What’s NOT covered by renters insurance?

Renters’ insurance can create peace of mind in many situations. Knowing that your items are covered in the event of something unexpected and unfortunate can help many of us to sleep easier. However, it’s a good idea to know what’s not covered by renters insurance as well. There’s nothing worse than an unexpected situation occurring only to find out that you don’t have coverage for it. 

What is Renters Insurance?
Renters insurance is similar to homeowners insurance in that it covers your belongings and provides liability coverage as well. Renter’s insurance also covers stolen or damaged property. However, unlike homeowners insurance, the structure or dwelling you reside in/rent isn’t covered. Some small alterations that you make as a tenant may be covered, however. In short, renters insurance is designed to protect you, your personal items, as well as provide/fund your living arrangements after a covered loss.

What’s NOT Covered?
Although renters insurance covers stolen and damaged property, it’s important to note that it will not cover something you break accidentally. Also, renters insurance won’t cover damage caused by natural disasters like flooding, earthquakes, sinkholes, and pests like bed bugs and termites. Personal property loss and liability protection that extends beyond your coverage limits won’t be covered as well. Voi Insurance Solutions LLC of Glendale, CA is committed to helping Glendale, CA residents understand what’s not covered as well as what is covered. Our team will answer all of your questions and walk you through how renters’ insurance works. We will also take the time to discuss the areas that aren’t covered under renters’ insurance. Give us a call. Our team at Voi Insurance Solutions LLC is standing by.

4 Benefits of Umbrella Insurance

When you have a boat, home, or auto insurance policy, you may not see the need for additional coverage. However, you may need more than auto or home insurance when you get significant claims extending beyond your conventional coverage options. Umbrella insurance from Voi Insurance Solutions LLC in Glendale, CA takes over when your typical insurance coverages run out.

Why you should invest in umbrella insurance

Who needs umbrella insurance? Is it the rich and famous only? While high-net-worth individuals attract lawsuits, you need umbrella insurance as long as you earn a livelihood. Since anyone is at risk of being sued in America, umbrella insurance comes in handy when lawsuits come knocking on your doors.

Here are the benefits of investing in umbrella insurance:

  • Provides broader coverage: Umbrella insurance provides not only higher coverage but also broader coverage. What does this mean? Umbrella insurance gives you high coverage of $1M plus and also covers you against personal liabilities not covered by standard liability coverages. Umbrella insurance covers libel, false arrest, and slander — risks not protected by other liability coverages.
  • Affordable: There is a popular misconception that umbrella insurance is costly. However, the opposite is true. Umbrella insurance is surprisingly affordable since it takes over from where your conventional liability coverages leave off.
  • Protects your assets: When faced with expensive liability claims, your typical coverages are likely to run out. As a result, your assets could be at stake to pay for the uncovered expenses. However, you don’t have to worry about someone coming for your assets when you have umbrella insurance.
  • Has no geographical limitation: Unlike other insurance policies limited within American boundaries, umbrella insurance can cover you anywhere in the world.

Do you need umbrella insurance in Glendale, CA? Please get in touch with Voi Insurance Solutions LLC for an affordable quote.

What Flood Insurance Covers (and Does Not)

At Voi Insurance Solutions LLC, we can help many Glendale, CA residents find high-quality flood insurance options. These policies can protect you from many issues. However, there are also several things that it will not cover, so keep these in mind before continuing on your purchase.

