Melicca Dunn

Summer is here and it's time for road trips, ice cream, and adventures. Don't forget to update your policies to make sure you have the coverage you need on your boats, RVs, and cars. We'll be at the HER event at the Shops at Stonefield on 09/27/2026 from 10 am to 3 pm for a Women's Expo Event.

The Melicca Dunn State Farm Agent office covers Charlottesville, Virginia, and the surrounding communities. With over 21 years of experience, I’m proud to serve our Good Neighbors and be a part of this incredible community. Our office is built on a foundation of genuine connections while taking the time to understand your unique needs and goals. Whether you’re in Belmont, Charlottesville City, or Forest Lakes, my team and I are here to guide you through your insurance journey with care and dedication.

Outside the office, I enjoy traveling and spending quality time with my family. My husband works as a local real estate agent, and my son attends college in Richmond. I have a Bachelor's Degree from Randolph-Macon College and a Master's Degree from Tulane University.

As an active member of this vibrant community, I love participating in events like Teacher's Night, Nurse’s Night and Boo-Thru, Toys for Tots, supporting veterans through Ruck the Ridge, and giving back to the community through local initiatives. Our office is always looking for opportunities to get involved in the community.

Call or text our office for a quote on your auto, homeowners, renters, life or health insurance. We work with individuals and families in Albemarle, Charlottesville, Fluvanna, Greene, Louisa, Orange, Madison and Nelson Counties.

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Melicca, your local State Farm agent in Charlottesville, VA, is here to help.

Q: How soon can I get insured for my car?

A: Car insurance coverage can often start the same day, depending on your situation. Have questions? Melicca in Charlottesville can walk you through your options.

Q: What are the insurance requirements on a leased car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Melicca works with Charlottesville residents to find coverage that fits.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Connect with Melicca for insurance guidance in Charlottesville.

Q: How does life insurance work at a basic level?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. In Charlottesville, you can count on Melicca for personalized service.

Q: What's included in renters insurance coverage?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Melicca is here to help your Charlottesville household feel covered.