What value comes with a commercial insurance plan?

Anyone that owns or runs a business in the Virginia Beach, VA area will want to know that they are adequately insured and protected. One of the best ways this can be done is by getting a commercial insurance policy. This type of insurance will provide various coverage and value, making it a good investment. 

Protect Your Business

One of the advantages of having a commercial insurance plan is that it will help to protect your business. If you are going to start a company, you will want to know that your investment in the organization is protected as well as possible. The use of a commercial insurance plan can help with this. If you have this coverage, it will provide coverage for your business assets and reduce commercial liability risks. 

Ensure Compliance with Requirements

Using a commercial insurance plan is also a good idea, as it can help ensure you comply with various insurance requirements. Most businesses will have some type and level of insurance requirement. Some common agreements that will include this requirement include loan agreements, investor agreements, and agreements with vendors and clients. If you continue to maintain a commercial insurance plan, it will provide the support you need. 

It is advantageous to get a commercial insurance plan in the Virginia Beach, VA area. If you decide to start a company here, you will want to know that you are choosing the right policy for your situation. The team with Insurance Shopper VA continues to be an excellent resource for anyone looking for this coverage. When you call the Insurance Shopper VA, they will help you evaluate your options and build the right plan. 

How to Prepare Your Home’s Siding for the Long and Devastating Winter Months

As a home insurance provider in the greater Virginia Beach, VA area, Insurance Shopper VA often gets asked many questions about home insurance and home upkeep. One of the questions we are asked is how to protect your home in the winter months. Siding is one of the parts of your home that you need to prepare for winter but is often overlooked. Here are some tips to help you prepare your home’s siding for the long and devastating winter months. 

Look for Damage to the Home’s Siding

One of the things that you can do to prepare your home’s siding for the long and devastating winter months is to examine your home’s siding and look for signs of damage. This can be siding pulling away from the house, siding that is cracked or chipped, or siding that is bubbling, peeling, or blistering. If you notice damage, you will want the siding repaired before winter hits. 

Pressure Wash Your Home’s Siding

Once you have had your home’s siding repaired, or ensured it is in good condition, have the siding professionally cleaned. This helps to remove any buildup that can shorten the lifespan of your siding or cause damage to the siding, such as acidic bird droppings. Always look for a professional who knows how to correctly clean the type of siding you have. 

Home insurance can protect your home from some types of damage but will not cover damage caused by improper upkeep and maintenance. You want to ensure your home is properly maintained and cared for. If you wish to purchase a new home insurance policy, the team at Insurance Shopper VA, serving the Virginia Beach, VA area, would love to assist you. Call us now to get quotes for a new home insurance policy. 

Should You Get Comprehensive or Collision Coverage?

If you own a car, you’re legally required to have insurance. But what kind of insurance should you get? The options can be confusing, and it’s hard to know what coverage you need. Do you need comprehensive coverage or collision coverage? In this blog post, we’ll explore the answer to that question.

First, we’ll examine what each type of coverage entails. Then, we’ll consider some factors that will help you decide which coverage is right for you. By the end of this post, you’ll know exactly whether you should get comprehensive or collision coverage. Let’s dive in.

The first thing to understand is what each type of coverage covers. Comprehensive insurance covers damage to your car that is not caused by an accident. This can include damage from weather events, fire, theft, or vandalism. Collision insurance, just as it sounds, covers damage to your car caused by an accident. This includes damage from hitting another vehicle or hitting a stationary object.

So which type of coverage should you get? The answer depends on a few factors. One factor is the value of your car. If you have a newer car or a car worth a lot of money, you’ll want both collision and comprehensive coverage.

Another factor to consider is whether you are still paying off your car. If you are, you’ll likely be required by your lender to have both collision and comprehensive coverage. This is because the lender wants to ensure their investment is protected in case of an accident.

But ultimately, if you can afford it, we recommend getting both collision and comprehensive coverage. This way, you’ll be protected against any damage to your car, whether from an accident or not.

Get Auto Insurance in Virginia Beach, VA

Now you know whether you should get comprehensive or collision coverage. If you’re unsure or have any other questions about car insurance, our Insurance Shopper VA team is here to help. Give us a call today, and we’ll be happy to answer all your questions.

Why All Renters Need Renters’ Insurance

If you are renting your home, there are a lot of responsibilities that you have. Keeping renters’ insurance is a crucial way to live up to many of them. It would help if you had this protection in case of several risks that can happen while you live there. Renters’ insurance can help mitigate many of these risks and protect you financially in several ways. Call us at Insurance Shopper VA in Virginia Beach, VA if you rent and need insurance.

Protect Your Belongings

When you rent your home, all your possessions are likely inside that home, and you need to protect them. With renters’ insurance, you get that protection. If a damaging event to your home ruins your belongings, you would have to start all over again if not for renters’ insurance. With one of these policies, it can pay for you to replace your things so that you can get back to your everyday life much faster. 