How You’re Protected 

Your flood insurance will protect a variety of different elements of your home. These will vary heavily based on your policy but are usually pretty easy to understand. Just a few of the areas where you’ll get protection for your home with a flood insurance policy include:

  • Electrical and plumbing systems damaged during a flood 
  • Furnaces and water heaters affected by the flood 
  • Air conditioners and central air heating systems
  • Sump pumps and other similar devices 
  • Appliances throughout your home 
  • Carpeting and window elements in a house 
  • Some types of valuable items

Where You’re Not Covered 

While your flood insurance will cover a broad range of different problems, it is by no means 100% comprehensive. It focuses strictly on issues caused by the flood to your home but leaves out a handful of different things. Just a few elements that won’t be covered in flood include:

  • Moisture damage not caused by the flood that you could have prevented with maintenance
  • Any earth-movement damage problems, even if caused by a flood
  • Temporary living expenses while your home is being repaired
  • Business interruption issues caused by the floor 
  • Loss of money, stock certificates, and precious metals 
  • Self-propelled vehicles, like cars and boats 

Get Insurance Today 

Do you want flood insurance that will protect your Glendale, CA, home? Then please contact us at Voi Insurance Solutions LLC to learn more. Our team will do what we can to find a suitable policy and ensure that you feel comfortable with the unique demands of this policy option.

What does my Glendale, CA condo insurance cover?

A condo is more than a home. It’s an investment. Condo insurance ensures it’s protected.

In fact, condo insurance is likely much more important than you realize. Although your association has its own plan, these policies are limited and often only protect the building’s structure.

Voi Insurance Solutions LLC can make sure you’re prepared. Located in Glendale, CA, the agency lists four items that are included in any condo insurance policy.

Building property

While an owner’s policy covers the building itself, these protections don’t typically extend to the inside. Condo insurance insures the interior. This includes floors, walls, cabinets, and any other fixtures. Since there may be some overlap with the owner’s plan, refer to the association agreement to identify what specific areas fall under your responsibility.

Personal possessions

Your belongings inside the condo are safe too. If anything is stolen, damaged, or destroyed, condo insurance will replace these items up to the policy limit. Your policy will list protected perils, such as fire and water damage. Theft and vandalism are also covered.

Personal liability

Liability protection is a core component of any insurance policy. It protects you, family, residents, and other guests of your condo. If someone is hurt while on your property, this coverage kicks in. In addition to reimbursing for injury or property damage, liability contributes to legal expenses in the event of a lawsuit.

Loss of use

Unfortunately, accidents happen. If a natural disaster or extreme event does occur, your condo may become uninhabitable. If you’re forced to temporarily relocate, a condo insurance policy with reimbursing costs that incur as you stay somewhere else.

Contact agent serving Glendale, CA

Voi Insurance Solutions LLC can help. If you live in a condo, their experienced agents can find an individualized condo insurance plan that meets your needs.

Securing your home from a flood: 4 flood safety tips

In recent events, Hurricane Ida has given a glimpse of what storms of the future will look like as weather patterns change, ice glaciers melt, and ocean temperatures rise. 

Hurricanes are getting stronger. Climate change is exasperating the issue with no relief in sight. It is important to know how to protect yourself and your property in the event that you are faced with a flood.

In addition, Glendale, CA is at risk of major flooding over the next 30 years. 

4 Safety tips for securing your home from a flood

Extreme weather conditions continue to disrupt the lives of many around the globe. Protect your home before, during, and after a flood.

1. Prevention methods before the flood season:

  • Take an inventory of your possessions using a video or photos.
  • Make sure you seal up any cracks in the walls.
  • Clean out all gutters, downspouts, catch basins, and drains.
  • Make sure there is an automatic secondary backup for the sump pump.

2. Protect during a flood:

  • Unplug all appliances and turn off stoves, electricity, gas, and water.
  • Elevate larger pieces of furniture on wood or cement blocks if possible. If this is not possible, anchor the items and protect them with a floodwall.

3. After the flood:

  • Look for signs of mold within 24 to 48 hours.
  • Document the damage with pictures or videos.
  • Keep the fans running.
  • Report the damage to your insurance company.

4. Personal

  • Always have an evacuation plan and meeting place ready in case of an emergency.
  • Keep emergency supplies on hand.
  • Have a 72-hour emergency kit ready at all times.

