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Free educational guide

Is Your Insurance Actually Protecting You?
Find Out in 5 Minutes.

Get Your Free Guide: Protecting What You've Built

  • Virginia's exact auto liability minimums, and what happens if you fall short

  • Why homeowners coverage isn't legally required, but is rarely optional in practice

  • How an umbrella policy protects assets your base coverage doesn't

  • Term vs. permanent life insurance, explained without the sales pitch

  • A 5-step checklist to review your own policies this week

What's Inside the Guide

A plain-English breakdown of Virginia's 2026 home, auto, umbrella, and life insurance rules — what's required, what's optional, and where most coverage gaps actually happen.

13-page guide 

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Virginia • 2026 Rules

Protecting What You've Built 

Get your free copy

Home •  Auto • Umbrella • Life Insurance

5 min read

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Home

Rebuild costs, valuables, and the flood & earthquake gaps most policies exclude.

Auto

Virginia's statutory minimums, and the penalties for falling short.

Umbrella

How excess liability coverage protects assets beyond your base policies.
Term vs. permanent coverage, and what "cash value" really means.

Life

Mike Sanchez head shot
Written & presented by

Mike Sanchez — retired U.S. Army veteran and Principal Agent at David Peters Insurance. Mike has spent 20+ years in leadership across the military and private sector, and now helps Virginia families and business owners build insurance strategies that actually fit their lives — no jargon, no pressure.

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