Why Liability Coverage is Vital in Condominium Insurance

Condominium ownership is popular in the Glendale, CA area. They require less external maintenance, condo communities are generally more secure, and owners are interested in the property’s value.

VOI Insurance Solutions LLC is pleased to serve condo owners throughout the Glendale, CA region, including with vital liability insurance. Why is liability coverage so crucial for condo owners?

Association Insurance is Limited in Scope

While your HOA is likely to have insurance coverage, it probably only covers their interests. While that may include liability protection in your community’s common areas, it will not cover you in an injury accident within your home.

Condo Communities Tend to Be Social

One of the appealing aspects of owning a condo is that they tend to offer social activities to people of common interests. This makes it easy to socialize in each other’s homes. If an injury accident should occur to a visitor, condo liability insurance will help protect you financially.

Condos Are Often Visited by Family, Friends, and Even Tenants

Condos are frequently located in areas that are appealing for family and friends to visit. For this reason, they are also appealing to use as rentals. As a condo owner, you are responsible for the safety of your guests while at your home. Condo liability insurance can help provide that protection.

Your Association May Require It

An HOA could have more control over the daily aspects of your condo than you may think. Many require condo insurance, perhaps including liability coverage. Check with the HOA for the minimum insurance levels required for your condo.

If you have questions about condominium insurance in general or liability coverage specifically, we invite you to connect with us at VOI Insurance Solutions LLC. If you own a condo in the Glendale, CA area, contact us today to ensure you have the coverage you deserve.

How Do I Know if I Need Earthquake Insurance?

Sometimes, buying insurance can be confusing, as there are many different types of coverage and plans to choose from. If you’re looking into homeowners insurance, you may have heard the mention of earthquake insurance. Earthquake insurance covers the damage that your home sustains during this type of naturally occurring event. You might wonder how you will know if you need earthquake insurance, and here is an overview that can help you make the determination.  

Do You Live in a Risky Area?

While an earthquake can happen in any state, some states are more prone to its occurrence. California is among the 16 states more likely to experience natural earthquakes. So, living in Glendale, CA means you’re at a much higher risk of your home becoming damaged by this type of natural disaster. Therefore, you should seriously consider purchasing earthquake insurance. 

Can You Afford to Pay Out-of-Pocket for Repairs?

Many homeowners cannot afford to pay out-of-pocket for home repairs should an earthquake occur and cause damage. If you’re in this category, buying earthquake insurance is a good idea. Voi Insurance Solutions LLC offers earthquake and other types of insurance to meet your needs. We are a full-service insurance agency that serves your area, and we’re ready to provide you with top-quality coverage today so you’ll be prepared in the event of a damaging earthquake.

As you can see, buying an earthquake insurance policy is a good idea since you live in the Glendale, CA area, a state that experiences frequent earthquakes. Contact us today at Voi Insurance Solutions LLC, and we can provide you with a quote, which should help you make the final decision regarding whether to add earthquake insurance to your plan. 

Four things that might surprise you about life insurance

If you’re a consumer in Glendale, CA and you’re looking for a good life insurance option, consider our policy offerings at Voi Insurance Solutions LLC. We offer life insurance that secures your family’s financial future.

The following are four things that might surprise you about life insurance. 

Life insurance offers many opportunities to customize the coverage they get.

Different families have different life insurance coverage needs. Fortunately, consumers can customize their life insurance coverage by choosing from among various life insurance types, coverage amounts, and policy terms.

Do your research to find the life insurance policy that’s just right for your family’s unique needs. 

Term life insurance is offered in a variety of different term lengths.

If you only need life insurance coverage for a given period of time, you can choose term life insurance.

When you buy term life insurance, you can choose term lengths of anywhere from 10 to 30 years according to your coverage needs. Some life insurance providers might also offer term length options that are longer or shorter than this. 

It’s possible to buy life insurance without undergoing a medical exam.

Consumers must typically undergo a medical exam before buying life insurance. However, this is not always the case. If you’re concerned that your health condition will make it hard to get life insurance, you can opt for a no-exam policy. 

Some life insurance policies offer the possibility of taking out loans against the policy’s cash value.

If you choose a whole or universal life insurance policy, your policy will accumulate cash value. This can offer the possibility of borrowing against your policy’s value if you need a loan in the future. 

We’re here to assist you if you’re ready for a quote on a life insurance policy. At Voi Insurance Solutions LLC, we are an insurance policy servicing customers in Glendale, CA. Get in touch with us today for a life insurance policy quote!

Am I responsible for traffic tickets when I let someone borrow my car in Glendale, CA?