Protect Your Liability

Even though you don’t own the home, you are still responsible for accidents. If someone came to your home and suffered an accident with injuries, you are likely to be held liable for the medical costs that come from the accident. These can be expensive, given the rising cost of medical services. With renters’ insurance, the policy can pay those costs so that you don’t have to come up with the money yourself. It’s essential to have this coverage just in case so that you won’t have to come up with thousands for medical bills. 

Get Renters’ Insurance

As a renter, you need to be able to protect yourself from several risks. To do that, keep a renters’ insurance policy. Call us at Insurance Shopper VA in Virginia Beach, VA. 

 

I’m Lending My RV To A Friend. Do I Need To Get Them Insurance?

If your friend does not have RV insurance, you might need to get insurance for guests. The rental agreement and your relationship with the person influence everything. Most RV insurance providers will not cover a non-family member if the rental agreement does not include liability coverage. You should check with your provider. 

RV rental companies usually have a policy that covers the rental of their vehicles. However, if a friend or family member wants to borrow your RV and doesn’t have a policy, you must ensure you’re covered. For questions, consult Insurance Shopper VA, the firm based in Virginia Beach, VA. 

The Need for an RV Insurance 

Insurance is required if you lease the RV or lend it to a non-family member. Most RV insurance policies will not cover a non-owner, so make sure your friend has their own insurance. What if I don’t have a license? Unfortunately, you cannot get an RV driver’s license in every state. Eight states do not have this license. That said, you can still drive an RV if you have a regular driver’s license. You have to take an additional driving course. What if I don’t have a license and don’t want one? You can still rent RVs, but you must have a licensed driver on your insurance. 

RV owners lending their vehicles out to a friend or family member need to ensure that the person driving it has their insurance policy. If an accident occurred and the RV was not insured, the owner would likely be liable for damages or injuries. In addition to getting your RV insured, you may consider having it inspected before lending it out. An inspection can help identify any maintenance issues that need to be addressed before the RV is put into service. 

Summary 

You will need RV rental insurance if your RV is not in your possession. The amount of coverage you purchase will depend on the value of your RV. RV rental insurance comes with a high deductible, so keeping your insured with a standard policy while it’s in someone else’s possession is essential. If based in Virginia Beach, VA, contact Insurance Shopper VA.

4 Common Mistakes People Make With Their Motorcycle Insurance

It’s no secret that motorcycle riders face unique risks on the road. What may be less well known is that those risks are amplified when a rider doesn’t have the proper insurance coverage. In this post, we’ll discuss four common mistakes people make with their motorcycle insurance and how to avoid them.

1. Not Getting Enough Coverage

One of the most common mistakes people make with their motorcycle insurance is not getting enough coverage. Many people only get the minimum amount of coverage required by their state, but this may not be enough to cover all of your expenses if you are in an accident. Make sure to speak with your insurance agent to determine how much coverage you need.

2. Not Understanding Your Policy

Another common mistake people make is not taking the time to understand their policy. It’s important to know what your policy covers and what it doesn’t. Otherwise, you may find yourself in a situation where you’re not covered for something you thought you were. If you have any questions about your policy, ask your insurance agent.

3. Using Incorrect Information

When applying for motorcycle insurance, it’s important to use accurate information. If you provide your insurance company with incorrect information, it could invalidate your policy. Double-check your information before you submit it to your insurance company.

4. Letting Your Policy Lapse

If you let your motorcycle insurance policy lapse, you could be in for a rude awakening if you get into an accident. Your rates will likely go up, and you may even have to pay for damages out of pocket. To avoid this, keep up with your payments and renew your policy before it expires.

Get Motorcycle Insurance in Virginia Beach, VA 

If you’re a motorcycle rider, it’s vital to ensure that you have the right insurance coverage. Avoid these four common mistakes, and you’ll be on your way to peace of mind on the road. Insurance Shopper VA can help you find the right motorcycle insurance policy for your needs. Contact us today for a free quote.

 

Common Boat Insurance Exclusions

Your boat insurance always comes to your rescue in time of need, but this may not be the case sometimes. Like most insurance coverages, your boat insurance doesn’t protect you against all risks. Knowing what boat insurance covers is critical, but so is understanding boat insurance exclusions. Insurance Shopper VA of Virginia Beach, VA is here to have a rundown of common risks not covered by boat insurance. Let’s dive in.

Mold

Your boat spends most of the time in the water, so mold damage is never far from you. Unfortunately, mold damage isn’t covered by boat insurance. However, you can mitigate the mold threat by ensuring your boat is dry before storage.

Pest damage

Like mold damage, your insurer will ignore any claims you make to seek repairs after a pest infestation. That said, you must take care of your boat, and this includes considering periodic extermination services to keep pests away from your vessel.

Wear and tear

If you want to extend the life of your boat, maintenance has to be part of the equation. Yes, boating is fun, but you have to return the favor by taking optimal care of your vessel. If something happens because of your neglect, not even your insurer will help you.

