Do You Have Enough Auto Insurance Coverage?

Insurance coverage requirements vary from state to state. In California, drivers are required to carry a minimum of liability coverage at $15,000 per person and $30,000 per accident minimum and $5,000 minimum for property damage.

And although these are state requirements, they may not be enough coverage for your personal needs. Voi Insurance Solutions, LLC can help you determine if you need more coverage for you and your family in the Glendale, CA area.

Minimal Coverage May Not Be Enough

There are many situations in which the state minimum is not enough coverage. Anything can happen, and you don’t want to be left in the lurch due to unforeseen events.

Although drivers are legally only required to carry liability insurance, comprehensive and collision insurance may also be necessary to protect your vehicle in case of an auto accident, theft, or vandalism. Liability only protects your financial assets if you’re found at fault in an accident. It does not cover your repairs and won’t pay for or replace your car if it’s stolen. And, if your vehicle is financed, your lender will require you to carry comp and collision insurance.

Did you know your auto insurance doesn’t automatically cover a rental car? That’s right. Your policy only covers your vehicle. If you’re a traveler who frequently rents vehicles, you might want to consider renters insurance as an add-on. 

If you’re involved in an auto accident with a driver who doesn’t have insurance, you may have to pay for any repairs to your vehicle. Uninsured motorist coverage can help in this situation. 

Learn More About Auto Coverage

Insurance needs are different for all drivers. If you’re in the Glendale, CA area, stop by or call Voi Insurance Solutions, LLC today to learn how we can help. 

What Types of Commercial Insurance Does California Require?

Commercial insurance protects a business against several types of losses. Since each business is unique, the risk factors that the business will potentially face will vary. Commercial insurance in Glendale, CA is divided into two different categories. Property insurance protects a business against losses and damages to property, while casualty insurance protects against liability claims. Meeting with an insurance agency such as Voi Insurance Solutions, LLC can help determine what types of coverages are best for each unique situation. The agency can also review minimum coverage requirements that the state of California determines. 

Casualty Insurance

Businesses that operate in Glendale, CA, may not be required to carry general commercial liability insurance from the state. However, your business can still be held accountable for liability claims due to accidents on the property or other hazards that might occur. Other forms of casualty insurance can cover claims related to fleet or commercial vehicles and workers’ compensation. Commercial umbrella insurance also falls under the casualty category, as it can help supplement policy limits or take the place of a basic liability policy. 

Property Insurance

Commercial property insurance can help cover losses and damages to buildings and business personal property. There are also policies related to coverage for boilers and machinery, boating and marine transportation, and crime. Building coverage is set to cover the estimated value of the building structure itself along with permanent equipment, fixtures, and machinery that would need to be replaced in the event of a total loss. Most businesses in California need to be prepared to cover the full value of the building and its permanent equipment, fixtures, and machinery. 

Interested in learning more about commercial insurance policies for your business? Contact an agent at Voi Insurance Solutions, LLC today!

 

Why it’s best to work with a local agent for your home insurance

A lot of people are tempted to obtain their insurance online due to the lower price point or because they feel that it’s more convenient. While this may be true if you never have a covered event happen to you, it is a decision you may regret if you ever do need to file a claim. If you are in the greater Glendale, CA area, Voi Insurance Solutions LLC is here to help you obtain the right insurance for your needs and also provide outstanding service no matter the circumstances.

Work with a local agent to experience better results

When you have a local agent to work with, the difference can be amazing. Filing a claim is never a fun event, and it’s always appreciated to have someone guiding you through the process. If your home experiences damage through a covered event, such as a fire, imagine the stress and turmoil that your family will undergo. You will need to assess the damage while also trying to secure an alternative place to live. All of this stress can be detrimental to your health, and your frustration can cause the claim process to feel even more overwhelming.

A local agent will be there to make sure that all the claim paperwork is completed correctly thus avoiding any delays that are due to errors or mistakes. They will also have a strong handle on your policy and the benefits that it provides, such as coverage for housing while your home is uninhabitable.

Find out more about what sets Voi Insurance Solutions LLC apart from the others. We are proud of the outstanding services that we provide to the greater Glendale, CA community, and would welcome the opportunity to work with you too!

Simple Boat Maintenance Helps You Avoid Filing a Claim

Your shiny new boat can provide countless hours of fun and enjoyment, but you need to keep it in tiptop shape. An added bonus to conducting maintenance is you are less likely to need to file a claim. That’s because keeping up your boat means your hull remains healthy and less likely to take on damage if you scrape bottom or bang into debris or a tree limb.

It’s easy to keep your boat maintained. Follow these easy maintenance tips from Voi Insurance Solutions LLC of Glendale, CA.

