3 Tips for Buying Motorcycle Insurance in Virginia Beach, VA

The open road, the wind in your face – there’s nothing better than jumping on your bike and hitting the road in Virginia Beach, VA. However, before you get too far, you need to make sure you have the proper protection. Not only is insurance necessary for the protection of you and your bike, but, it’s also the law.

If you are ready to purchase motorcycle insurance, be sure to contact the team at Insurance Shopper VA. You can also use the tips here to ensure you get adequate coverage for an affordable price.

1. Compare Quotes

One of the first things you need to do when purchasing motorcycle insurance is to compare quotes. You can easily get quotes from several insurance providers – it is a quick and easy process. By comparing quotes, you can also find the policy that offers the most value.

2. Bundle Policies

The next step in the process of buying motorcycle insurance is to consider bundling the polices. Talk to your existing insurer that carries your home or auto insurance about helping you get coverage for your motorcycle, too. When you do this, the majority of insurance companies are going to provide their customers with a significant discount.

3. Work with a Reputable Agent

The best way to ensure you get a good deal on the motorcycle insurance you need is to work with a reputable agent. Take some time to find someone who is familiar with the laws in the state and who will be able to help you get great coverage for a great price.

If you are ready to purchase motorcycle insurance in Virginia Beach, VA, be sure to contact the team at Insurance Shopper VA who serves this area. They can help ensure you get the right policy for your needs.

 

Why You Should Have Boat Insurance

While boat insurance isn’t required in Virginia Beach, VA, there are a number of reasons to have it. Even if the state doesn’t require it, if you are financing your boat it may be required through the terms of your finance agreement. Marinas and other boating events may require you to have it. While home insurance may provide some protection for your boat, it likely won’t be enough coverage if insurance is required.

Litigation: Lawsuits are common in our culture and you could be sued for just about anything. For example, if you take your friend out on your boat and there is a large wave that causes your friend to slam down hard on the seat, they could be injured. While at first he or she may say that they aren’t injured, if they are then you can be held responsible for medical payments, time off work, and damages for pain and suffering. Boat insurance can help you with the costs to defend yourself and pay for any damages you owe.

Investment Protection: Without proper insurance coverage, you could be at risk of losing your investment to an accident or another effect. A strong storm can sink a boat, while a fire on a boat nearby can burn your boat and damage it. The more expensive your boat is, the more likely you will want to have boat insurance.

When choosing a policy, there are a few things you should consider. If your boat isn’t worth that much and you just want the liability coverage, you can get a liability only policy. However, if you are trying to protect your investment, you will want an all-risk policy that will cover a number of perils. An agent at Insurance Shopper VA can help you determine the right policy for your needs.

Contact Insurance Shopper VA, serving Virginia Beach, VA, to get a quote on boat insurance.

Umbrella Insurance for Apartment Complexes

Owners of apartment complexes in Virginia Beach, VA may run into issues with their facility from time to time. Thankfully, high-quality umbrella insurance options from us at Insurance Shopper VA can provide detailed and high-quality protection against these problems when other policies reach their limits.

Events That May Cause Complications in an Apartment

Apartment owners often experience a multitude of issues that can complicate the operation of their business. For example, fires, storms, and electrical shorts may damage significant portions of their complex. These issues can cost the owner a lot of money to repair without insurance.

However, liability issues are perhaps the biggest potential problem for a landlord. For example, an apartment owner may be sued by a disgruntled renter for a multitude of reasons, including poor management of situations in which the renter can no longer live in their apartment, such as damage to the building. In this situation, umbrella insurance is necessary to ensure maximum protection.

How Umbrella Insurance Helps

Umbrella insurance helps protect against these problems by providing an extra level of liability coverage for apartment owners. So if a complex owner’s normal landlord policy doesn’t cover an injury or reaches its limitation, these policy options provide extra payment.

For example, if a renter sues a landlord for providing inadequate repair during the cold winter months, umbrella insurance will help pay for lawsuits. Some might even pay for the repairs themselves, though only if the liability of the landlord is involved in these repair issues.

Finding an Option

Anyone who owns an apartment complex in Virginia Beach, VA owes it to themselves to talk to us at Insurance Shopper VA to get help finding an umbrella insurance policy. These options provide an excellent level of extra protection that keeps apartment owners safe from financial loss.

What happens if I don’t have flood insurance?

If you own a home in the Virginia Beach, VA area, it is very important that you have proper insurance coverage in place. One of the best forms of insurance that you need to have in this area is flood insurance. When you have flood insurance, it will provide you with valuable protection against the significant damage that can be caused by a flood. However, if you do not have flood insurance, a variety of issues could arise. 