Intentional damage

This is easy — don’t intentionally cause damage to your boat and then run to your insurance for compensation. Worse yet, if the insurer establishes you caused intentional damage to defraud them, you may be in deeper trouble.

Mechanical breakdowns

Most boat insurance policies won’t cover mechanical breakdowns. So, read the fine print to establish when boat insurance won’t bail you out.

Partner with us for all your boat insurance needs

At Insurance Shopper VA, we like to equip our clients with enough boat insurance information to ensure they get the most out of their policies. Please get in touch with one of our sales agents to partner with us.

What is umbrella insurance and why do I need it?

If your insurance agent has ever suggested that you consider umbrella insurance, you may have wondered why? Most people don’t really understand what umbrella insurance is and why they should have it. At Insurance Shopper VA in Virginia Beach, VA, as independent insurance agents, we work for our customers. We represent many top-rated carriers and we are able to find the right policy at the right price. 

To understand umbrella insurance, you need to think of an umbrella. You are your assets and the umbrella is umbrella insurance. When rain is falling, your umbrella protects you from getting wet and your umbrella insurance protects your assets from being affected by the many adversities that the world can throw at you. 

Umbrella is excess liability insurance. What that means is that it is an extra layer of liability protection. It works with other policies that you have that offer liability coverage. In the event that you have an accident that causes injuries, your primary insurance will cover your liability up to the limit of your policy. If the injuries go beyond the primary limit, your umbrella insurance will pay up to the limit of that policy. It is an extra layer of peace of mind. 

Many policies that you may already own have a liability component. Your one umbrella policy works with all of them to offer you the protection you need. Some people believe that umbrella insurance is only for the wealthy, but nothing could be farther from the truth. If you have any assets, they can be at risk of a lawsuit and you have worked too hard for whatever assets you have to allow them to be in danger. 

Contact Insurance Shopper VA in Virginia Beach, VA when you are ready to consider purchasing this very important insurance.

Who needs flood insurance in Virginia?

Flooding is the number one disaster in Virginia. Unfortunately, when floods strike, your typical home insurance won’t save you because flood damage isn’t covered by home insurance. Wondering whether you need flood insurance in Virginia Beach, VA? Keep reading as Insurance Shopper VA sheds light on persons that need flood insurance.

If you have a mortgage

If you have secured a mortgage from a federal-regulated financial institution, your lender might require you to invest in flood insurance if you live in a flood risk area. Even if you don’t live in a high-risk flood area, your lender may still insist you invest in flood insurance. So be sure to read out your loan agreement to understand the requirements beforehand.

If you value your home

If you love your home, you better invest in flood insurance since flood damage can be expensive. A one-inch rise in water level can cost repairs worth $25,000! If the floods are pretty significant, it could cost you quite a fortune to repair your home.

Because it has cost you a lot of time and money to bring up your home, it makes sense to secure it with everything you got. Home insurance is okay, but it can only do so much against floods. For that reason, you need to invest in flood insurance to protect your high-priced asset.

If you need peace of mind

Want to live a worry-free life? One of the best ways is to invest in flood insurance to keep you from worrying about risks like floods.

Buy flood insurance today!

Since floods can strike anywhere, everyone with a home needs flood insurance. Want to get coverage in Virginia Beach, VA? Please get in touch with Insurance Shopper VA for an affordable quote.

5 Benefits of Condo Insurance

Many locations in Virginia are increasingly becoming urban. This upsurge has led to many residents of Virginia Beach, VA, resulting in owning condos to get the convenience of living near urban centers. While owning a condo is great, you need condo insurance from Insurance Shopper VA to protect your investment. Yes, we know that you contribute towards the condo owners association (COA) policy, but this insurance plan is restricted to the areas outside your condo. 

Having second thoughts about condo insurance? Consider the below benefits to persuade your decision.

Liability protection

If accidents happen inside your condo, you could be held responsible for injuries that occur to visitors. Besides, if you, your family, or your pet cause property damage to third parties, condo insurance bails you.

Asset protection

What are the assets inside your condo? Suppose a fire consumes your electronics, jewelry, clothing, and furniture. It would be a massive blow, right? Thankfully, if you have condo insurance, it can compensate if you lose your assets because of a covered peril.

Loss of use

If a risk listed in your policy makes your condo unlivable, you will have to incur additional expenses like hotel food, accommodation, and laundry until your dwelling becomes livable. Thankfully, if you have condo insurance, you don’t have to worry about additional living expenses.

Protects the interior

The COA policy protects the exterior of your building, but for the inside, it’s the responsibility of the owner. Condo insurance covers damage to the interior’s drywall, fixtures, and fittings, lessening your financial burden.

Peace of mind

Condo insurance makes your life easy by ensuring that you don’t spend sleepless nights wondering what could go wrong with your investment. It gives you peace of mind knowing that your condo is safe and protected.

Invest in condo insurance today!

Ready to protect your Virginia Beach, VA condo with condo insurance? Don’t hesitate to contact Insurance Shopper VA for an affordable quote.