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Can Your Guests Drive Your Boat? Read This Before You Let Someone Else Behind the Wheel

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When enjoying a day out on your boat with loved ones, the idea of letting others take a turn at the helm can be appealing. In this article, we’ll explore whether letting someone else steer your boat is a good idea.

Grasping Legal Accountability

Allowing a guest to operate your boat may seem like a friendly gesture, but it carries serious legal implications. As the boat’s owner, you’re accountable for any incidents that occur when the boat is in use, regardless of who’s driving. If your guest triggers an accident, you could be held responsible for damages and potentially face criminal charges, depending on the situation.

Review Licensing Regulations

Before letting a guest drive your boat, it’s crucial to familiarize yourself with state and local laws. Many states mandate that boaters possess a boating license to operate watercraft. Permitting an unlicensed individual to steer your boat could lead to penalties or legal repercussions.

Understand Your Insurance Policy

Your insurance policy may not cover damages caused by a guest operator. It’s important to comprehend your coverage limitations. If you’re contemplating letting others steer your boat, it would be wise to consult with your insurance agent to ensure you’re adequately covered should anything go awry.

Discover More About Boat Insurance with Voi Insurance Solutions LLC

Your boat is a valuable asset, and safeguarding it with the appropriate boat insurance coverage is essential. At Voi Insurance Solutions LLC, serving Glendale, CA, we’re here to assist. Contact our team today to learn more about choosing the right boat insurance policy for your needs.

Gearing Up for Summer, Is your Motorcycle Insurance Up to Date in Glendale, CA?

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With summer around the corner, motorcycle enthusiasts in Glendale, CA, are gearing up to hit the roads and enjoy the perfect weather. Before you embark on those long rides on the PCH, it’s crucial to ensure your motorcycle is adequately insured. At Voi Insurance Solutions LLC, we aim to provide you with the ideal coverage for your motorcycle. Is it time to reassess your coverage? Here are six tips to help you review your motorcycle insurance before summer arrives.

1. Enroll in a Motorcycle Safety Refresher Course

A motorcycle safety course could potentially lower your insurance premiums once you provide proof of completion to your insurer. This course is a prerequisite for obtaining a motorcycle license in many states. In California, if you’re under 21 and wish to ride, you’re required to take a motorcycle safety course. However, a refresher course is always beneficial.

2. Bundle Your Insurance Policies

Do you purchase your motorcycle insurance from the same provider as your auto insurance? If not, you might be missing out on potential savings. Adding motorcycle insurance to your auto policy is generally more cost-effective than having a separate premium. This strategy is particularly beneficial if you alternate between your motorcycle and car for commuting.

3. Explore New Insurance Add-Ons

If your bike is aging, consider insurance add-ons. These could include roadside assistance, trailer coverage, or trip interruption coverage. Trip interruption coverage is beneficial for older motorcycles on longer rides, as it covers your accommodation and other expenses if your bike breaks down during your trip. With these motorcycle insurance add-ons, you’ll never be left stranded.

At Voi Insurance Solutions LLC, we’ve been providing excellent motorcycle insurance services to the residents of Glendale, CA, for many years. If you’re considering reassessing your coverage, don’t hesitate to give us a call.

Does Renters Insurance Only Cover Items in Your Apartment?

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In our Voi Insurance Solutions LLC blog, we’ve covered a variety of topics about how your renter’s insurance policy protects the items inside your leased Glendale, CA, home. Your policy can also protect items you store offsite. Let’s explore how you can make your renter’s policy work harder for you.

Offsite Items Enjoy Coverage

Like other forms of home insurance, renters’ coverage covers items owned by the policyholder but kept offsite. For example, items stored in a storage unit also receive coverage. The policyholder should ask their insurance agent if they need to list offsite storage specifically in the policy documents.

Insuring the storage unit items requires an inventory, just as each policyholder needs to make an inventory of their belongings in their home for their homeowner’s insurance policy. Your insurance agent may suggest insuring most items in bulk but scheduling coverage for more expensive items. For example, if you store jewelry that you rarely wear, your insurance agent may suggest adding a rider to your renter’s coverage for jewelry. It applies to the jewelry whether you keep it in your apartment, house, or storage unit.

Storage Unit Policies from the Storage Facility

Some storage facilities require renters to purchase a policy from them. Please read the policies carefully because many of them include limited coverage. Even if you purchase this coverage, it’s a good idea to list the storage items on your renter’s insurance that cover your home.

Find the Solution That Protects Your Belongings

Contact Voi Insurance Solutions LLC today for a renter’s insurance review. Let us help you protect your belongings in your rented Glendale, CA, home and your storage unit, wherever it may be.

Why Umbrella Coverage Increases in Importance as a Person Ages

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Your agent at Voi Insurance Solutions LLC may suggest an umbrella policy when you reach 40, even if you’ve declined it before. This isn’t due to stubbornness. We want all of our Glendale, CA, clients to have the financial security that comes with adequate coverage.

