I don’t live in a flood zone. Should I carry flood insurance?

Flooding is one of the leading forms of natural destruction in homes and businesses. However, many areas aren’t zoned as areas prone to flooding. This may lead both businesses and homeowners to question whether or not flood insurance is truly a necessity. Our Voi Insurance Solutions LLC team knows that deciding on optional insurance can be difficult and confusing. This is why we’re committed to eliminating the confusion for our Glendale, CA residents.

What is Flood Insurance?

Flood insurance is designed to cover property loss due to flooding. This coverage can pay for the repair or replacement of your home and your belongings. This includes pipes and electrical systems. Flood insurance also pays for clearing and cleaning your home or place of business after a flood.

Should I Carry Flood Insurance?

Perhaps. When you consider the unknown and what’s NOT covered by other insurance policies, flood insurance is most likely a good investment, even if you live in a place that is not prone to flooding. Flooding can occur anywhere, even in places that don’t typically flood. Most home and business owners would be hard-pressed to pay for all the damage caused by flooding out of pocket. As a result, flood insurance is probably a good investment because homeowners and commercial business insurance won’t typically pay for flood damage. You should also keep in mind that flooding is one of the primary causes of property damage and destruction. Investing in insurance that would provide protection for the unexpected may be a good idea. If you have questions about flood insurance and feel that you could benefit from this type of coverage, we’d be happy to talk to you. Call us. We’re standing by.

Why Do You Need Flood Insurance?

When you own a home, there are specific insurance policies that you need to have in place to protect it. One of these is a flood insurance policy. A flood insurance policy protects your home and what is in it against many types of floods. It’s essential to have this insurance for the damage that flooding can do to your home and belongings. Flood insurance is vital for every homeowner to have for this reason. Call us at Voi Insurance Solutions LLC in Glendale, CA when you need a policy for your home.

Home Policies and Floods

Many people don’t think they need a flood insurance policy because they have a good home insurance policy. However, when they have a flood, they quickly find out that home insurance policies don’t cover floods. If you don’t have a flood policy and this happens to you, all of the damage to your home will have to be paid for by you. A flood can even destroy a house and leave it uninhabitable. Without a flood policy, you would have to rebuild it. 

Flood Zones

Some areas are labeled as flood zones, and some areas aren’t. Some people believe that they don’t need this insurance if they don’t live in an area labeled as a flood zone. However, about 20% of all flooding claims come from areas that don’t have the flood label. That means they could come from just about anywhere outside of those zones. When you have flood insurance, you are covered just in case flooding should occur.

Get Flood Insurance

You need to have a flood policy, and we can help. Call us today at Voi Insurance Solutions LLC in Glendale, CA to get started with a flood policy of your own,


How much condo insurance do I need?

When looking for condo insurance, it’s important to understand what you will be expected to pay and what it will cover.

Your policy will list the deductible, which is the amount you have to pay out-of-pocket before your insurance company begins paying claims. You can usually choose a deductible of $500, $1,000, or $2,000. Higher deductibles will lower your premiums but ensure you have enough money saved up in an emergency.

When determining how much condo insurance you need, there are several factors to consider. First, you should assess the value of your belongings and determine how much it would cost to replace them in the event of a loss or disaster.

Another important factor is your liability coverage, which protects you against lawsuits resulting from an accident or injury at your home. Additionally, it would be best to consider whether you want to insure your personal property separately from the condo itself and how much coverage you need for things like flood damage, natural disasters, and vandalism.

It is also important to know the difference between the master policy for the entire complex and your unit policy. The master policy usually includes liability coverage and insurance for the building and common areas.

The unit policy is specific to your individual condo and covers your personal belongings and any damage to your unit. It’s important to make sure that both your master policy and your unit policy are up-to-date so that you have the best protection in case of a loss.

If you have any questions, please call the Voi Insurance Solutions LLC agency today. We are proud to serve the Glendale, CA area.

Earthquake Insurance: Do You Need it?

Like flood damage, your standard home insurance doesn’t protect your home against earthquakes. Luckily, you can purchase stand-alone earthquake insurance from Voi Insurance Solutions LLC to protect your home when landslides or land movements damage your home.

The basics of earthquake insurance

You may be asking why standard home insurance doesn’t cover earthquakes. Unlike a fire or theft, earthquakes will likely affect many people. When you think about the compensation involved, it can easily bankrupt an insurance company. Earthquake insurance is designed to take into account the massive damage that an earthquake would cause.

You might think an earthquake is far from you, but statistics state otherwise. California accounts for about 90% of the country’s earthquakes. Unfortunately, only 10% of California residents have this coverage. This means about 90% of the residents are exposed when landslides or earth movements strike.

