Virginia Condo Insurance – Are Items Inside The Condominium Covered Under Condo Insurance?

Traditionally, condominiums used to be the status quo of the retirement community.  These days, more and more younger adults are now making the switch over to condominiums and it’s easy to see why.  In comparison to apartments and lower-tiers of housing, condos bring a higher sense of status within the community.  There are nicer accouterments and membership in an HOA which were usually only reserved for gated communities or high-tiered neighborhoods.  For those looking into getting a condo, Insurance Shopper VA in Virginia Beach, VA can answer all of your insurance questions.

Condo Insurance

If you owned a home, you would purchase homeowners insurance, right?  The same can be said for condominium owners as there are plenty of condo insurance options available.  There are natural questions to ask such as:  Isn’t the building covered under the property management’s commercial insurance?  How does condo insurance differ from homeowners insurance?  What about liability damage?  Are my items inside my condo covered under condo insurance?  These are all pertinent questions that you would normally consider when looking to get condo insurance.

Your Items, Your Condo

When it comes to your items inside your condominium, they are covered under your condo insurance policy as it would be under a normal homeowners insurance policy.  The only sticking point would be if you made additions or alterations to your condo, then you would have to get permission from the HOA (Homeowners Association) to make those changes.  The HOA would then advise as to what’s covered under your policy and what’s covered under the property management’s policy.

Further Information

You can find out more about condo insurance by contacting Insurance Shopper VA in Virginia Beach, VA today!

Why You Need Dump Truck Insurance

Hauling items with a dump truck comes with a number of potential risks. These machines are highly expensive, and they need to be covered with dump truck insurance. The type of insurance that you need to get depends on a lot of factors. When you need dump truck insurance, give us a call today at Insurance Shopper VA in Virginia Beach, VA to find out more. 

Locally or Over the Road

The insurance that you need if you drive locally is far different from driving over the road. Over-the-road hauling tends to come with a number of risks that need to be covered by insurance. Make sure that the dump truck is covered by both liability insurance and by physical damage insurance so that you aren’t stuck with enormous repair bills after a collision or other type of accident. 

Coverages for Dump Trucks

When a motor carrier leases to an aggregate hauler, the motor carrier will likely provide the necessary liability insurance that is needed while you are working. This pays for damage done to other property and injuries to others that happen because of the dump truck. However, many times you will need to get physical damage insurance on your own which covers damage done to the dump truck itself. If you are your own motor carrier working for yourself, you will have to get all of the insurance types needed on your own. This can also include insurance for when you are driving the truck off the time clock. 

Protect Yourself With Insurance

Having an accident with a dump truck can be extremely costly, and no one wants to have to foot the bills for medical costs and property damage. Make sure that you always have the truck covered with the needed insurance coverage. Call us at Insurance Shopper VA in Virginia Beach, VA  to get started. 

How to Get the Most out of Your Commercial Insurance Policy

Most business owners are aware that a salient commercial insurance policy is a cornerstone for operating a successful business. However, in the bustle and hassle of running a business, most entrepreneurs may forget how to maximize their insurance coverages to work for them.

Thankfully, if you devise the strategies offered by Insurance Shopper VA in Virginia Beach, VA, you can be confident that you will be protected even against unpleasant surprises. Here are four tips to make the most out of your business insurance policy.

Review your commercial insurance policy frequently

Many startups make a rookie mistake of assuming they are covered, only to get a rude shock that they aren’t. Most business owners will faithfully renew their policies but never bother to update them as their needs change.

To steer clear from this nightmare, successful entrepreneurs update their business insurance plan at least once a year. And sometimes, you don’t have to wait for a year to update your policy. The addition of new products, changes in the workforce, and change of location are examples of triggers to review your policy.

Employ risk reduction strategies

Because you have a commercial insurance policy in place, it doesn’t mean you let your guard off when it comes to mitigating risks. Take steps to reduce employee and customers injuries. This keeps your claims in check and helps you set up a strong defense if you are sued.

Work hand in hand with your insurance agent

Since you can’t predict business liabilities, it’s pivotal to work closely with a knowledgeable insurance agent to predict the unpredictable. Besides, partnering with a trusted insurance agent ensures you are adequately covered and that you are paying for what you need. 

Would you like to learn more about commercial insurance? Don’t hesitate to get in touch with Insurance Shopper VA for more information. Else, you can come to our Virginia Beach, VA offices to speak to one of our agents in person.

Reason why you may need more liability coverage

Peace of mind is what homeowners expect from their home insurance. It offers a variety of types of protection that cover the structure, the contents, and also your assets. Liability coverage is something that isn’t static and you may need to reconsider the amount that you have. At Insurance Shopper VA in Virginia Beach, VA, we are an independent insurance agency that has been helping locals with their insurance needs for more than 20 years. 

