Essential Tips for Easier Management if Your Commercial Fleet

Proper fleet management techniques are an essential part of maintaining the profitability of your business. No matter how many vehicles your Virginia Beach, VA company manages on a daily basis, these tips will help you get the most out of your vehicles, drivers, and work hours.

  • Talk to the agents at Insurance Shopper VA to customize your commercial auto insurance plan. Working with an insurance expert is the best way to ensure your policies contain everything needed to protect your financial investment.
  • Install GPS-capable trackers in the cabin of all company vehicles. These devices can be programmed to track everything from driver behavior to the gallons of gas consumed each day. Advanced systems can be integrated with your office’s desktop software to provide automatic updates to customers’ cellphones or email as well.
  • Switch from paper recording to digital data. Trackers and automated monitors are less prone to manipulation or human entry errors. They also make compiling reports for compliance purposes super simple.
  • Invest in driver training on an ongoing basis. Keep safety and proper procedure at the forefront of your employees’ minds with frequent training. Include discussions on driving etiquette, customer service, safety protocols, and other important issues. Repetition naturally increases compliance.
  • Prioritize and document maintenance meticulously. Smaller companies can outsource their vehicle maintenance program to ensure oil changes, tire rotations, and safety inspections are always on time.
  • Consider the cost of ownership to determine when to replace a vehicle. When the cost of maintenance overshadows the benefit you get, that is the optimal time to look for something new.

A commercial auto insurance policy with Insurance Shopper VA supports the long-term success of your fleet-based Virginia Beach, VA business. Contact us to learn how our policies simplify your management duties.

Which weather related events are covered by home insurance

The weather in Virginia Beach, VA is variable, you have steamy warm summers and cold snowy winters. While not as extreme as other areas of the country, this is an area that definitely has four seasons. If you have questions about your home coverage, Insurance Shopper VA has the answers that you need to make an educated decision. 


Many wind-related weather events are covered by a basic home insurance policy. Generally speaking storm-related wind damage and tornados are covered. Hurricanes may require an additional rider, be sure to read your policy carefully to make sure exactly which type of wind damage is covered.  Keep in mind that you need adequate coverage to replace the items inside your home that could be damaged as the result of wind damage to the exterior. 


As a result of wind damage, water may enter your home and it can cause a lot of damage. It can damage the structure and it can also damage your contents. Water that comes from flooding is not covered with typical home insurance and must be purchased separately. 


Lightening can be very damaging to your home and the resulting fire may even destroy your entire home. Almost every home policy will cover a lightning strike to your home. 

Hail and snow

Hail and snow are weather events that can happen to your home. The damage they cause is covered under your home policy. 


Ice can cause damage to your home and also make you vulnerable to a liability claim is someone slips and falls on your property. Your homeowner’s policy covers these eventualities. 

Weather can be very damaging to your home but if you live in Virginia Beach, VA you can be confident turning to Insurance Shopper VA. Call or stop by to receive your no-obligation quote.

Types of Renters Insurance

Moving to a new rental property is an exciting journey that everyone in Virginia will experience at least once. From moving trucks to donating old clothes, there is a myriad of important steps to take before stepping into the property for the first time. One of these steps includes finding a reliable renters’ insurance policy to protect your personal property.

Renters insurance is a form of coverage that protects you in the event of the damage or loss of property. This liability is not on your landlord, who has already purchased a form of insurance to protect his building or rented room. Should your personal property be lost, damaged, or stolen, there is little you can do to recoup your losses without a strong renters’ insurance plan. In fact, some Virginia Beach, VA landlords may require tenants to carry a renters’ insurance policy before signing a lease.

There are several important types of renters insurance to be familiar with while looking for a policy.

  • Actual Cash Value: This protects the depreciated value of your property after it is lost.
  • Replacement Cost Coverage: Protects the full cost of your property once it is lost.
  • Loss of Use Coverage: Helps with additional living expenses after a disaster or loss of property.
  • Medical Payments to Others: Covers the expenses of those injured in your home.

To learn more about the types of renters’ coverage available to you, reach out to the knowledgeable professionals at Insurance Shopper VA, your east coast experts on renters insurance and beyond. Serving the tenants of Virginia Beach VA for years with an unmatched degree of experienced and reliable service, call Insurance Shopper, VA today to get in contact with a professional agent and learn more about how we can best serve your insurance needs.

What You Can Do to Change Your Auto Insurance Premium

Your auto insurance premium may seem like a relatively static fixture in your life. In fact, you may not even really notice it until it goes up. But there are things that you can do that may influence your policy rate. Insurance Shopper VA wants everyone in Virginia Beach, VA to feel like they have some degree of control, whether they’re on the road or not. 

Drive Safer 

This is always going to be the best way to the best way to keep your insurance down. The fewer violations you have, the more likely it is that your rates will start going down. So limit the pressure on the gas pedal, and stop looking at your phone at red lights. And while this tactic will certainly take some time and effort to implement, there are far more benefits (for you and everyone else on the road) than just a lower premium. 

Call Your Carrier 

Most insurance agencies won’t tell you how you can save money on your premium, but they may discuss it with you if you call. Ask them what type of safety measures you can take to potentially lower your premium. Some options may include buying anti-theft technology or taking a driver safety course. Weigh the savings against the costs to see if it makes sense for you to try. Plus, if you’ve moved, been married, or change your job, this can affect your rates as well. Your auto insurance carrier will need to be notified of any changes that will affect your driving habits. 

If you want to learn more about ways to control your premium and your insurance, call Insurance Shopper VA today. We’re here to help the people of Virginia Beach, VA get the coverage they need. 

Look Into Your Comprehensive RV Insurance Offerings

The amount of people with RVs on the road has increased significantly in recent times. Making sure your RV is adequately covered with insurance is important for your safety and well being. There are several different kinds of insurance available from liability to full coverage. Simple liability that covers when you are at fault in an accident. A collision can help when you are in an accident regardless of who is at fault. Comprehensive which covers incidents that are beyond your control. Find out more through Insurance Shopper VA, serving Virginia Beach, VA. 

What does comprehensive insurance cover?

Having basic liability is required in many states. To get a broader coverage, comprehensive insurance is one of the options. While liability can cover costs when you are at fault in an accident, comprehensive can cover other types of events. Vandalism, fire, theft and weather related incidents are some of the events that may be covered by comprehensive. These are things that can happen outside of a collision accident and can be a good way to make sure you are protected no matter what happens.

Is comprehensive insurance required?

Some insurances may be optional and this depends on where exactly you live. An agent can inform you of particular state laws. Comprehensive is something that is optional, but there are some instances where this type of insurance may be a requirement. Depending on whether your RV is financed or rented, you may need comprehensive coverage. An agent can help you find out what requirements you may or may not have in your individual situation.

If you own an RV of any kind and you need insurance coverage, stop in or give Insurance Shopper VA serving the greater Virginia Beach, VA  area a call. Agents can help you with all your RV insurance needs.

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.