  • Clean your boat’s fiberglass and Gelcoat regularly. Wax and polish it to prevent oxidation. When fiberglass starts to look chalky and dull, you might think it is only a cosmetic issue. The cosmetic issue predicts a future one. Chalky fiberglass can crack easily. Those spider cracks can lead to deeper ones that mean your boat won’t hold water. You can repair Gelcoat cracks by grinding them down and applying a new gel coat layer.
  • Polish your marine canvas, Eisinglass and Strataglass regularly, so they do not deteriorate. Also, apply a canvas protectant. Without these polishes and protectants, the canvas becomes cloudy and cracked.
  • Every two to three weeks, clean the upholstery and vinyl on the boat with an appropriate cleaner. The wrong cleaner damages the vinyls.
  • Polish your brightwork, too, just to keep things looking nice.

A well-maintained boat can better sustain damage. Follow these simple boat maintenance tips to help you avoid the need for filing an insurance claim. Instead, visit Voi Insurance Solutions LLC of Glendale, CA to discuss your coverage and show us your shiny water ride.

Motorcycle Gear that Can Save Your Life

Whether you’re a new biker or an experienced rider, there’s no substitute for motorcycle gear to keep you safe on the road. Although you can prevent accidents through defensive riding, the protective gear could be the catalyst that saves your life. What kind of gear is best for motorcycle riders? At Voi Insurance Solutions LLC in Glendale, CA, we recommend the following:

Helmet

A quality motorcycle helmet should be a top priority when it comes to protective gear. A motorcycle helmet can protect your head, brain, face, and neck from concussion, broken bones and abrasions in an accident. In a serious accident, a helmet could play a key role in your survival.   

Protective Gloves

A motorcycle accident can cause extensive damage to your hands if they’re not protected by a good pair of gloves. You can break bones or lose fingers or skin by scraping your hands against the pavement. Protective gloves reduce your risk of permanent damage to your hands in a motorcycle crash.

Jacket

A motorcycle jacket can protect your skin, bones, muscles, and nerves in a crash. If you’re riding at night, a high-visibility yellow or orange jacket could save your life as it makes you more visible to other drivers. Many riders choose jackets made of leather due to its durability and strength. A jacket that comes with built-in armor offers the best protection against injuries in an accident.

Motorcycle Boots

Motorcycle boots will protect your ankles and feet against fractures and abrasions in a crash. If you’re on a budget, a good pair of over the ankle work boots will provide the protection you need for your riding.

In addition to safety gear, comprehensive motorcycle insurance can keep you safe on the road. For more information on motorcycle insurance options and costs, contact Voi Insurance Solutions LLC in Glendale, CA. 

Things to Consider for Better Boat Insurance

For boat insurance, you want to make sure you have adequate insurance coverage and that you did not miss something that may cause problems later. It is better to identify gaps in insurance coverage before you have a claim so that the coverage may be expanded as necessary, if possible, for your protection. When getting or renewing boat insurance, it is important to work with your agent at Voi Insurance Solutions LLC, serving Glendale, CA and the surrounding area.

Here is a checklist of some common considerations that you may want to discuss with your agent:

  • Storage: Securely storing a boat, when it is not in use, can reduce risk. Let your agent know if the boat will be moored because in the case of storm surge the boat may wash ashore and cause damage to other people’s property that you may be responsible for if it occurs.
  • Transport: There may be increased risk if you transport your boat on a trailer for long distances to get to the water. May sure to discuss this with your agent.
  • Personal Property: You may have many valuable items that you take with you on the boat. Besides the navigational equipment and other valuable electronics, you might have expensive fishing gear, scuba equipment, or many other things on the boat with you. You want to be sure to have insurance protection if they are lost or damaged.
  • Territorial Limits: Some boat insurance has geographical limits about the area where its use is covered by insurance. Be aware of this and stay within the geographical limits unless you extend coverage prior to a voyage.
  • Maintenance: Be sure to follow the general maintenance requirements, so you do not violate any provisions in your insurance policy that might cause a problem.

Contact your agent at Voi Insurance Solutions LLC in Glendale, CA by calling using the convenient online form to get a boat insurance review and quote.

Why is umbrella insurance is not just for the rich

There are very many types of insurance that you are required to have by law and lien holders, but there are also a few types of policies that are not a legal requirement but makes all the sense to have. One of those types of insurance is Umbrella insurance or ‘excess liability coverage.’

In Glendale, CA, nobody will arrest you or force you to purchase umbrella insurance. However, it is a type of insurance that could save you from total financial destruction. Voi Insurance Solutions LLC discusses umbrella insurance and why everyone should have one.

What is umbrella insurance?