The Significance of an Umbrella Policy

Umbrella insurance is a secondary policy that provides additional liability coverage once your primary policy has been exhausted. Carrying it ensures that you won’t have to pay out of pocket for a settlement. An umbrella policy applies to all primary policies a person holds, so financially, it doesn’t matter whether a person with an umbrella policy causes a car accident, a boating incident, or if someone falls at their home and sues for medical costs.

The Role of Age

The need for umbrella coverage increases after the age of 40. Without it, people would have to pay a liability settlement out of pocket, leaving them less time to replenish their savings or retirement fund. If a 25-year-old caused an accident and only had auto coverage, they might have to pay a portion of the settlement out of pocket.

For instance, to pay a $100,000 settlement, they might have to empty their retirement fund. But they have 40 years to repay themselves, so this doesn’t pose a problem. Now, imagine the same situation with a 40-year-old. This individual now only has 25 years to repay themselves. A person who causes an accident is liable for all injured parties.

Incurring a liability at 60 years of age without adequate coverage could deplete a nest egg, but with umbrella coverage, it never negatively impacts the person’s finances.

Contact Us Today

Don’t get caught without umbrella coverage, Glendale, CA, residents! Call or email Voi Insurance Solutions LLC today to set up your policy. Let us help you safeguard your financial security.

Are There Different Types of Flood Insurance and What Do They Cover?

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Understanding Flood Insurance: What You Need to Know

For residents living in a flood zone in Glendale, CA, having appropriate insurance coverage is a crucial step in protecting their property and other assets. With help from Voi Insurance Solutions LLC, we can discuss the types of flood insurance policies and the benefits of having coverage that fits individual situations.

Who Needs Flood Insurance?

Flood insurance isn’t just for homeowners. Those living in an apartment, condominium, townhouse, permanently affixed mobile home, or running a business can also get coverage. Flood insurance is important if your home or business is in a high-risk area. Even if your area is designated as low-risk, it is still beneficial to have coverage.

Types of Flood Insurance in Glendale, CA

There are three types of flood insurance policies:

  • Business Owners
  • Homeowners
  • Renters

Business Owners

Commercial flood insurance provides added protection for a business owner’s building, equipment, inventory, and furniture.

Homeowners

Flood insurance coverage for homeowners is separate from a homeowner’s policy, which typically does not include flood coverage. With flood insurance coverage, both the building and its contents are covered.

Renters

Renters also benefit from having flood insurance, which protects the contents of their rental homes. These may include clothes, electronic equipment, furniture, TVs, and more.

What Flood Insurance Does Not Cover

Flood insurance policies in California do not cover everything. While the building is insured, things outside the building, such as a patio, pool, fencing, etc., are not covered. Cars, campers, and travel trailers are also not included in flood insurance coverage.

Some of the areas and items that are excluded include:

  • Paper currency
  • Precious metals
  • Contents stored in a basement
  • Valuable papers
  • Mold or mildew damage
  • Septic systems

Contact Us

Contact our agents at Voi Insurance Solutions LLC and let us help you be prepared for unexpected flood situations.

Biggest Floods in Global History

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Floods are among the most destructive forces on Earth. While a powerful tornado can wipe out a community, floods can devastate entire regions. We’ll delve into the history of floods worldwide. If you own a home or other property, it’s wise to consider flood insurance policies. If you’re looking for insurance agents who can assist in Glendale, CA, contact Voi Insurance Solutions LLC.

A Brief and Tragic History of Flooding

Tragically, the 1887 Yellow River Flood in China may have cost up to 2 million lives, making it the second deadliest recorded flood in history. The deadliest? The 1931 China floods, which may have cost more than 4,000,000 lives. However, it should be noted that most deaths were likely caused by the famines that followed.

Looking further back in time, the 13th-century flood in St. Lucia, in the Holy Roman Empire, is believed to have caused more than 50,000 deaths. More recently, in 1949, the Eastern Guatemalan floods are believed to have resulted in roughly 40,000 deaths. The 2022 Pakistan floods, meanwhile, cost over 1,700 lives, demonstrating just how devastating floods are even in modern times.

The United States has been a bit more fortunate and has not suffered floods on quite the same scale. That said, floods have caused billions in damages and have claimed many thousands of lives. The Johnstown Flood in Pennsylvania in 1889 cost over 2,200 lives, while the Galveston Storm of 1900, which was accompanied by heavy flooding, is believed to have claimed 8,000 lives.

Floods remain a major threat, and while death tolls have generally trended downward, property damage can quickly soar into the billions. Homeowners and other property owners should ensure that the appropriate flood insurance policies cover them. If you need help selecting a flood policy in Glendale, CA, contact Voi Insurance Solutions LLC.

Protecting Your Condo from Common Disasters: Fire Safety, Water Damage Prevention, and Burglary Deterrents

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Living in a condo offers convenience and community, but it also comes with unique risks. At Voi Insurance Solutions LLC in Glendale, CA, we know how important it is to safeguard your space. Let’s explore some practical ways to protect your condo from fire, water damage, and burglary.

Fire Safety

Fire is one of the most common threats to condo owners. Start by ensuring that smoke detectors are installed and functioning properly. Replace batteries regularly and test alarms monthly. Consider keeping a fire extinguisher in the kitchen and familiarize yourself with its use. Simple habits like not leaving cooking unattended and avoiding overloaded electrical outlets can significantly reduce fire risks.

