There are two main categories of life insurance for those who are interested in coverage. These are called term life insurance and permanent life insurance. It is also important to be mindful of the fact that the state of California also has its own unique set of rules and laws regarding life insurance. This includes unique types of life insurance such as whole and variable. For the sake of simplicity, this discussion will be limited to the two most common.
The more common and straightforward option is term life insurance. You can purchase life insurance for the duration of your choosing, say 10 or 20 years, and you pay a premium to be covered for a certain amount during those years. In the event of your death, the insurance company pays your family the amount specified in your policy. If the purchaser is still alive at the end of the term, then there is no payout. The duration and payout amount are really the only thing the consumer needs to be concerned with, which makes this the simpler and more attractive option for most people.
Permanent life insurance is obviously quite different. By definition, this is a policy that is meant to be forever, regardless of when the purchaser may die. The amount is usually an accumulation of money paid into the policy over time, which will affect the amount paid out to family members in the event of the purchaser’s death. Due to this factor, payout amounts can vary greatly based on the amount of money invested and the timeframe the purchaser was paying into the policy.
For more information, please contact Voi Insurance Solutions, LLC serving the Glendale, CA area. We can also be reached at our office in Glendale, CA to speak with an agent at Voi Insurance Solutions, LLC directly.
Winterizing your vehicle will not only protect it from cold weather but make it safer to drive when temperatures drop. There are various ways to winterize a vehicle. Here are just a few:
Check the Windshield
Check your windshield for chips and cracks. Cold temperatures could cause cracks to spread and compromise your safety. If you have cracks in your windshield, have them repaired before cold weather sets in.
Change the Wipers
Replace worn wipers, so you will have maximum visibility driving in foggy, rainy, or icy weather. If your wipers smear or squeak when in use, it’s time to get new ones.
Good tires are essential to safe winter driving. If your vehicle has old, worn tires, consider upgrading to new ones before winter sets in. Quality all season tires will keep you safer from accidents in Los Angeles or Glendale, CA when driving on slippery roads.
Test the Battery
Before winter sets in, have your battery examined by a mechanic to ensure it’s working at optimum capacity. Cold weather will tax your battery, making it work harder than usual. A weak battery could easily fail during holiday shopping and leave you stranded by the side of the road. In contrast, a new battery will give you top performance all winter long.
Change to Winter Grade Oil
Have your mechanic change your oil to winter-grade oil so your car will function better during the cold winter months. Winter grade oil will keep your engine well lubricated in cold weather, so your vehicle runs smoothly throughout the season. Your mechanic can help you find an appropriate oil for winter.
Don’t forget to update your car insurance with Voi Insurance Solutions, LLC in Glendale, CA for optimum protection on the road. For quality auto insurance at reasonable costs, contact Voi Insurance Solutions, LLC.
One of the most important assets a business owner can have is commercial insurance. This type of coverage helps protect the company or business owner from loss and liability. There are many different ways that commercial insurance can help prevent financial losses including protection from damage resulting from storms.
If you are the owner of a business and have a solid commercial insurance policy, in most cases, that insurance policy will protect you from the losses incurred as a result of wind damage from a storm. Of course, not all insurance policies are the same so that the coverage can vary greatly. If you are living in an area that is prone to wind damage or severe weather, it is critical that you understand the terms and conditions of your insurance policy. If you don’t feel that that policy you are considering offers adequate insurance coverage from wind damage, then you should continue to look for alternatives. Don’t leave yourself vulnerable. Always make sure you select the right amount of coverage.
If you live in or near Glendale, CA, then you should check out Voi Insurance Solutions, LLC. We have skilled representatives to help you find the exact amount of coverage you need. We can make sure that you aren’t sacrificing coverage you need for a lower price. Also, we can work closely with you to help you submit claims and answer any coverage questions as they arise in the future.
Don’t take chances when it comes to protecting your company with commercial insurance. If you are in or around the Glendale, CA area, Voi Insurance Solutions, LLC can help you get the coverage you need.
Voi Insurance Solutions, LLC in Glendale, CA is true to its name. We believe in finding solutions to problems.
Much like your home renovation project, we endeavor to improve upon what already exists. Calling your insurance agent first before you begin the renovation is the most sound practice. Becoming familiar with your home insurance policy can only benefit you and your family. When you contact your agent, you can discuss what renovation ideas you have and how you esteem the impact on your policy. It’s better to find out first because if you have to go to your policy or the rate of your premium is somehow changed, you would be able to budget accordingly. You may have to add any additional cost to the overall renovation budget.
Another reason to contact your insurance agent prior to starting your renovation is that the agent may have great information for you. Most people are going to buy the aspects of acquiring permits when it comes to renovating their home. We can tell you much about this process which makes it easier.
