motorcycle Insurance in Harrisonburg, VA and Rockingham, VA

 

MOTORCYCLE INSURANCE IN Harrisonburg, VA

Warm weather brings out a wild side for many drivers, with a noticeable increase in motorcycle traffic. Whether cruising the back roads or heading to the city, holding the proper insurance coverage is essential for motorcyclists as danger could be around the bend.

At Jenkins Insurance & Financial Services, Inc., we understand the exposures facing motorcyclists and our insurance package can be customized to fit a variety of risks. We routinely insure riders and their bikes in Harrisonburg, Rockingham, Bridgewater, Elkton, Broadway, Staunton, and the surrounding areas.

INSURING MOTORCYCLISTS WITH COLLISION COVERAGE, PROPERTY DAMAGE LIABILITY, AND MORE

We believe in taking a consultative approach to insurance, and we will answer any questions before helping you select what best fits your needs. Whether a novice rider or seasoned expert, our coverage can be tailored for each client. Our motorcycle insurance can protect against a variety of exposures, and our coverage offerings include, but are not limited to:

  • Collision Coverage
  • Theft
  • Vandalism
  • Damage caused by Uninsured or Underinsured Motorists
  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments Coverage
  • Guest Passenger Liability

We can keep motorcycles protected while in storage, and can also protect gear, equipment and accessories. To begin working with a knowledgeable agent, request a quote.

PROTECTING CLIENTS ON THE OPEN ROAD

At Jenkins Insurance & Financial Services, Inc., we enjoy building lasting relationships with our clients and insuring them for every stage of their journey. Before hitting the open road, contact us to learn more about our products and services for motorcycles and other powersports vehicles.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

 

Snowmobile Insurance

Snowmobile Insurance in Harrisonburg, VA and Rockingham, VA

 

WHEN THE SNOW FALLS, MAKE SURE YOU ARE READY

Your snowmobile is your ticket to enjoying the fresh mountain air and exhilarating scenery of the countryside, and while you are out there in the thick of it all, contemplating whether you have the right insurance should be the last thing on your mind.

Jenkins Insurance & Financial Services, Inc. offers specialized Snowmobile Insurance at affordable rates, with benefits tailored to meet your specific insurance needs. Whether you are a beginner or a seasoned veteran, we offer the following protection and more:

  • Collision Coverage – to cover damage to your snowmobile from a collision with another vehicle
  • Comprehensive Coverage – as coverage for loss or damage from theft, fire, or vandalism
  • Property Damage – to pay for damage to another person’s property for which you are liable
  • Bodily Injury Liability – for paying the medical expenses of others if you are at fault in an accident
  • Uninsured Motorist Protection – to insure damage caused by an uninsured driver

Additional Snowmobile Insurance coverage is also available for custom equipment that you have added to your snowmobile.

Discounts may also be available for completing rider safety courses or by being a member of certain riding association memberships. A representative from Jenkins Insurance & Financial Services, Inc. will review your insurance needs and work with you to design the right policy for you and determine your discount eligibility.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

 

Personal Umbrella & Identity Theft

Additional Coverage in Virginia
 

ADDITIONAL COVERAGE FOR PEACE-OF-MIND LIVING

Jenkins Insurance & Financial Services, Inc. is committed to providing advice and quality insurance products to keep your future protected. From helping to restore your identity to insuring your personal items, we have the solutions you have been looking for should theft, an accident, or even a lawsuit occur.

Our additional Personal Insurance products include:

  • Identity Theft
  • Personal Umbrella Insurance

Insurance specialists at Jenkins Insurance & Financial Services, Inc. are standing by to help you find and create the asset protection packages you deserve. Contact our agency today to get started.

We provide insurance solutions to clients near Harrisonburg, Rockingham, Bridgewater, Elkton, Broadway, and Staunton.

Several listed features are optional and carry additional costs and terms. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.