The Insurance Partner Your Clients Deserve

From contract to closing, we handle the insurance side quickly, clearly, and without the back and forth. So you can focus on closing the deal.

Working With Realtors

We understand that communication, speed, and reliability directly impact your client experience and your ability to get to the closing table smoothly. Watkins Insurance Group prioritizes fast turnaround times, proactive communication, and solutions-oriented problem solving so your clients feel taken care of from contract to closing. Our goal is to become an extension of your team, helping protect transactions, reduce stress, and strengthen long-term client relationships.

An Extension of Your Team, Not Another Vendor

  • 30-plus carriers, one trusted agent
  • Over a decade of experience in Richmond
  • Real answers, no automated lines
  • Coverage for individuals and businesses
How It Works

Simple for You. Seamless for Your Clients.

1

You Make the Introduction

 Refer your client to us at any point in the transaction. Our team will take it from there and keep you in the loop.

2

Philip Works Directly With Your Client

He explains their options clearly, finds the right coverage, and gets everything in place without unnecessary back and forth.

3

Smooth All the Way to Closing

Documents are delivered on time, lender requirements are met, and your client arrives at the closing table covered and confident.

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What We Take Off Your Plate

Less Stress for You. Better Experience for Your Clients.

Our teamhandles the insurance details so you can stay focused on the transaction.


  • Homeowners insurance for first-time buyers and move-up buyers
  • Investment and rental property coverage
  • Flood insurance for properties in flood zones
  • Last-minute coverage needs before closing
  • Lender requirement reviews and document delivery
  • Clear communication with your clients throughout the process


Coverage We Work With

The Right Coverage for Every Client and Every Property

Whether it's a first-time buyer or a seasoned investor, our team handles the full range of coverage that comes up in real estate transactions.

Black house icon on a white background
Homeowners Insurance
Black house icon above wavy water lines, indicating flooding or waterside location
Flood Insurance
Black and white icon of two buildings, one taller than the other
Landlord Insurnace
Black outline of an umbrella icon on a white background
Umbrella Policies
Simple black line icon of a house with roof and windows
Vacant Property Insurnace

Why Work With Us

Watkins Insurance Group was built on a simple belief: relationships come first. For more than a decade, Philip Watkins has helped clients make confident insurance decisions through honest advice, personal service, and responsive support.When you work with Watkins Insurance Group, you work directly with Philip. He takes the time to understand your needs, review your coverage, and be there when you need help most.Personal service. Trusted advice. Real relationships.

What Realtors Are Saying

Don't Just Take Our Word for It

Strong partnerships are at the heart of what we do. Philip has built lasting relationships with lenders, processors, and real estate professionals through consistent communication and exceptional service. Here's what some of our partners have to say about working with Watkins Insurance Group.

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Elsa Verina

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Everything You Need to Know About Working With Us

Frequently Asked Questions

Three colleagues in business attire discussing over coffee at a table in a modern office lounge.

  • When should I introduce my client to Watkins Insurance Group?

    The earlier the better. Getting insurance in place early removes one more variable from the transaction and gives your client time to make a confident decision..

  • What if my client already has insurance?

    Our team can review their existing policy to make sure it meets lender requirements and covers the new property correctly.

  • Can you handle flood insurance if the property is in a flood zone?

    Yes.We work with both NFIP and private flood insurance carriers and move quickly when a flood determination comes in.


  • Do you work with investment properties?

    Absolutely. We regularly handle landlord and rental property coverage for real estate investors across Richmond and Virginia.

  • What if there is a tight deadline before closing?

    Call Philip directly. He understands the urgency and will prioritize getting the right coverage and documentation in place fast.

  • How do we start sending referrals?

    Just reach out. Our team makes it simple to set up a working relationship and will make sure every client you send feels well taken care of.