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Personal Insurance


With the Mike Arnold Insurance Agency, you’ll discover competitive homeowner’s insurance rates and explore available discounts.

We help you get the protection you need at a price that’s right for you and your home in Virginia. Whether you are looking to insure a family car or luxury vehicle, the Mike Arnold Agency can help you understand your insurance options and what makes the most sense for your insurance needs.

Our experience will help you create a well-constructed plan to protect both your current assets and your future income. Our dedicated insurance agents offer a free annual insurance review, which helps identify any gaps in your coverage and makes sure you’re getting the discounts you deserve – including multi-car, safe driver, good student, and multi-line discounts. Protection for you and others:

  • Bodily Injury and Property Damage: Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.

  • Medical Expenses: Medical Expense coverage can help cover the medical expenses associated with auto accidents. It generally covers medical expenses for you, your passengers, and any family members driving the insured vehicle at the time of the accident - no matter who's found to be at fault. It can also help cover you if you or your family member is injured in another car or injured as a pedestrian involved in a motor vehicle accident.

  • Uninsured/Underinsured Motorist Bodily Injury and Property Damage: Uninsured motorist coverage protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance or is underinsured.

Protection for your vehicle

  • Comprehensive : Comprehensive coverage covers damages to your vehicle not caused by a collision, such as: glass damage, hail, an incident with an animal, fire, theft and vandalism of the vehicle among other coverages.
  • Collision : Collision coverage refers to protection for your car when it is involved in an at-fault accident with another vehicle or an object. This important coverage will help cover the cost of repairs to your vehicle.
  • Roadside Assistance : Breakdown coverage that can include towing, battery jump starts, flat tire assistance, lock out service, ditch extraction, and providing a small amount of fuel when a vehicle runs out of gas.


At the Mike Arnold Agency, our agents understand that a home is one of the biggest investments you can make and all that investment represents.

Often, the exact location of a home can help you identify the coverage you need. Some areas are more prone to flooding, others to fire and wind damage. This is where the local knowledge and expertise that the Mike Arnold Insurance Agency has to offer can be your biggest asset.

Our agents understand that life has unexpected occurrences. From smaller claims to major structural damage, you can be confident you’re getting claims service you can rely on. Whether you live in a house, apartment or condo, we offer protection that fits your needs.

  • Dwelling Coverage: With available Replacement Cost, your home will be repaired or rebuilt with like kind and quality materials after a covered loss, less your deductible. Dwelling coverage can also be determined on an Actual Cash Value. This provides the policyholder with a depreciated value settlement option. The majority of our clients choose this Replacement Cost coverage for their dwelling. Actual Cash Value is still used by a small percentage homeowners as well.
  • Personal Property Coverage: Personal property can most aptly be described as your belongings of personal items in your home. After a covered loss, your claim agent will work with you to replace what has been lost quickly and with as little interruption as possible. One of the most important things you can do to help your claim agent is to provide them with an inventory of your losses. We advise that all clients perform an annual inventory of personal possessions.
  • Liability Protection: We have a varying amount of coverage available to cover liability as a result of owning a home. This coverage provides protection for a variety of incidents that can occur, including injury to visitors at your home, dog bites, trips and falls, etc.
  • Available Options: We have a variety of endorsements that can be used to tailor the coverage to your wants and needs. These include endorsements such as: identity theft, ordinance and law, water/sewer backup, incidental farming, personal injury, better roof replacement, replacement cost plus on the dwelling, and earthquake coverage. These endorsements can be discussed in detail with one of our agents and added to your policy, if desired.

At the Mike Arnold Insurance Agency, we pride ourselves in helping you find the insurance you need at a price that’s right for you. We will help tailor these coverages to protect what's important to you within your budget.

Request an Auto Insurance Quote

Contact the Mike Arnold Insurance Agency at (434) 295-2692 in Charlottesville or (540) 672-3605 in Orange, today to find the best personal insurance for you.

Request a Home Insurance Quote