Speak to an expert at Voi Insurance Solutions LLC, serving Glendale, CA, to find out more about insurance options that may be right for you. 

Who needs earthquake insurance in Glendale?

The Glendale, CA area has continued to be a great place to live. At the same time, it is a great place to own a property. While there are a lot of advantages that come with property ownership here, there are risks as well. One risk is the risk of an earthquake happening at any given time. If this does occur, you will want to have a full earthquake insurance plan. There are several reasons that you may need to have this coverage.

Those Looking for Necessary Coverage

A situation when you should have this insurance is when you are looking for earthquake coverage. A bad earthquake in the Glendale area can cause significant damage to a home. Depending on your standard home insurance plan, the coverage you receive for this can be limited. Fortunately, you can mitigate this risk by getting an earthquake insurance plan that will offer specific coverage to mitigate this concern. 

Those with Requirements

There are also situations in which you may be required to get earthquake insurance. Depending on your situation, a lender or home association may require that you get this insurance. They will want you to have this protection to ensure you have the capability to rebuild your property if it is damaged during any type of earthquake. 

Having an earthquake insurance plan in the Glendale, CA area is always a good idea. If you are assessing your needs for this coverage here, it would be a good idea to call Voi Insurance Solutions LLC. Anyone that is looking for this insurance here will find that Voi Insurance Solutions LLC can be a valuable resource. When you call them, you can learn a lot more about your options and get the support needed to build your next plan.

Questions To Ask Your Agent When Buying Life Insurance

Life insurance is an important type of insurance, the purpose of which is to protect the livelihood of your dependents after you pass away. However, life insurance still remains an intimidating topic and not everyone wants to discuss it. Voi Insurance Solutions LLC serving Glendale, CA prepared a list of the questions and answers, so you can understand better how this insurance works. 

What Are the Two Types of Life Insurance?

There is temporary and permanent life insurance. Temporary life insurance provides coverage only for a certain number of years – usually no more than 30 years. Permanent life insurance is different – it provides a death benefit upon the death of an insurer – no matter how long an insured person lives. In most cases, permanent life insurance is more expensive than temporary one. 

How Much Does a Life Insurance Policy Cost?

First, the cost of life insurance depends on the type of insurance. There are also other factors that have an impact on the cost of insurance. They are your age, gender, medical status, lifestyle, and some others. As has been mentioned above, permanent life insurance policies are usually more expensive than temporary insurance. 

Does Life Insurance Require a Physical Exam?

Yes, in most cases, a physical exam must be completed prior to the insurance plan going into effect. Most likely, it will have to be done at your own expense by an approved physician. 

Voi Insurance Solutions LLC – Get Life Insurance To Protect People You Love

If you are a resident of Glendale, CA or any other nearby town, and you are interested in purchasing a life insurance plan, our insurance company is ready to help you. Client satisfaction is our main priority, so we always make sure that you get the insurance that you need – based on your needs, requirements, and budget. Do not hesitate to give us a call if you have any questions. 

Is State-required Auto Insurance Sufficient?

With disposable income stretching thin, it’s not uncommon for you to stick to the state-required auto insurance. But is it enough? Does it protect you optimally if a peril were to strike today? If similar questions are running through your mind, keep reading as Voi Insurance Solutions LLC of Glendale, CA elaborates whether state auto insurance is adequate.  

Required auto insurance in California

To establish whether state-auto insurance is adequate, let’s find out what auto insurance you need in California. Below are the requirements for California auto insurance: 

  • Bodily injury liability with a minimum of $15,000/person and $30,000/accident
  • Property damage liability with a minimum of $5,000
  • Uninsured motorist coverage — although you can reject this in writing

While the above is what is required by the state, at Voi Insurance Solutions LLC, we recommend you to consider other auto insurance coverages. Why? The above state minimums are just minimums. They have limited coverage limits, and they protect other people but not you and your vehicle.

