Pam Franz

Wow, that was fast, how the whole summer came to a quiet end! Now we get to look forward to brisk mornings, sweater-weather, and the kids are already back in school studying hard. This is a great time to go over your insurance to make sure you are where you need to be. And if not, let's put together a Personal Price Plan to work on so that so that life doesn't surprise you as it so often does. September is Life Insurance Awareness month and it is something that is so important to discuss. We are happy to sit down over a cup of coffee, tea or soda and make it an easy decision. Several times per year we send our communiques offering to review your coverages, rate adjustments, discounts or surcharges so please don't be shy about contacting us to look it over. I hope you will take advantage of our time as we enjoy meeting with our customers. We will be happy to go over your auto, motorcycle, home, renters, flood, boat or life insurance as well as reviewing your deductibles along with any endorsements that may be of interest to you. If we can help with your insurance needs, remember that my office can serve the entire state of Virginia! We focus on our local residents & love assisting our military personnel who re-locate to the Peninsula. We serve the entire Hampton Roads area to include Williamsburg, Poquoson, Gloucester, Newport News, Hampton, & Yorktown. Call us, email us, text us or just drop on by as we'd love to work up a Personal Price Plan quote for you.

Some quick fun facts about Pam: I was born & raised in Williamsburg & grew up residing in an un-restored Colonial Williamsburg home. I attended the College of William & Mary finishing up my BA degree at Christopher Newport College. I am married, we have one son who just turned 27, a rescue mixed breed dog names Pickles and a sweet rescue cat. On January 13th I celebrated my 1986 hiring with State Farm for which I am humbly grateful. Becoming an agent in March 1994 after working in another area at State Farm seems like yesterday. My husband, brother, sister, nephew & son are all former or current State Farm team members or employees. I am thrilled to have the designation of being a Crystal Honor State Farm agent thanking all of my customers who have helped me along the way.

I am a long-time supporter of St. Jude's Children's hospital, the Heritage Humane Society of Williamsburg, Community of Faith Mission for the homeless, Yorktown YMCA & York County Public Education among just a few. I have been a Board member for the York County Library Board since 2012.

• The kids are in school or college so what better time to review your Life Insurance plan or make sure that there is coverage if they are away in dorms

• Your dogs and cats are important members of your family. We offer Trupanion pet insurance for your dog of cat so inquire about it

• Ask about State Farm Classic + for your antique vehicles....we have some great information about this product!

• Life Insurance Awareness month, for us, is every month, but this is a special month to make our customers aware that as your life changes, you might want to change your life insurance plan. Do you have enough? Too much? What type? If you have it at work, what happens if you leave or retire? Do you want to be buried or cremated? Do you have a Will in place? Do we have a product without requiring a medical exam? ( Hint: yes) We help YOU to uncover what YOU need at YOUR price point so please ask!

• Happy Fall to All...September is a great time to enjoy this change of seasons...Love Virginia for this reason, yes, it is the seasons

Thank you for your business with State Farm and especially choosing to be with our agency. We appreciate your kindness over every transaction. You make our days worthwhile. Enjoy this beautiful month of September! Pam, David, Amy, Lori & Gail

Frequently Asked Questions (FAQ)

Q: What's an effective way to get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Pam is proud to serve the Yorktown community.

Q: How quickly can car insurance coverage start?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. Serving Yorktown and the surrounding area, Pam can help answer your questions.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Pam serves Yorktown, VA and is happy to help with your insurance needs.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. Have questions? Pam in Yorktown can walk you through your options.

Q: What does renters insurance cover?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Pam works with Yorktown residents to find coverage that fits.

Q: Do you need to carry insurance on your home?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Connect with Pam for insurance guidance in Yorktown.