Reasons to Update Your RV Insurance

You probably know that if you remodel or redecorate your home in Virginia Beach, VA, you need to update your insurance. The same is true for your recreational vehicle.

Many people redecorate or remodel their RV to update its look or make it ADA accessible as they age. These changes increase the value of the RV and will not be covered under an existing policy.

While interior design changes are the most common, other upgrades requiring an insurance update include the vehicle’s mechanical equipment such as engine upgrades.

You need to update your coverage because your policy only covers the RV as you purchased it. Without updating, your loss or damage would only cover the current Blue Book value of the vehicle. That can translate to thousands of dollars difference.

How do you know when you need to update? You can always phone Insurance Shopper VA, but here is a quick list of RV upgrades that mean you need to enhance your policy.
–    You install a new floor throughout the RV.
–    You update to smart windows or you have the windows tinted.
–    You update the kitchen appliances.
–    You install solar panels on the roof.
–    You upgrade the bathroom plumbing.
–    You install a more powerful engine.

While you must purchase the state minimum vehicle insurance, these types of updates mean you need to increase the amounts of collision, comprehensive and uninsured motorist coverage you have. If you do not already carry these, you should add them to your policy. Comprehensive coverage requires a deductible. Once you pay the deductible, it pays for the rest of the cost to repair your vehicle when it incurs damage from a named peril such as a fire. Collision coverage also requires a deductible, but once you pay it, the insurance pays for the remainder of the repairs to your RV when it gets damaged in a collision with an object or vehicle, such as a deer or another car or a fence.

Contact Insurance Shopper VA of Virginia Beach, VA to discuss the updates you made to your RV. We can help you determine the new level of coverage you need so your investment remains safe.

How to adequately insure yourself with motorcycle insurance

Regardless of whether you are a road warrior or still an amateur seeking adventure in the vast Virginia Beach, VA roads, you should critically think about motorcycle insurance. Like auto insurance, being in the streets requires some form of protection to protect you and other road users. So, how do you determine how much coverage is adequate for you? The Insurance Shopper VA discusses what you need to know about motorcycle insurance.

What factors affect your insurance premiums?

Whether you use your motorbike during summer or are an all-day motorcycle fanatic, your bike must be adequately insured. However, some factors can affect your insurance premium rates. Insurance companies will enquire about you and your motorbike to help them determine and calculate your insurance rates. The answers you give must be accurate as failure to provide truthful information could result in fines and penalties. Here are some of the significant factors that affect your premium rates.

  • Your age
  • your address
  • How you use your motorcycle
  • The model of the bike
  • Your riding history
  • Modifications

How to buy motorcycle insurance like a pro

Shopping for motorbike insurance is no different from shopping for an auto policy. At Insurance Shopper VA, we recommend checking with various insurance companies and comparing the rates to get the most out of your money. You need to be careful when choosing your coverages so that you don’t end up buying coverages that you don’t need or failing to get essential coverage.

All these are determined by your budget, lifestyle, values, and needs. With that said, there are ways you can save up when shopping for motorbike insurance. Here are a few ways you can go about it:

  • Shop different policies from the same provider
  • Maintain a clean driving record
  • Make use of your deductibles
  • Insure more than one bike with the same insurance company

Are you looking to buy motorcycle insurance soon? Insurance Shopper VA can help you find a package customized just for you. Call or visit our Virginia Beach, VA offices today!

Do ALL Boats Need Insurance?

In Virginia Beach, VA, you are required to register your vessel and take a boat safety training course, but you are not legally required to carry insurance for your boat. However, going without insurance can be very limiting.

The big issue you’re going to run into here: A lot of marinas in VA will not allow you to dock your boat without insurance.

Going out on the water, it’s unlikely that you’re going to run into anything, and if you do, you probably only have your own losses to worry about, so there’s no law stating that you need to carry liability insurance to pilot a boat. But when you’re docking, the risk goes up by quite a bit, so it stands to reason that marina owners will want you to carry insurance so that if there’s a lawsuit, it doesn’t fall on them.

This, of course, only applies to the kind of boats you’re going to be taking to marinas in the first place. If you’re using a small rubber raft to do a little fishing, you don’t really have much to worry about. You’re probably going to dock that on land, deflate it and tuck it into your car trunk. If you can’t lift your boat with your own two hands, then you need to start thinking about insurance.

If you’re looking for insurance in Virginia Beach, VA for your boat, get in touch with Insurance Shopper VA either through their website or by phone. Insurance might not be a legal requirement to pilot a boat in Virginia, but it’s not a bad idea, and it will allow you to dock at any marina that will have you.

How To Make Umbrella Insurance Work For You

We all know we need insurance protection for our home, vehicle,  and even our life. What many people do not know, however, is that home and auto policies can be exhausted before all of the expenses are paid. What do you do then? Luckily there is a solution; an umbrella policy. At Insurance Shopper, VA, serving Virginia Beach, VA, we love to educate our clients and future clients about topics such as this. 

What is Umbrella Insurance?

Umbrella insurance is a type of insurance policy that is designed to kick in if and when your other forms of insurance are exhausted during an accident or liability event. If an insurance policy is exhausted, any money still owed will be your personal responsibility. This can be catastrophic for most people. If you are held liable as the result of an accident involving your car or your home, your entire financial future could be jeopardized. 

Who Needs Umbrella Insurance?

Anyone can benefit from this type of insurance, however, individuals who own substantial assets are more at risk. If you hold substantial assets such as property, investments and savings, then you should consider protecting these assets through an umbrella policy. 

How Much Coverage Do I Need?

The amount of coverage a person needs is very individual to that person. In order to really understand how much coverage you need, you will need to speak with an insurance representative. They can help evaluate your particular situation to make sure you get the policy that is best for you. 