The renovation that is most likely to cause the greatest impact to your insurance policy is when you add Space that includes rental potential. Renting port or hole of your property involves a huge additional liability to yourself. We are not trying to discourage you, we want you to be well informed. We will tell you exactly how this renovation that you’re planning will impact your homeowner’s insurance policy.
Located at 6100 San Fernando Rd., Voi Insurance Solutions, LLC is your go-to professional insurance agency in Glendale, CA. Call today at 818-435-8225. When you are ready to go forward with your renovation be certain to contact us first.
For people in the Glendale, CA area, spending an afternoon on a boat on a hot summer day is a great and gratifying activity. While most people consider a boat to be a recreational vehicle, it is also something that is very valuable and needs to be adequately protected by insurance. There are several situations in which you will need to make sure that you have the proper coverage in place on your boat.
When you are looking to operate a boat in California, there are no state laws that will require you to keep your boat insured. However, California is full of local lakes, marinas, and waterways that can have certain rules and regulations. Due to the risks that come with operating a boat, you may be required by local associations to keep at least a minimum liability insurance policy in place at all times. This will give coverage to you in the event you are at fault in an accident while operating your boat.
Since boats can be very expensive, many people today take out loans to finance the purchase. When you are looking to buy a boat, you should understand if your lender will require you to carry insurance. This is often a basic requirement set forth by lenders as it will help to ensure that their collateral is protected.
If you have a boat in the Glendale, CA area, you should reach out to Voi Insurance Solutions, LLC to determine whether or not you need to have boat insurance. The team at Voi Insurance Solutions, LLC will also be able to help you to understand better what levels of coverage you should get to make sure you get the best policy possible. Reach out to our offices to speak with an agent and get a quote.
Whether you are a road warrior seeking new adventure or you are just looking for a flexible way of getting around town, there is nothing as exciting as riding a motorbike. However, driving a motorcycle in Glendale, CA also comes with its share of risks. In fact, motorcycle accidents are more life-threatening compared to car accidents.
This is the primary reason why you need to consider purchasing a motorcycle insurance policy from Voi Insurance Solutions, LLC to protect you, your passengers, and your investment. Buying a motorcycle insurance policy is one thing and knowing when to file a claim is a different thing. Do you know when you should file a motorcycle insurance claim? Read on to find out.
When You Are Involved In an Accident
This one is quite obvious and pretty straightforward. The primary reason why you bought your motorcycle insurance policy was to be able to get help when you are involved in an accident. You need to remember the fact that a lot of damage will occur when an accident happens, and you will need to take care of that damage eventually to get back on the road.
For instance, you need to repair your motorbike and settle the medical bills of the people who were involved in the accident. If the accident is severe, make sure that you are safely off the road before you call the emergency number for urgent help. You should also try to document everything since you will need this information when filing your insurance claim.
When Your Motorcycle Is Stolen or Damaged By a Covered Event
Any person who owns a motorcycle in Glendale, CA will admit the fact that bikes have become easy prey for a lot of professional thieves due to their small size. Unlike a vehicle, it’s pretty easy to move a motorcycle even without a key. Comprehensive motorcycle insurance also covers other types of non-collision damages such as vandalism to your bike by third parties.
Are you a proud owner of a motorcycle? Contact Voi Insurance Solutions, LLC today for a motorcycle insurance policy.
Did you know that your home and auto insurance may not be adequate to cover for all damages and losses, and that they have a coverage limit? Well, umbrella insurance, or extra liability coverage, covers for what your auto, home, or boat insurance cannot cover.
At Voi Insurance Solutions, LLC in Glendale, CA, we recommend that all California residents purchase this policy. This coverage protects you from various stringent California personal injury lawsuits or any other circumstance that could get you sued. Apart from injury protection, the policy also covers a wide range of legal issues like libel, property destruction, false arrest, slander, and other coverage problems.
Umbrella insurance can be beneficial particularly for homeowners, landlords, or people with lots of properties, although, anyone is eligible to purchase it. The policy is extremely cost-effective for anyone who would want to add extra coverage to their assets. Umbrella insurance protects you from:
- Property damage: Covers for damage or loss on another person’s property in which you are held accountable. For instance, your pet breaking your neighbor’s glass window or accidental damage to another person’s property due to your child’s negligence.
- Bodily injury liability costs: Bodily injury coverage pays for medical assessments of other people in which you are at fault. For example, accidental injuries sustained due to an accident that you caused such as your pet attacking a neighbor and hurting them, a visitor’s child who falls while playing in your yard, or a guest who gets injured under your roof.
- Rental liability costs: This coverage is valuable for landlords who may face lawsuit challenges from their tenants.