No Coverage for Damage

If you are in the Virginia Beach, VA area and do not have a flood insurance policy in place, will likely not have coverage for damage that occurs to your home. Due to its proximity to the ocean and higher-risk flood designation, those that are in Virginia Beach likely will not have any flood coverage from their base home insurance policy. Without a flood insurance policy, you may not receive reimbursement for this damage. 

Ensures Loan Compliance

If you live in a high-risk zone, there is a good chance that you will need to have flood insurance in place. This is especially true if you have a loan that is guaranteed by the FHA. In these situations, there are plenty of specific requirements that need to be met. If you do not have the right flood insurance policy in place at all times, you could be in violation of your loan agreement. 

When you are shopping for flood insurance, a great place to start your search is at Insurance Shopper VA. When you purchase insurance from Insurance Shopper, VA you will get the support you need to get the right flood insurance policy. This will help to ensure that you get the right coverage and stay in compliance with all of your loan agreements. 

Differences Between Condo and Home Insurance

Have you recently purchased a condo or plan to in the near future? If so, you will need to consider the benefits of purchasing condo insurance over homeowners insurance. Although condo insurance is not required in the state of Virginia, a condo policy for condo owners can protect their personal property and liability during any unforeseen accidents. Insurance Shopper VA offers both policies to condo owners in or around the Virginia Beach, VA area. 

What is the structure coverage?

When purchasing condo insurance, coverage of exterior damage is not required. In most cases of condo ownership, the Homeowners Association (HOA) insurance of the building is responsible for exterior coverage in most cases, Since condo owners are only responsible for the interior, condo insurance covers exactly what you need as an owner. Home insurance has a focus on the structure as a whole, including the exterior that your purchase does not include. When you purchase your condo, review the terms of the HOA insurance policy, if one exists, to determine what their coverage is on the building structure.

What is the security of my personal belongings?

Like the limited structure coverage through the HOA insurance, personal belongings are not commonly affiliated with the policy. With condo insurance, this is critical, as this policy insurance your personal property allowing your security and peace of mind during accidental damages or theft of your property. Home insurance policies also have personal property coverage in their policies. For each condo and home insurance policies, it is important that you inventory all of your belongings when developing your policy.

Liability Differences

Since condo owners only own the square footage inside their condo, the liability that they are responsible for includes any accidents that occur within those walls. Condo owners are not responsible for the property surrounding the condo. Homeowner insurance covers not only the dwelling of the owner but the residential property surrounding the structure. 

Contact Us Today! 

If you are looking for a quality condo insurance policy in the Virginia Beach, VA or surrounding areas, contact Insurance Shopper VA. One of our agents is ready to assist you with your policy today. 

What Kind of Insurance Covers Dump Trucks?

It’s good to be a business owner in Virginia Beach, VA, but that privilege comes with a bundle of responsibilities. One of those is insuring any vehicles your company owns. If those vehicles include dump trucks, then you may find it difficult to get the right policy. Insurance Shopper VA is here to clarify and help you avoid confusion and wasted time.

Many Names. One Insurance

Different insurance companies will have their own name for the insurance you need on a dump truck. Some will have specific policies that can be customized for a dump truck and carry the name “Dump Truck Insurance.” In plenty of other cases, you might be looking into fleet insurance, industrial vehicle insurance or even simple commercial insurance. Commercial insurance is the umbrella term that usually includes any coverage for a company vehicle.

The Right Coverage

Knowing the name of your insurance policy is only step one. You also need an idea of the coverage necessary to safely operate the vehicles. For dump trucks, there are a few important necessities. The obvious is a liability. Any vehicle that drives needs liability insurance in case someone is harmed during that operation. You will also want physical damage insurance because the vehicles are costly and at high risk for damage. Beyond that, the custom options will depend on how your company operates. You may want to consider motor carrier insurance or independent owner-operator insurance.

Fine-tuning your policy can get pretty complicated pretty quickly. If you want to get the most out of your coverage, you can have a quick chat with your Insurance Shopper VA representative. They’ll help you navigate the sea of options and get the best fit for your business in Virginia Beach, VA.

 

How Often Should Home Insurance Be Updated?

When buying a home, a lot of people learn a lot about home insurance very quickly. No lender is going to sign a loan without it, so you probably have some sort of coverage. What most Virginia Beach, VA, homeowners don’t realize is that their policy needs to grow and change with their home. These are just a few changes that should signal to you that it’s time to check your policy.

Changes to the Home

You might already suspect that a major remodel can change the value of your home and justify a call to your Insurance Shopper VA agent. What you might not realize is that substantially smaller changes can still merit an update to your policy. Big-ticket purchases, like a high-end entertainment system or a professional-grade pool table, can absolutely change your coverage needs. Most importantly, adding a swimming pool (even the above-ground kind), requires a different approach to liability.