Liability coverage protects your assets from legal actions that can be taken against you. It also pays when someone is injured while visiting your home or by a member of your family, even a furry one, away from home. Suing has become all too common and your chances of being sued at some point are pretty high. Some things are particularly risky when it comes to being sued and if they are something that might affect you, increasing your liability coverage may be warranted. 

Swimming pool

Swimming pools are great for entertaining and also for enjoying on a hot day. They do, however, increase your liability risk. If someone is injured or drowns in your pool, even if they were not invited by you to use your pool, you could be sued and your assets placed at risk.


Trampolines offer a great way to enjoy exercise for adults and children.  They also offer a lot of temptation to people who may want to use them without your permission. 


A dog may be a man’s best friend, but they are also a liability risk. Some dogs are considered so much of a risk that your home insurance may not cover them. Be sure to check with your agent if you add a dog to your family. 

 Contact Insurance Shopper VA in Virginia Beach, VA  with your home insurance.

Can auto insurance in Virginia help someone?

Those that live in the Virginia Beach, VA area will always want to ensure that they have a way to get around town. A great way to ensure that you are able to do this is by investing in your own vehicle. When you do buy a car, you also need to choose a new insurance plan for it. An auto insurance policy can help someone in this area in a few different ways. 

Provides Valued Coverage

One way that your auto insurance plan can help you is by receiving valued coverage. Anyone that is going to purchase a vehicle will want to know that it is covered and will last for a long time. With an auto insurance plan here, you can get the coverage necessary to repair your vehicle in many situations. This coverage can provide helpful liability insurance, which can be useful if you are ever deemed liable for damages in an accident.

Coverage Ensures Compliance

You will also find this coverage helpful because it can ensure you remain in compliance with various insurance requirements. If you have taken out a loan when you buy a car or want to drive the vehicle on a public road, you are going to need to have insurance. With a proper plan, you will remain in compliance with all requirements. 

If you are in the Virginia Beach, VA area and want to have proper insurance coverage, it would be a good idea to call Insurance Shopper VA. There are a lot of choices to make as you are looking for auto insurance and Insurance Shopper VA can make it easier for you. The team here excels at helping people understand their various needs and options. This will help people choose a plan that will properly protect their vehicles. 

Why do people in Virginia Beach need renters insurance?

When you are in the Virginia Beach, VA area, you are going to have different housing options. One option that a lot of people continue to consider is renting their home. If you decide to rent a property in this part of Virginia, you will find there are a lot of advantages including less of a commitment. If you do rent, you should get the right insurance. This coverage is needed for a few reasons.

Landlord Requirement

A common reason that you will need to have a renters insurance plan here is that it is a landlord requirement. When renting a home, you are going to sign a lease agreement that will include many provisions. One typical requirement is to require you have renters insurance. The landlord will likely require you to provide evidence of coverage before the start of the lease and not having coverage could invalidate the lease. 

Protection for Tenants

Even if you do not have a renters insurance requirement, having the protection is still a good idea. When you have this coverage, it will offer a lot of support and protection. With this insurance protection, you can have the support needed to cover your personal assets and provide some personal liability coverage. This can be helpful if there is an accident that results in damages or a loss of your personal assets. 

Renting a home can be a great option for those in the Virginia Beach, VA area. As you are looking for a new renters insurance plan for your new home, you should call Insurance Shopper VA. There are many choices that come with picking an insurance plan and Insurance Shopper VA can make it easier for you. The team can answer any questions that you have and ensure you receive proper coverage. 

Is RV Insurance Required in Virginia?

Recreational Vehicles (RVs) are a magnificent way to enjoy traveling in comfort while experiencing breathtaking fun in Virginia Beach, VA, and its environs. However, you need RV insurance to safeguard your camper, travel trailer, and motorhome from perils like theft, collisions, vandalism, and many others. 

 If you are aspiring to buy an RV this summer, it’s imperative to understand what type of insurance you need. But since RVs border between a vehicle and a home, you might be confused about insurance suitable for you. Fortunately, Insurance Shopper VA is here to assist you in choosing proper coverage for your RV. 

Is RV insurance required in Virginia?

RV insurance is not mandatory in Virginia. However, if you are financing the purchase of a motorhome through borrowing, your lender will require you to carry RV insurance before your financing is approved.

RV insurance coverages in Virginia

RV insurance is broad to suit various RV owners’ needs. If you are shopping for RV insurance in Virginia, you are likely to come across the below options:

  • Collision coverage: Reimburses repairs or replacement of your RV if it is damaged in a collision with another vehicle, post, boulder, or guardrail.
  • Comprehensive coverage: It covers losses or damages to your RV that is propagated by non-collision-related threats such as falling objects, fire, theft, hail, and vandalism.
  • Roadside assistance coverage: RVs breakdowns are part of the ownership journey. And to be fair, it can be frustrating. Fortunately, when you have this add-on on your RV insurance, you get services like towing, puncture repair and other roadside support services. 
  • Contents insurance: Your RV is probably packed with personal valuables such as clothing, appliances, and electronics. This coverage compensates you if your RV is burglarized or if covered perils damage the assets inside your RV.