If you would like to learn more about umbrella insurance, please contact our friendly staff at Insurance Shopper VA, serving Virginia Beach, VA. 

3 Tips for Buying Flood Insurance in Virginia Beach, VA

Your home insurance policy does not cover every kind of flooding. That’s why it’s important to protect your home with flood insurance. While we can’t predict the future; we can be prepared. If you’re considering purchasing flood insurance in Virginia Beach, VA, the team at Insurance Shopper VA has put together three simple tips to help you get started.

1. Work with a Reputable Insurance Agent

The first item on your to-do list when looking for a new insurance policy is to contact a reputable insurance agent. She will help guide you through the process from start to finish, answer all your concerns and questions, and help you find the right flood insurance policy for a price you can afford.

2. Compare Several Insurance Quotes

There is no standard flood insurance policy. In fact, you can expect variations from one policy to another. For this reason, it is imperative you review several quotes before choosing a policy. A reputable insurance agent will help you do this by going over the quotes in fine detail to select the right one.

3. Bundle Your Insurance Policies

When you bundle all your insurance policies, such as life insurance, auto insurance, and home insurance, under one carrier, chances are you’ll get a discount on your premiums. Talk to your insurance agent about this. She will help you find an insurance carrier who loves to reward customer loyalty with discounts. 

To learn more about purchasing a flood insurance policy in Virginia Beach, VA, contact the team at Insurance Shopper VA, serving this area. Agents are waiting to take your call and get you started on finding the best policy to protect your home in the event of flooding.

Top 5 reasons to get condo insurance

Whether it’s your rental property or primary residence, you must make sure your investment is safe by getting condo insurance. Here are the top 5 reasons why you should get condo insurance:

  1. Liability Issues: Let’s say you or your tenant has a guest that gets injured, you can be heavily sued as the owner of the condo. Without a solid condo insurance coverage, you might end up paying out-of-pocket substantial amounts to settle such cases.
  2. Master Policy Deduction: Any assessment on the condo that exceeds the coverage of the master policy coverage can be billed to the owner for payment. This means you as the owner of the condo you might end up paying for this amount. This is where your condo insurance will protect you.
  3. Theft: Your furniture, electronics, clothing, etc. are vulnerable to theft but you can have peace of mind by having the ability to file a claim through your personal property coverage on your condo insurance.
  4. Can’t Live in Damaged Condo: In an unfortunate incident such as a fire at your condo, you or your tenant will not be able to live in the condo. Insurance policies can offer you a coverage that provides expenses to temporarily live elsewhere in such situations.
  5. Lost Rental Income: Certain condo policies have a provision to offer lost rental income to condo owners for a specific period of time in situations where the condo is not inhabitable.

Insurance Shopper VA in Virginia Beach, VA has just the expertise you require. Their well-trained agents will guide you to the best condo insurance policy for your needs. Do not let this opportunity to secure your investment slip by, visit their website for their contact information and get your policy started immediately. 

Can my condo insurance provider deny my claim?

A condo insurance policy is designed to provide coverage for your belongings and other certain items in the event some unexpected disaster occurs. In everything, there are horror stories where individuals who have insurance found out a little too late their claims wouldn’t be honored. The key to knowing whether your insurance completely covers you is to know the intricacies of the policy before you need to use it.

Condo insurance in Virginia Beach, VA

Obtaining a condo insurance policy is the first step in providing protection for your belongings, but there are instances where a claim may be denied. This could be because the claim is for damages not covered, there is flood damage and your policy does not have endorsements for flooding included, and other requirements of your state. The best course of action is to work with an insurance agent prior to putting your policy in place to ensure you have enough coverage and the provisions you need.

Shopping for the Best Insurance

The key to making sure your insurance provides the most comprehensive coverage is by shopping for the best insurance rates. While it may be easy to search yourself, it’s more advantageous to use an agent who has access to policies and rates that aren’t available to the general public. Insurance Shopper VA can assist with your searches and answer any questions you may have pertaining to what’s covered and what may not be covered. Make sure you have the right information to make an educated decision. For assistance in getting condo insurance and ensuring you won’t have to go through any denials in claims in Virginia Beach, VA, contact the team at Insurance Shopper VA today.

3 Tips for Buying Dump Truck Insurance in Virginia Beach, VA

As Virginia Beach, VA continues to develop, and age at the same time, contractors are buildings new structures and renovating old ones. These jobs often call for the use of a dump truck. From hauling dirt and gravel to rock, asphalt and other materials, dump trucks are also a vital tool for use in mining, road work, general construction, fracking, quarries, and more. If you’re looking to insure a dump truck, you’ve come to right place. At Insurance Shopper VA we know all about dump truck insurance and have listed three simple steps for finding the right policy at the right price. 

1. Decide to Work with a Reputable Agent

The first thing you’ll want to do is find a friendly agent with a strong track record of excellent customer service. Insurance agents are available to help customers understand the different policies out there and choose the right one. They answer all your questions and concerns and help guide you through the maze of dump truck insurance.

2. Be Sure to Compare Many Quotes

Comparing many quotes gives you an advantage. From this standpoint, you’ll be making an educated decision about which policy you believe is right for your particular needs. A reputable insurance agent comes in handy during this step as they will help to clarify all the details involved.

3. Bundle, Bundle, Bundle

One of the easiest ways to save on dump truck insurance is to simply bundle it with your other policies under one insurance carrier. By bundling your policies, you can get a discount on your premiums. Talk to your insurance agent about this easy way to save money.

To learn more about purchasing dump truck insurance in Virginia Beach, VA, contact the team at Insurance Shopper VA today. 



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.