Why do I need earthquake insurance?

Earthquakes can’t be accurately predicted, but what you do financially can be. Earthquake insurance cushions you financially when you least expect it. Traditional earthquake insurance covers “pure losses.” This means that your insurer will assess the loss and reimburse you a certain amount — this differs from one policyholder to another.

Ultimately, earthquake insurance covers your dwelling structure and the contents inside. Earthquake insurance compensates you for the loss up to the coverage limit. Better yet, earthquake insurance covers “loss of use.” What does this mean? If an earthquake causes significant damage to your house, this policy pays for additional living expenses you might incur in a hotel or a shelter similar to your home.

Pro-tip: Earthquake insurance may exclude certain assets, like your vehicles, fence, pool, and high-value items. Always check with your insurer to understand your earthquake insurance exclusions.

Earthquake insurance in California

Would you want to protect your home with earthquake insurance? You are on the right track. Don’t hesitate to contact Voi Insurance Solutions LLC for a competitive quote.

Three misconceptions about life insurance

Your life insurance decisions today can affect your family for years to come. That’s why you need to be well informed. We can provide consumers in Glendale, CA with the information they need about life insurance at Voi Insurance Solutions LLC.

The following are three misconceptions about life insurance. 

The life insurance offerings that you get through your employer are enough.

It’s essential to read the fine print when it comes to any life insurance coverage you get from your employer.

While employer-sponsored life insurance plans might offer some financial benefits, they often fall short of the benefits of policies that consumers can purchase independently. 

Those with health issues can’t get life insurance.

Never make hasty assumptions about your ability to acquire life insurance. 

Many consumers with pre-existing health problems can qualify for life insurance if they do some research. You don’t have to be in perfect health to qualify for a good life insurance plan with an affordable monthly premium. 

Life insurance is not necessary.

Too many consumers assume that they don’t need life insurance. Assuming that life insurance is unnecessary can lead to financial disasters for your family.

Unfortunately, you can’t predict the future. However, you can plan for the future by securing the financial well-being of your family with life insurance coverage. Life insurance is necessary for almost any family, so invest in the coverage you need. 

Contact us at Voi Insurance Solutions LLC if you’d like to learn more about life insurance in Glendale, CA. We can provide you with the information you need to secure your family financially. 

What kinds of car insurance can help drivers in Glendale?

Drivers in Glendale, CA should understand how the various types of auto insurance coverage can help them. If an accident or other emergency happens, certain types of coverage may not apply depending on the specific policy that the driver has active at the time. If their policy does not apply, they are stuck paying for the damage on their own, regardless of how expensive it is. Here are a few different types of auto coverage that VOI Insurance Solutions LLC can offer and the situations where they are helpful.

Liability coverage

Drivers need insurance coverage that will pay for any damage they cause to other people or property during an accident. This specific type of coverage is a requirement under state law and is not optional. It covers up to several thousand dollars of bodily injuries and property damage. 

Uninsured motorist coverage

Drivers who get on the road without having proper credentials and insurance coverage have become a huge problem. If an uninsured driver does not have liability coverage, the possibility of collecting any compensation for the losses will be minimal. However, a driver can pay for uninsured motorist coverage in advance to avoid these costs. 

Collision damage

Drivers who have a car financed by a loan should have coverage to protect against damage to their vehicle. They will be required to pay a small deductible; then, the insurance provider covers the costs of the rest of the repairs. 

More help getting auto coverage in Glendale, CA

At VOI Insurance Solutions LLC, our agents are available to recommend coverage that works based on each driver’s needs and concerns. People with additional questions about car insurance can get in touch with an agent to learn more. 

Commercial Insurance Coverage Options in California

As a business owner in Glendale, CA, you know that having the right commercial insurance coverage is vital to protecting your company. But with so many options, knowing which is right for your business is challenging. Here’s a quick rundown of some of the most common types of commercial insurance coverage available in California:

Property Insurance

This type of coverage protects your business property from damage or theft. It can also help cover the cost of repairs if a natural disaster damages your property.

Liability Insurance

Liability insurance protects your business from lawsuits from injuries or damage caused by your company’s products or services. It can also help cover the cost of settlements or judgments if you are liable.

Product Liability Insurance

Product liability insurance protects your business from lawsuits filed by customers claiming a defective product injured them. This coverage is significant if your company manufactures or sells products.

Your Voi Insurance Solutions LLC agency representative can help determine if this type of coverage is right for your business.