For all your insurance needs, insurance information, new policy discussions, or quotes, Voi Insurance Solutions, LLC is the agency to contact. Visit us in Glendale, CA or call us and speak to any of our agents to have your questions answered.
Your renter insurance policy from Voi Insurance Solutions, LLC offers you comprehensive coverage for your damaged, lost, or stolen personal property. It will also cover you for injuries caused to another individual that may occur in your rented apartment or home. For instance, if a visitor gets hurt in your rented apartment in Glendale, CA and the injury is deemed to be your fault, then the injured person can file a liability claim against you, and your provider may cover all the costs associated with the injury. But when does a renter’s insurance coverage fail to cover theft?
When Does Your Renter’s Insurance Cover Theft?
Typically, your renter’s insurance policy will cover a majority of the theft cases from your rented apartment. The theft protection covers your possessions both on and offsite. This means that your personal possessions are covered even outside your rented apartment or home. For instance, if your favorite bike is stolen from outside or your suitcase is stolen while you are traveling, you shouldn’t be afraid to file a claim since your insurance provider will reimburse you. However, personal possessions that may be stolen from your car or a construction site may not be covered. Your renter’s insurance policy will also cover you if you are a student living in a temporary residence.
Your Renter’s Insurance Policy and Roommates
Most people in Glendale, CA tend to ask the question, "does my renter’s insurance policy cover my roommates’ personal possessions against theft?" The simple answer to this question is no. If your roommates’ personal property is stolen and they aren’t included in your policy, you can’t use your policy to recoup their losses. Your renter’s insurance policy doesn’t automatically cover everyone in your house unless they are your spouse. Each of your roommates needs to get their own renter’s insurance policy to enjoy its benefits.
Contact Voi Insurance Solutions, LLC today for answers to your renter’s insurance questions and to get a quote.
Most parts of California, including Los Angeles and Glendale, CA, are vulnerable to floods. Buying flood insurance from a reputable provider is the best step you can take to protect your family, home or place of business, and financial security. The US government, through the National Flood Insurance Program (NFIP) and National Emergency Management Agency (FEMA), provides flood insurance in areas considered prone to floods. However, one can choose to purchase flood insurance privately.
Flood insurance is a relatively recent phenomenon and is only offered by specific providers. Voi Insurance Solutions, LLC in Glendale, CA is one of them. Here are some of the benefits you get when you purchase a flood insurance policy with us:
- Guaranteed Compensation. The government provided flood insurance coverage doesn’t guarantee compensation for all the losses incurred during floods. With our private flood insurance policy, you are compensated for any losses you may incur as long as they are covered.
- No Paybacks. With government-sponsored coverage, compensation (or relief) received will be repaid like a loan. With private flood insurance, the policyholder is fully compensated as per the terms of the policy. It’s not a loan.
- No Coverage Lapse. With our flood insurance policy, the coverage is continuous. You are home or business premises will always be protected as long the premium is paid on time.
- Comprehensive Coverage. The government-run insurance program doesn’t usually cover everything you need to be covered. Our private insurance policy will cover whatever the government flood insurance program doesn’t to make sure that you are adequately protected.
In most cases, floods are unpredictable and cause a lot of damage. Even when you know they are coming, there isn’t much you can do to prevent the losses. Flood insurance is the way to go. For more information on flood insurance and coverage options available at Voi Insurance Solutions, LLC, call us and speak to an agent or visit our offices.
Condo insurance is one of the most misunderstood types of insurance. In general, if you live in a condo, you are actually covered under two different kinds of insurance: the insurance the condo association maintains and the insurance that you, yourself, as a condo owner have. Not only can it be confusing when it comes to understanding which type of coverage provides protection in a particular instance, changes to the coverage that your condo association offers could be buried in a document that contains multiple updates. This can make it difficult to stay knowledgeable about the kinds of protections you do have.
At Voi Insurance Solutions, LLC, we are here to help condo owners in Malibu, CA and the surrounding areas by taking the mystery out of your condo insurance. While it is true that your condo association most likely requires you to have an individual policy for your condo — like most such condo associations in the United States — what is not as clear is what kind of deductibles and coverage options are the best for your particular situation.
Voi Insurance Solutions, LLC can help Malibu, CA condo owners figure out the building items that are not provided coverage by the master policy that the condo association holds. These might include items such as improvements that you have performed as the owner, hardwood floors, appliances that are built in and the like. We can also help you determine how much it would cost you to replace each structural item in your condo should the unthinkable happen.
Another consideration is coverage that pertains to special circumstances such as roof leaks that cause water damage to the ceilings and walls in your own unit. We can also help you account for any losses you might incur due to the deductible included in the master policy. Contact us today to learn more!