- Independent insurance agency
- Home, auto, life and business
- Additional 2% Travelers discount for Bundle clients
- Licensed in Virginia
Protect what matters most, and save an additional 2% with the Bundle group plan through Travelers.
KSA Insurance Agency is an independent agency. We shop multiple carriers for your home and auto coverage, and when Travelers is the right fit, Bundle clients get an additional 2% discount on top of the discounts Travelers already offers. We quote your insurance and check the home's claims history before you write the contract or during any contingency period, and your agent already knows your closing date because he is on the same team as your lender.
Get a free Bundle insurance quote
Home, auto or both. We compare carriers, and Travelers policies get the additional 2% discount.
Got it. KSA will reach out with your quote options.
Expect a call or text from (703) 799-5626 within one business day. Want to skip ahead? Call now.
Call (703) 799-5626Know the insurance price and claims history while you can still walk away
Most buyers learn what the insurance costs, and what the house has been through, after they can no longer get out of the contract. KSA gets you the quote before you write the contract, or at the latest during your contingency period, so you know while you still have a choice.
The CLUE report shows claims that insurers reported on the property, for up to seven years. A clean report does not guarantee a home has no problems, and not every insurer reports every claim. Quotes are subject to underwriting, the home inspection and carrier approval. Reports are run with the buyer's permission as part of an insurance application.
- Quote before you write the contract. KSA quotes your homeowners and auto coverage before you write the contract, or during any contingency period, so the real insurance premium is in your payment while you can still get out of the contract.
- Claims history check. With your permission, KSA runs a CLUE property loss report (Comprehensive Loss Underwriting Exchange), which lists insurance claims reported on the home for up to seven years.
- Ask the right questions. If claims show up, your Realtor asks the seller what happened and what was repaired, and requests the receipts, permits and contractor invoices.
- Confirm at the inspection. Your inspector looks closely at the same areas, such as the roof, plumbing or basement, so repairs are verified during the contingency period and not after closing.
Insurance options for every part of your life
Independent means we work for you, not for a single carrier.
Homeowners and condo
Replacement-cost coverage matched to your new home, with the binder delivered to your lender before closing.
Auto
Bundle auto with home for carrier multi-policy discounts. With Travelers, Bundle clients add an additional 2% discount on top.
Umbrella
Extra liability protection over your home and auto policies, often for a few hundred dollars a year.
Life
Term and permanent coverage sized to your new mortgage so your family keeps the house.
Landlord and business
Rental property, small business and professional coverage from carriers that specialize in each.
Flood and specialty
NFIP and private flood, jewelry and collectibles, boats and RVs.
How the Bundle discount works
Group plans let a carrier price a defined group of policyholders together. KSA has that arrangement with Travelers for HomeBuyers Bundle clients. Close your purchase through the Bundle, place your eligible home and auto policies with Travelers, and they are written under the KSA group plan at an additional 2% discount.
On a $3,000 annual home and auto premium that is $60 every year you hold the policy, on top of the multi-policy and new-home discounts Travelers already offers. The additional 2% does not carry over to other carriers, but KSA still shops them, so you always get the better deal.
- Independent agency shops multiple carriers first
- Additional 2% Travelers discount applied to eligible premiums
- Binder coordinated with your First Meridian closing date
- Annual review so your coverage keeps up with your home
Typical NoVA home + auto premium
Two cars, single-family home
Travelers group discount
Additional 2% on eligible Travelers premiums
Over 10 years in the home
Group plan alone, before Travelers multi-policy discounts
Often $300 to $800/yr
Getting covered
Quick, and coordinated with your closing.
Tell us about your home and cars
A few details on the form or by phone. No commitment.
Quote and claims check while you can still get out
KSA quotes multiple carriers and, with your permission, runs a CLUE claims history on the home, so you know the real price and your Realtor knows what to ask the seller. If Travelers wins, the additional 2% Bundle discount is applied.
Bound before closing
We deliver the binder to First Meridian and your settlement company, so closing day has no insurance surprises.
Add the mortgage and a Realtor and save on all three
Your KSA policy is one piece. Finance with First Meridian and buy with Kevin or Bridget to unlock the full Bundle.
Wholesale mortgage, not one penny of markup
First Meridian Mortgage Corporation gives Bundle clients access to its wholesale lenders and originates the loan with no compensation to First Meridian. You pick your rate straight off the wholesale rate sheet, as if you owned the company. No loan officer fee, no First Meridian origination fee. Conventional and VA, and ask about FHA.
Straight wholesale cost, $0 to First Meridian Learn more
An expert Realtor who knows your loan
Buy or sell with Kevin or Bridget Retcher of Jobin Realty: expert pricing, offer strategy, negotiation and contract management. Because your agent and your lender are one team, we also control how any Realtor credit is applied and can point it at buying down your rate or covering closing costs.
Realtor credits aimed at your rate Learn more
Home and auto insurance, additional 2% Travelers discount
KSA Insurance Agency is an independent agency that shops multiple carriers, quotes you and checks the home's claims history before you write the contract or during any contingency period. Bundle clients who place their policy with Travelers also receive an additional 2% discount on eligible premiums.
Additional 2% off with Travelers, more carriers compared You are hereInsurance questions, answered plainly
What is the additional 2% HomeBuyers Bundle discount?
KSA Insurance Agency maintains a HomeBuyers Bundle group plan with Travelers. When you close your purchase through the Bundle and your home or auto policy is written with Travelers, eligible premiums receive an additional 2% discount under the group plan. It is in addition to any multi-policy or new-home discounts Travelers already offers.
Is KSA tied to one insurance company?
No. KSA is an independent agency, which means we represent multiple carriers and shop them against each other for your coverage and price. The additional 2% discount is only available on Travelers policies. If another carrier is the better fit, we will tell you and place you there; you simply will not receive the group discount on that policy.
Do I have to buy insurance from KSA to get the mortgage savings?
No. Each piece of the Bundle stands on its own. The additional 2% Travelers discount is a benefit for clients who choose KSA; the mortgage pricing depends on being pre-approved by First Meridian first and using Kevin, Bridget or a designated Referral Agent Partner as your buyer's agent.
What is a CLUE report, and why does KSA run one before I am locked into a contract?
A CLUE report (Comprehensive Loss Underwriting Exchange) is a record of insurance claims reported on a property, kept by LexisNexis for up to seven years. Insurers use it to decide whether to write a policy and what to charge, and the claims follow the home, not just the owner. With your permission, KSA checks it when we quote your insurance, before you write the contract or during any contingency period. The key is to know before you have no ability to get out of the contract. You learn the real premium, your Realtor learns what to ask the seller, and the inspector knows where to look. It is not a guarantee: a clean report does not mean a home has no problems, and some claims are never reported.
When should I get my homeowners quote?
Before you write the contract, or during any contingency period. The key is to know before you have no ability to get out of the contract. A quote at that point tells you the real premium for your payment, and the claims history check shows what the home has been through. Your lender also needs proof of insurance before closing, so quoting early leaves time to compare carriers and fix surprises such as roof age or prior claims without delaying settlement.
What lines do you write?
Homeowners, condo and renters, auto, umbrella, life, flood, landlord and small business coverage, in Virginia and surrounding states depending on carrier.
Get your Bundle insurance quote today.
Free, no obligation, and coordinated with your closing date.
Free consultation. No fee to talk. No obligation.