Business Interruption Insurance

This coverage can help your business recover from lost income if you have to shut down due to a covered event, such as a fire or natural disaster.

Commercial Auto Insurance

You must purchase commercial auto insurance if your business uses vehicles for business purposes. This type of coverage protects your business from financial losses if one of your employees is involved in an accident while driving a company vehicle.

To learn more about the different types of commercial insurance coverage available in Glendale, CA, contact Voi Insurance Solutions LLC. Our knowledgeable team can help you find the right policy for your business.

Will Home Insurance Cover Damage Caused by My Kids?

Everyone’s kids cause damage. Sometimes it’s an accident, like when a baseball breaks a window, and sometimes it’s on purpose, like when they draw on the walls. Most home insurance policies cover damage caused by kids, but some important exceptions and limitations exist. In this article, Voi Insurance Solutions LLC will help you understand when your Glendale, CA home insurance will cover damage caused by your kids.

Home insurance usually covers accidental damage to your home.

Some common examples include broken windows, water damage, and structural damage. Your policy should cover any accidental damage caused by your kids, as long as it isn’t intentional. Insurers often determine what type of unintentional damage is protected based on the person’s age causing the damage.

Home insurance will cover some accidental damage to other homes.

It’s a common scenario: Your kids are playing outside, and they accidentally break a window or knock over the neighbor’s mailbox. A typical home insurance policy will cover the damage as part of its liability coverage. It’s important to note that this coverage is usually separate from your policy’s property coverage. It covers damage caused by yourself and members of your household.

Your policy probably won’t cover old damage or normal wear and tear.

Older damage that’s everyday wear and tear isn’t considered accidental damage. These damages are standard and usually excluded from your policy because they can be predictable or preventable. Older damage can also be seen as a form of neglect because it was not reported to your insurer promptly.

If you are a Glendale, CA resident interested in learning more about home insurance, please don’t hesitate to contact Voi Insurance Solutions LLC today!

Motorcycle insurance basics

Motorcycle owners in the greater Glendale, CA area turn to Voi Insurance Solutions LLC for all of their insurance needs. Protecting your bike, yourself, and your passengers is an important part of responsible motorcycle ownership, and having the proper insurance protection can help provide that protection. Call our office today and schedule an appointment to find out more.

ABCs of motorcycle insurance

Many people simply follow governmental requirements when it comes to insurance. This can sometimes be an alright decision but is typically less than a great idea when it comes to protecting your motorcycle.

Motorcycle insurance has three main components: liability protection, collision coverage, and medical expenses coverage. Don’t leave yourself open to liability issues. Motorcycle insurance is an effective way to protect yourself from loss while protecting your bike.

These factors are important, but you will want to be sure that you have the protection you need, not just what you are required to have. For example, if you have a new and expensive bike, you will want to have a policy that offers adequate protection if your bike is stolen or is totaled in an accident.

Medical expenses are also a factor when choosing your policy and its coverage levels. You will want to protect yourself from personal liability if you are ever involved in an accident that causes significant injuries. This can be as easy as choosing a comprehensive policy with robust coverage limits. 

Find out more today!

Voi Insurance Solutions LLC is proud to serve the motorcycle community in the Glendale, CA area. We want to help you find the right motorcycle policy for your needs. Give us a call or stop by today.

We look forward to working with you!

Why do you need motorcycle insurance in Glendale?

For people that live in the Glendale, CA area, owning a motorcycle can be a lot of fun. A bike is quite efficient and practical given the warm weather in the area. If you are going to purchase a motorcycle, choosing a new insurance policy should be a top priority. Carrying a proper insurance plan for your bike is advantageous and necessary for various reasons. 

Meet State Insurance Requirements

An important reason you will need to have a motorcycle insurance plan is to meet the requirements set by your state. Similar to if you want to operate any other type of vehicle, you will need to have liability insurance coverage if you’re going to operate a motorcycle in California. This coverage can ensure you remain appropriately covered and comply with state law.

Comply with Lender Standards

Another reason you may need to have motorcycle insurance is if you had taken out a loan when you bought the motorcycle. Those who will take out a loan to purchase any vehicle must ensure they comply with all loan agreement requirements. In many cases, this can include carrying the proper insurance. Most lenders want you to carry a full motorcycle insurance plan with comprehensive coverage. 

If you are going to purchase a motorcycle when around Glendale, CA, getting a proper motorcycle insurance plan is very important. When you are ready to start looking for a policy here, calling the professionals with Voi Insurance Solutions LLC is a great option. The Voi Insurance Solutions LLC team knows the importance of this coverage and will help you choose a policy that protects your motorcycle and allows you to comply with any requirements.