Driving is a huge responsibility. You must maintain the vehicle, register it, buy gas, and find a place to keep it. You may also be responsible for some issues if you lend someone your car in Glendale, CA.

At Voi Insurance Solutions LLC, we want to help you understand your responsibilities regarding operating and lending your vehicle. 

Insurance Usually Follows the Car, Not the Policy Holder

Every driver in California has to be able to provide proof of financial responsibility. An individual usually takes out an insurance policy on a specific vehicle, and when you lend someone your car, they are generally covered under your insurance. There may be exceptions if you deliberately lend your vehicle to an unlicensed driver, knowing they are not allowed to drive.

Tickets Usually Follow the Person Who Got the Ticket

Especially when it comes to moving violations, tickets are almost always the responsibility of the person who received the infraction. You may need to prove that you were not the driver in some instances. As of right now, traffic cameras are legal in California. The camera will likely get a picture of the plate, leading back to you as the owner.

You can protect yourself from some violations by transferring your registration immediately when you change vehicles. That way, your old plate will return to the new owner instead of you.

If you drive in Glendale, CA, you don’t want to pay for someone else’s mistakes. If you have any questions or wish to discuss your options, call Voi Insurance Solutions LLC today.

Why does my Glendale business need commercial insurance?

Glendale, CA can be a great place to own a business. The strong economy and population base make it an excellent place to operate in many industries. If you are going to start a business here, you need to ensure that you get the right type of insurance for it. Your Glendale business will need commercial coverage for many reasons. 

Meet Lender and Investor Requirements

To start a business, you will likely need to have capital. This can be used to fund working capital, purchase equipment, and inventory, and provide near-term cash flow. Raising this from lenders and investors is often a good idea. If you raise capital through these processes, the lenders and investors will likely require you to carry insurance. Having a commercial insurance plan will keep you in good standing. 

Financial Protection

Another important reason that you should get commercial coverage for your Glendale business is to receive financial protection. With a commercial plan, you will get the support you need to repair or replace assets for your business. This type of coverage will also provide you with liability insurance protection, which will be helpful in a situation when you are found liable for an accident. Ultimately, this can help ensure your Glendale area business’s financial future and reputation. 

It is very important that you get the right type of insurance for your Glendale, CA area business. When you are ready to start shopping for insurance here, you can call us at Voi Insurance Solutions LLC to discuss your needs and options. When you reach out to us at Voi Insurance Solutions LLC, you will receive top support that will help you build a plan that offers ideal coverage. 

How to make and store a home inventory

If you ever have a home insurance claim, you will quickly realize how valuable a home inventory can be to the claim being processed quickly. A home inventory will give you information about what was lost. At Voi Insurance Solutions LLC in Glendale, CA, we offer our customers more choices and the help they need. 

There are several ways to do a home inventory, but the most common is just with a pad and pen and your phone to take pictures. You can begin in the room of your choice. Write down everything that you see in as much detail as you can. This means brand names where possible and serial numbers for electronics. Open every drawer, cabinet, and closet. 

Take photos of the room from various angles to get as many of the things included in the photo as possible. If you have any receipts or sales slips, they should be attached to the list for the room. Go from room to room in your home and do the same thing. Once you have finished the first floor, go to the second floor if you have one. 

When all the rooms are complete, don’t forget the attic and the basement. Many people store things like their Christmas ornaments in either one of these places. You should also inventory the items stored in your garage and any sheds you may have. 

Once the inventory is complete, it is vital that it be kept in a safe place so that it can survive any peril that may strike. The best place is away from your home. Having a copy of the inventory and photos on the cloud is also a good idea. 

Contact us at Voi Insurance Solutions LLC in Glendale, CA when you need help with your home insurance needs. 

Why All Boaters Need Boat Insurance

When you own a boat, you have responsibilities like driving a car or truck. That’s why boat insurance is so essential if you’re a boater. Accidents can happen in the water, and they often do. This can mean that you owe a considerable amount of money after an accident if you don’t have insurance on your boat. It’s best to get a boat insurance policy as soon as you get your boat and keep it for as long as you own it. This will give you the protection you need to avoid financial ruin if an accident should happen. When you need boat insurance, call us today at Voi Insurance Solutions LLC in Glendale, CA to get started. 

Liability Coverage

Boat insurance works very similarly to auto insurance. One of the most essential parts of the policy is your liability coverage. This may be separated into bodily injury liability and property damage liability. Each of these is important to have in case of an accident. If you don’t have insurance, you would be liable for paying the enormous cost of medical bills and repairs or a replacement for the other boat. With insurance, the policy pays those costs.