Lifestyle Changes

As important as it is to make sure you valuables are properly covered, lifestyle changes can often impact your premiums even more. Most people assume that quitting smoking could improve their health insurance or life insurance, but it can also positively impact your home insurance. Another big lifestyle change that might save you money is retirement. Obviously, details will always vary, but plenty of insurers offer special programs to retirees (they tend to be home more and that reduces liability risk for the property). Even something as simple as getting a dog will change your needs. Dog bites are a whole new liability issue, and you want your furry friend to be protected too.

Here’s the thing. It doesn’t cost money to call Insurance Shopper VA and speak to an agent. The worst that can happen is you spend a few minutes learning that you’re in great shape, and you can keep right on with your Virginia Beach, VA, lifestyle. So, if you make some big changes, remember your agent and make sure your coverage is still in the right place.

 

Types of Commercial Insurance

There is a range of insurance types you need to know about, especially when you are running a business, and one of those types is called commercial insurance. Within commercial insurance, there are various types of insurance, and at Insurance Shopper VA serving the Virginia Beach, VA, we want to keep you informed. Here are some of the most common commercial insurance types. 

Workers’ Compensation

When you have employees, it is essential to have workers’ compensation insurance, which helps if an employee is injured on the job. No matter what type of work your employees do, workers’ compensation insurance is something you need.

Property

Property insurance, as its name implies, covers damage and loss to both personal and real property. A fire that damages property in an office is one instance in which that insurance would be relevant. There are many other examples of times when property insurance is needed. No business can go without this type of commercial insurance.

Liability

Liability insurance is just as essential as the other types of commercial insurance. it is designed to help in situations when there are injuries to certain people, such as customers, who are injured while they are on your property.

Numerous other types of commercial insurance exist, including boiler and machinery insurance, builder’s risk insurance, debris removal insurance, inland marine insurance, glass insurance, business interruption insurance, errors, and omission insurance, crime insurance, and malpractice insurance.

Would you like to get more information about commercial insurance or any other type of insurance? Contact us at Insurance Shopper VA serving the Virginia Beach, VA, and we will be glad to help. We can help you decide what insurance you need based on your unique needs.

Virginia Is For Knowers: One Way That Auto Insurance In This State Differs From The Rest Of The Country

Insurance Shopper VA serving the Virginia Beach, VA and surrounding areas takes an extraordinary amount of pride in how they serve their customers and the beautiful community of Virginia Beach VA as a whole. Our particular concern for the residents of our beautiful area made us wonder all the more. Virginia is the only state in the union that has an uninsured motorist fee. Essentially drivers can register their vehicles without liability insurance. That’s right, If they pay a $500 uninsured motorist fee they can register a vehicle without insurance.

Why leave yourself uncovered?

What we urge all of our clients to do is to consider the liability and risk that is undertaken if you drive without insurance. If you are found to be liable or culpable in a motor vehicle accident, whether it is your fault or not the injured party can attempt to obtain your assets.

Your assets include your home, your car, real estate property, anything that you own that has financial value would be subject to seizure if a court deems it so. Having no car insurance also poses a significant risk to your own health and well-being. No coverage at all leaves you without any resource. 

Your Wise – The Risk Is Not Worth IT

The products we offer at Insurance Shopper VA are more than adequate to protect you from any personal liability in the event of an accident.  The peace of mind that comes with owning a comprehensive, and affective insurance policy far outweigh the risk of driving without one.  Call, stop in, or peruse our user friendly website to understand more about how we can protect your automobile. You can also learn about all of the other insurance products that we offer.

Protection In A Complex World

Lawsuits have become a more common situation that more people face than ever before. Many times the damages and costs become astronomical. From an auto accident with injuries to a business contract that appears to have been breached in some manner, the unthinkable can happen to anyone and at any time, and they find themselves facing a massive lawsuit. The situation can spiral out of control and no standard auto, home, or commercial insurance policy is able to meet the demands of such a devastating situation. Umbrella insurance picks up the slack and fills in those gaps that develop when regular insurance is exhausted.

Whether you own multiple properties in the Virginia Beach, VA area, have a business interest, or simply drive to work every day, it pays to consider the vulnerabilities you may be exposing yourself to. Discussing these issues with our agents at Insurance Shopper VA when you don’t face any kind of legal action means a calm examination of these unpleasant possibilities. It also means you have a better experience if you ever do face a lawsuit.

Plan ahead now and have the protection in place that will support you during such an ordeal. This will provide opportunities for you rather than add further distress to your lifestyle and your family. Umbrella insurance was designed to provide coverage and protection in just such cases. Here at Insurance Shopper VA we have the knowledge and experience to help you choose an umbrella insurance policy that works for you. With all the most recent policies available right up to the moment, we’ll make sure you find the coverage that will give you peace of mind. We love the Virginia Beach, VA communities we serve and we hope we can visit with you soon.