Water Damage Prevention

Water damage can be costly and disruptive, but a few preventative measures can help. Regularly inspect plumbing for leaks and ensure that seals around windows and doors are intact to prevent seepage. Installing water sensors near potential leak sources like dishwashers and water heaters can provide early warnings. Also, know where the main water shut-off valve is in an emergency.

Burglary Deterrents

Securing your condo against burglary requires a mix of technology and awareness. Invest in a reliable security system or smart doorbell camera. Good lighting is a deterrent, so ensure entryways are well-lit. Always lock doors and windows, even when you’re home. Building a rapport with neighbors can also create a community watch environment.

Get a Quote For Condo Insurance Today

Protecting your condo doesn’t have to be overwhelming. With the proper precautions, you can enjoy peace of mind. At Voi Insurance Solutions LLC in Glendale, CA, we’re here to assist you with all your condo insurance needs. Contact us today to learn more about how we can help you.

How Much Earthquake Coverage Should You Have?

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Located in the San Fernando Valley, Glendale is a mid-sized city in Southern California. It is known for its beautiful weather and serving as a production center for the film industry. It is also in an area known for frequent earthquakes. California residents generally experience hundreds of yearly earthquakes large enough to be felt. If you live in or near Glendale, CA, you may be wondering how much earthquake coverage you should have.

What Type of Earthquake Insurance Is Available?

In California, there are different types of insurance coverage available. There are California Earthquake Authority (CEA) policies, Earth Movement coverage that sometimes also covers tsunamis, and private insurance options.

How Much Earthquake Coverage Should You Have?

When determining how much coverage is necessary, there are a few points to keep in mind. It’s important to note that standard homeowner insurance usually excludes earthquake damage coverage. You’ll want to choose a policy that explicitly offers earthquake coverage.

Earthquake policies can offer different coverage. Some policies cover dwellings, such as your home. Other policies might cover personal belongings or even temporary living costs if your home is damaged. You’ll need to decide what exactly you want covered.

Why Choose Vio Insurance Solutions LLC in Glendale, CA?

When deciding how much earthquake insurance you need, you’ll want to partner with an experienced independent insurance company. At Vio Insurance Solutions LLC, we offer a range of coverage options and are a full-service independent agency. Contact us at Voi Insurance Solutions LLC today for more information.

How Term Life Insurance Works

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Term life insurance is one of the two main types of these policies. The other type, whole life insurance, is popular due to its advantages, such as no expiration date. However, term life insurance is also popular, and that’s because it has a major advantage of its own. It’s important to have a life insurance policy to protect your loved ones. If you need a life policy, call us at Voi Insurance Solutions LLC in Glendale, CA to learn more and get started. 

The Expiration Date

Term life insurance has this name because it stays in force for a specific term. It may be 10 years, 20 years, etc. The policy stays good throughout this specified term. At the end of it, the policy will expire. It will no longer be in force, and you’ll not be covered unless you have another policy. Once this happens, you can apply for a new policy to start a new term or get a whole life policy if you need more coverage. 

Benefits of Term Life Insurance 

A term life policy doesn’t build up a cash value like whole life policies do. However, term life policies have the major advantage of being highly inexpensive. They are popular because they cost a fraction of what a whole life policy costs. For people on a tight budget, getting a term life policy is often the only way that life insurance is affordable. It’s always a good idea to have life insurance, so if you can’t afford a whole life, term life is a great way to make sure you’re covered. 

Get a Term Life Policy in Glendale, CA

Call us at Voi Insurance Solutions LLC in Glendale, CA to get started with a term life policy. We’re here to help you get started. 

Does Auto Insurance Cover Rentals? Voi Insurance Solutions LLC

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If an auto accident happens, your life must go on as planned. At Voi Insurance Solutions LLC in Glendale, CA, we understand the importance of having a rental car to keep you on the road while waiting for your vehicle’s repair. Discover more about rental coverage below.

How Does Rental Coverage Work With Auto Insurance?

Rental coverage can sometimes be a source of confusion within auto insurance, but understanding its complexities is critical to maximizing your protection. When an accident or theft renders your vehicle undrivable, rental coverage fills the gap. Depending on your policy, this coverage typically allows you to rent a vehicle that meets specific criteria.

A critical but often overlooked aspect is rental reimbursement’s daily and total limits. Some policies limit rental expenses daily and establish a maximum payout period. Awareness of these limits is crucial because costs can quickly exceed coverage, leaving you out-of-pocket. We are here to weigh your options and clarify your coverages in case of the unexpected. Our top priority is to ensure our customers’ satisfaction with all our policies.

Contact Voi Insurance LLC in Glendale, CA, for Auto Insurance

Rental coverage is a crucial part of auto insurance. You can have peace of mind knowing you’re covered with a policy from Voi Insurance LLC. We proudly serve the Glendale area with comprehensive and affordable auto insurance. Contact us today to learn more about auto insurance and rental coverage.

We look forward to helping you.