Other Coverage

There are other types of coverage that you can get for your boat as well. These include collision insurance. This pays for the damage done to your boat if you are at fault for an accident. This will allow you to get boat repairs or a replacement as needed after an accident. You can get comprehensive coverage as well. This covers the boat when it isn’t on the water. 

Get Boat Insurance 

If your boat isn’t covered, call us at Voi Insurance Solutions LLC in Glendale, CA to learn more.

I only drive my motorcycle on holidays. Do I still need motorcycle insurance?

Motorcycle owners in California are required to purchase motorcycle insurance to drive legally in the state. Our Voi Insurance Solutions LLC team understands that many Glendale, CA motorcycle owners may be unsure of the insurance requirements. As a result, our team is committed to educating drivers and helping them get the insurance they need to drive within the state legally. 

What is Motorcycle Insurance?

Similar to auto insurance, motorcycle insurance provides coverage for repairing or replacing your motorcycle, motorbike, scooter, moped, ATV, or UTV. Motorcycle liability coverage provides liability protection for other drivers and their property if you’re found responsible/liable for an accident that causes damage or personal injury to others. 

I only drive my motorcycle on holidays. Do I still need motorcycle insurance?

You must purchase motorcycle insurance to drive your motorcycle legally. It doesn’t matter how frequently or infrequently you drive your motorcycle. You must have insurance to drive it in any capacity. The state of California requires that all motorcycle drivers carry motorcycle liability coverage in the amount of $15,000 per person for bodily injury coverage and $30,000 per accident. Drivers must also carry $5000 in property damage coverage per accident. You may opt to meet the state minimum insurance requirements and nothing more. However, if you have a motorcycle loan, your lender will likely require full coverage auto insurance, which exceeds the state’s minimum motorcycle requirements for motorcycle owners. Driving without insurance is illegal and comes with heavy fines. If you have questions regarding motorcycle insurance, call us. We’d be happy to help you explore your options. 

Renters insurance FAQs

Insurance can be a confusing topic. If you are looking for renters insurance, here are some questions and answers that you might find helpful.

What are the three major parts of a renters insurance policy?

Three major categories make up a renter insurance policy. The first category is personal possessions. Personal possessions refer to the personal items that you put in your rental, such as electronics, jewelry, clothes, furniture, and much more. The second category is liability. If an accident occurs on your property, liability insurance covers the costs. The last category is additional living expenses. If your rental is deemed unsafe, your insurance can help cover the additional costs of renting a hotel room and the other necessities needed to live.

Is renters insurance a waste of money?

Many people view renters insurance as a waste of money, but it can help if something happens beyond your control. If someone breaks into your home, renters insurance can help you replace your stolen or damaged belongings. A fire could happen, and without renters insurance, replacing everything could get super expensive.

Does renters insurance cover theft while traveling?

You might think that if you are traveling, it would be a waste of money to have renters insurance. The opposite is the case. Did you know that renters insurance can cover theft while you are traveling? If someone breaks into your car or hotel room, your renter’s insurance will help you replace any stolen items. That sounds great, but you might want to check your policy to ensure you are covered.

Contact Voi Insurance Solutions

Contact us for a renters insurance quote at Voi Insurance Solutions LLC in Glendale, CA.

How can umbrella insurance help someone?

When you are in the Glendale, CA area, you will need to consider getting many forms of insurance. A critical form of coverage that people should consider obtaining is umbrella insurance. A quality umbrella insurance plan can help someone in various ways, which could make it a significant investment. There are various important reasons to obtain this support. 

Coverage Against Risks

One of the reasons that people will want to have umbrella coverage is that it can cover more risks. While home or auto will include liability coverage, the scenarios covered by these plans are somewhat limited. If you want more coverage, an umbrella policy is a great option. This is a larger blanket plan that will protect against many liability risks that could arise. 

Further Support for Large Claims

Getting an umbrella plan is also a good idea, offering further support for more significant claims. If you have been involved in a bad accident covered by a home or auto plan, you will have liability coverage up to the policy limit. However, there is always a chance that a big claim could exceed your policy limits. If this occurs, having umbrella coverage is helpful as it offers additional coverage on top of your other policies.  

An umbrella insurance plan can be a good idea if you are in the Glendale, CA area. As there are a lot of situations when it could help you, talking with someone to ensure you get into the right plan is a good idea. If you want coverage here, our Voi Insurance Solutions LLC team can help. We can offer the guidance you need to select a plan to meet your needs.