Excess liability coverage or umbrella insurance is a form of liability coverage designed to provide extra protection beyond the coverage that home, auto, and boat insurance offer. This policy only kicks in when the liability limits of other traditional insurance policies have been reached. That means that umbrella insurance is not self-sufficient.

Why Umbrella Insurance is not just for the rich

There is a widespread assumption that umbrella insurance is for the wealthy as it is not a legal requirement. You might also be wondering why or how you will ever need such amount of coverage. However, nowadays it is impossible to predict how judges may award an injured person. Accidents do not have limits, and it is easy to find yourself having to dig deeper into your pockets when your auto insurance is not adequate to cover for all the loss or destruction.

This is where umbrella insurance comes in and settles the remaining amount so that you do not have to strain financially. Naturally, this can happen to anyone regardless of your social status. To know more about umbrella insurance or discuss new policies, visit us at Voi Insurance Solutions LLC in Glendale, CA today.

Is Flood Insurance Required In California

When you live in the Glendale, CA area, it’s important to look at whether flood insurance is required or not. Even if you don’t live on a lake or river, you can still be affected by massive amounts of water.

“Required” flood insurance is for those who are in FEMA-identified flood zones. These can vary from year to year based on where floods occurred in the past. While you may not be in an area where flood insurance is required, it can still be highly beneficial.

At Voi Insurance Solutions, LLC, our goal is to show you why it is a good idea to shop for flood insurance, even if you are not in an actual flood zone.

What happens if your water heater explodes, releasing hundreds of gallons of water in and around your home? What happens if a water main breaks? These are scenarios that you have to consider when it comes to protecting your home. Your homeowner’s insurance generally doesn’t cover anything related to water damage. As such, flood insurance may be the only way to get the necessary protection.

Heavy storms can result in dumping a significant amount of water around your property, too. If the water sits for too long, it can damage your foundation, seep into your home, and cause all sorts of other damage. By having flood insurance, even when it’s not required, you can get the help that you need. You will be able to file a claim with the insurance company knowing that you have the needed coverage.

When you are ready to start shopping for flood insurance, contact us at Voi Insurance Solutions, LLC. One of our independent insurance agents can work at adding flood insurance to your home insurance policy. This way, you are better protected against anything that could happen at your home in the Glendale, CA area.

 

What Does Condo Insurance Cover?

Living in a condo brings with it a long list of amenities. Beyond the convenience of a traditional home, you have access to hotel-like services, such as a pool, a gym, plus landscaping, and all other kinds of exceptional benefits. While the exact benefits will vary based on the complex you live in, the kind of insurance you should invest in is different as well. Condo insurance is different from a traditional home owner’s insurance and is critical for your condo living enjoyment. So whether you live in Glendale, CA or the greater Southern California area, Voi Insurance Solutions, LLC is here to help with your condo insurance needs. 

Property Insurance With Added Benefits

Living in a condo is different from living in a home, and as such you need different insurance. Like a traditional home, you’ll have everything inside the house protected. So in the event of a break end or storm, you will be covered. 

However, when you live in a condo you have more people around, which can increase the possibility of a fire. It also means more people are walking past your front door. With the increase in foot traffic and possible fires from other condo residents spreading to your property, the condo insurance covers this as well. 

Contact Your Condo HOA

Your home owner’s association will have specific requirements for your condo insurance. It may also require you to go through a specific provider. Due to this, always contact your HOA ahead of time. 

No matter the property you live in, the size of your property, or where in the region you live, if you call the area in and around Glendale, CA home, the team at Voi Insurance Solutions, LLC can help find the right condo insurance for your home. 

What is Earthquake Insurance?

For some, earthquakes are a real issue that must be dealt with. For the most part, your typical home insurance is not going to cover something out of the ordinary like an earthquake. For those instances, there is earthquake insurance. For those that live in the LA or Glendale, CA area, the agents with Voi Insurance Solutions, LLC can help.

Earthquakes are not all that common which means that they are often not covered on typical insurance policies. What may be a common occurrence for some people, may never happen for others. As such, earthquake coverage is a specialty policy that you can add to your typical home policy to help cover your home from things like an earthquake. Earthquake insurance covers the damages that come as the result of an earthquake like the destruction of a home, damage to foundations, damage to homes and more.

If you live in an area where earthquakes are possible or common, you need to make sure you have some sort of policy in place to protect you from an earthquake and the damage that they cause. Not all homeowners are going to need this type of policy so you should take the time to determine if it is right for you or not. For those that have questions about this type of specialty policy, it is always best to talk with an agent to find out more about what it covers, what types of policies it can be added to, and if you will benefit from purchasing an earthquake policy.

For those in the LA or Glendale, CA area, the agents with Voi Insurance Solutions, LLC can help you find the right earthquake policy for you and can help you determine if you need this type of policy or not and how to go about getting the right policy for you.