Optional auto insurance coverages to consider

Besides advising our clients to increase their liability coverages’ limits, we recommend motorists to consider the following optional auto insurance coverages.

  • Collision coverage: This policy repairs your car when involved in an accident with other vehicles or stationary objects.
  • Comprehensive coverages: It covers your vehicle against non-collision risks like theft, fire, vandalism, and certain natural disasters. 
  • Roadside assistance: When you purchase this coverage, you get access to services like towing, gas delivery, and puncture repair when your car stalls away from your home.
  • Medical payments / personal injury protection (PIP) coverage: Following an auto accident, you or your passengers will likely sustain injuries. Without a health insurance plan, you will have to pay for your medical costs from your pocket. Thankfully, auto insurance takes care of hospitalization, surgery, X-rays, and other accident-related expenses.

Are you shopping or renewing your auto insurance policy in Glendale, CA, and its environs? Don’t hesitate to get in touch with Voi Insurance Solutions LLC for a competitive quote. 

Required Commercial Insurance in California

California businesses have two types of commercial insurance that are required for them under certain situations. If you aren’t sure which types of commercial insurance your business needs, contact us today at Voi Insurance Solutions LLC in Glendale, CA to find out more about them. 

Workers’ Compensation

Workers’ compensation insurance is an insurance type that covers the medical bills and lost wages for employees who become injured or sick while at work. This can help to save your business a significant amount of money by paying those bills instead of your business having to pay them. It’s an important protection for any business that has employees, whether they are part or full-time workers. 

Commercial Auto

If your California business owns a vehicle, it’s up to your business to keep a commercial auto insurance policy. This policy is required to have a set minimum amount for property damage liability for an accident, a bodily injury or death coverage for each person and bodily injury or death for the entire accident. With these protections in place, your business is protected from having to pay for medical and property bills that come from an accident that you or your employees are liable for.

If you use a vehicle for work tasks, but your business does not own it, there is a recommended (but not required) insurance policy that is called hired and non-owned. If you have an accident that you are liable for while doing business tasks with your vehicle, the insurance policy will generally not pay for the resulting bills. 

Get Your Business Insured

Insurance protection is one of the most important things to put in place when you begin your business. If your business isn’t yet insured, or you want more coverage, call us now at Voi Insurance Solutions LLC in Glendale, CA.

Areas Covered By Home Insurance

If you have a property within Glendale, CA, home insurance is a crucial policy to have. Such coverage ensures that your home is secure when unfortunate events occur while also keeping your loved ones protected from lawsuits when they cause harm to others. To learn more about home insurance, Voi Insurance Solutions LLC explains the areas covered by this policy.

Your Personal Belongings

When perils such as hail, theft, fire, and vandalism cause destruction to your property, home insurance can help you cover your repair and replacement costs. The compensation cost allows you to take care of your electronics, clothes, and furniture. Contents such as art and jewelry are often excluded from this coverage, requiring you to get an additional policy for their protection.

The Structure of Your Home

The structure of your home is also protected when covered disasters happen, helping you get the proper compensation for rebuilding or fixing your home. Examples of areas covered by home insurance are structures such as your walls, floors, and cabinets. Additionally, detached structures such as garages are also included in your policy, allowing you to get overall protection.

Liability Claims

When your guests get injured at your home or their property gets destroyed, home insurance ensures that you can pay for costs related to these incidences. These can be treatment costs or repair and replacement expenses for fixing damaged guest property. If you are also sued for harm caused, home insurance provides compensation for your legal fees and damages awarded during your lawsuit.

Additional Living Expenses

If damages leave you with an uninhabitable property, home insurance will come in handy in helping you cater for additional living expenses. Costs incurred for your hotel accommodation are paid for along with travel and meal expenses.

Whether you need to keep your property safe from perils or protect yourself and your loved ones when you cause injuries, home insurance from Voi Insurance Solutions LLC is what you need. Call our Glendale, CA agents today to begin your home insurance journey.