Are you looking for RV insurance in Virginia Beach, VA? Please contact Insurance Shopper VA. Our professionals will help you design the strongest shield possible to aid you in safeguarding the property you are working hard to build.

How much Umbrella Insurance Will I Need?

As a resident of Virginia Beach, VA, you already know that having different types of insurance policies comes in handy. Auto, renters, homeowners, and health insurance are some of the insurance policies you need to meet government regulations and personal needs.

As Insurance Shopper VA notes, these insurance policies might not be enough to cater to certain liabilities. Most of them are very limited, which means that anything that gets beyond the covered limit can be a financial headache.

Using Umbrella Insurance

There are very many insurance holders who have found themselves in tight spots after their limits being reached. Others have resorted to selling their properties to cater to the additional liabilities.

However, with umbrella insurance, you can always cater to the unseen liabilities that might go beyond your covered limits. This means that you will not exhaust your savings or sell your properties to cater to such expenses. 

How Much Umbrella Insurance Do You Need?

Generally, umbrella insurance picks up from where your regular insurance policies have limits. This means that it is supposed to cater to the extra expenses. Usually, such extra liabilities are not too much. Therefore, simple umbrella insurance will help in addressing the excess liabilities.

Most of the companies charge between $150 and $350 a year for a coverage of $1,000,000. However, any umbrella coverage beyond this might go for a premium of $100 per year. The best thing is to consult your insurance company to understand other provisions with regard to financial requirements. 

Working with a Reputed Umbrella Insurance Company

Umbrella insurance is not a straightforward insurance policy. That is why you need to work with umbrella insurance with a good reputation in Virginia Beach, VA. Insurance Shopper VA has consistently proved to be a reliable umbrella insurance company that can help you calculate your umbrella insurance costs.

Should I get a boat insurance plan in Virginia Beach?

Those that live in the Virginia Beach, VA area will enjoy the warm weather that exists for a large portion of the year. If you would like to enjoy this area of the country as much as you can, investing in your own boat is a good option. Along with getting a boat, you also need to get a proper insurance plan for it. There are several reasons why you need to have boat insurance here.

Insurance Covers Your Boat

A good reason that you should get a boat insurance plan when you are in this area of Virginia is so you can protect your boat. Buying a boat always comes with an investment that you will want to protect as well as you can. If you get a boat insurance plan, it will provide the coverage that you need to repair or replace your boat following any type of accident or theft. 

Insurance Offers Liability Coverage

You should also obtain a boat insurance plan to ensure you have liability risk protection. Boat owners and drivers should be aware that they will be responsible for damages that they could cause in an accident. If you have a boat insurance plan, you are going to get the coverage needed to offset this liability risk. 

If you would like to get a boat insurance plan when you are in the Virginia Beach, VA area, it would be a good idea to call the Insurance Shopper VA. If you do reach out to the team at the Insurance Shopper VA you can learn a lot about how this insurance can protect you. They can offer any support or guidance that you will need to build a plan that protects you and your boat. 

Umbrella Insurance: What It Is & What It Covers

Most people in Virginia Beach, VA, have standard insurance policies that only cover liabilities within a specific range. This can be a risky situation if the level of liability in a given lawsuit exceeds your current premium. So, what do you do in such cases? Most people opt for umbrella insurance to deal with this gap in liability coverage. Here’s more on umbrella insurance. 

What’s Umbrella Insurance?

An umbrella insurance policy refers to extra liability insurance coverage that offers an additional range beyond what most options provide. The plan is more useful to individuals and businesses who are the greatest at risk of being sued for damages caused to others in case of an accident. The best thing about umbrella insurance is that it also provides coverage against additional concerns such as libel, vandalism, slander, or privacy breach. 

Benefits of Umbrella Insurance 

 When you think about umbrella insurance benefits, you can’t overlook the fact this coverage option is way broader than most other options. The plan covers threats, dangers, and unforeseen circumstances, which most standard insurance options may not cover. 

Compared to other insurance plans, umbrella insurance has unique flexibility for the insured. You don’t have to be stuck with coverages that may be cast in stone in case of a situation that’s not within your current plan. 

Contrary to what most people assume, you can get umbrella insurance at way cheaper rates. This is true, especially for Virginia Beach, VA residents, who opt to get their umbrella insurance from Insurance Shopper VA. Your umbrella insurance coverage doesn’t have to cost you an arm and a leg. 

Get Expanded Coverage Today 

Most insurance coverage options can be limiting. Unless you get a flexible, inclusive, and broad plan, you might end up stranded in case of situations beyond your coverage. Our umbrella insurance coverage at Insurance Shopper VA offers all Virginia Beach, VA residents an expanded and reliable umbrella insurance plan. 

Call us today for unique insurance products and services.