When Should You Consider Earthquake Insurance?

Many things can happen that are out of our control. One of those things would be an earthquake. While some earthquakes can barely be felt, others can result in horrific damage to homes and communities. So with this in mind, when is the best time to begin considering earthquake insurance? According to Voi Insurance Solutions, LLC, serving Glendale, CA, now is the time to do just that. 

Earthquakes in California

It should come as no surprise that earthquakes happen all the time in California. Even if you do not live near or on the fault lines in the area, you can still feel the results of an earthquake, depending on its size. If you can feel these tremors, then you are at risk of damage from an earthquake. The wrong time to get this type of insurance is when you have already been hit by an earthquake because you will not be able to get any coverage. If you live in the Glendale, CA area, then it is a good idea to get earthquake insurance before it is too late and you have to pay for the damage and rebuilding out of your own pocket. If you are not prepared, this can even result in bankruptcy depending on the damage. 

Earthquake insurance is usually not something that is included with your typical home insurance policy. If you are interested in getting earthquake insurance for your home, be sure to contact Voi Insurance Solutions, LLC today. We are the ones to call if you are looking for a great policy that can protect you and provides coverage that fits within your budget. Earthquakes are no joke, but with the right earthquake insurance, you will be ready for anything that comes your way.  

Life Insurance for Children

When buying life insurance, you may wonder whether to get insurance for your children. First, you need to make sure that you, as the parent, have adequate life insurance coverage, and then you may consider whether to add a child on to a policy. Voi Insurance Solutions, LLC of Glendale, CA can help you understand the intricacies of life insurance, whether it is for an adult or a child.

Life Insurance for the Young and Old

Like anything else, there are pros and cons to buying life insurance policies for your children. In the modern world, it is very unlikely that a child will die, so the risks are small. But since the risks are small, the costs are relatively low as well. 

The main reason to consider this would be to cover the cost of a funeral if the unthinkable were to happen and your child were to die. Some people buy whole life policies that last as long as the person lives, and these accumulate cash value over time. 

There might be better investments out there, but you do get the added benefit of insurance coverage along with the policy. A child could even borrow against the policy once he or she reaches college age to help with expenses.

Another reason some people get insurance is to make sure the child will be able to get insurance for him or herself later on. If the child developed severe health issues, they might not be able to buy insurance, but if they already have a policy, they will be able to no matter what else happens. Finally, if your child is a prodigy or becomes a celebrity, you might want to consider insurance there as well. There are a lot of pros and cons to consider. 

Come by or call the professionals at Voi Insurance Solutions, LLC in Glendale, CA to make sure you are making the best possible decisions. Our agents can help you through the life insurance process and inform you of the benefits of a policy.

Life Insurance for Children

When buying life insurance, you may wonder whether to get insurance for your children. First, you need to make sure that you, as the parent, have adequate life insurance coverage, and then you may consider whether to add a child on to a policy. Voi Insurance Solutions, LLC of Glendale, CA can help you understand the intricacies of life insurance, whether it is for an adult or a child.

Life Insurance for the Young and Old

Like anything else, there are pros and cons to buying life insurance policies for your children. In the modern world, it is very unlikely that a child will die, so the risks are small. But since the risks are small, the costs are relatively low as well. 

The main reason to consider this would be to cover the cost of a funeral if the unthinkable were to happen and your child were to die. Some people buy whole life policies that last as long as the person lives, and these accumulate cash value over time. 

There might be better investments out there, but you do get the added benefit of insurance coverage along with the policy. A child could even borrow against the policy once he or she reaches college age to help with expenses.

Another reason some people get insurance is to make sure the child will be able to get insurance for him or herself later on. If the child developed severe health issues, they might not be able to buy insurance, but if they already have a policy, they will be able to no matter what else happens. Finally, if your child is a prodigy or becomes a celebrity, you might want to consider insurance there as well. There are a lot of pros and cons to consider. 

Come by or call the professionals at Voi Insurance Solutions, LLC in Glendale, CA to make sure you are making the best possible decisions. Our agents can help you through the life insurance process and inform you of the benefits of a policy.

What You Need to Know About the New Traffic Laws in California

From time to time, there are new traffic laws put into place all over the country. As of January 1, 2017, there were some new additions to the traffic code in California. While these have been in place for nearly a year, there may still be some people who do not know what the laws entail for drivers in Los Angeles or Glendale, CA. These are just a few of the ones that you need to be aware of from Voi Insurance Solutions, LLC.

  • Electronic Wireless Device Usage – It is now illegal to hold an electronic device in your hand while driving. You can still mount your device on your vehicle if you use it for things such as navigation as long as it does not impact your view of the road. 
  • Child Safety Seats – If you have children that ride with you in your vehicle, you will want to make sure that you abide by this new law. Now, children that are 2 years old or under need to be rear facing and in the appropriate child seat unless they meet specific height and weight limits. 
  • Fee Increases – There are two different fee increases this year to be aware of. The first is the vehicle registration fee that is increasing from $10 to $63. The second is the environmental license plate fee increase which has increased by $10 for new license plates and $5 for transfer, renewal, duplication, or retention. 

It is important to keep up with any changing laws in your area to know that you are staying compliant. Another thing you need to do is ensure that you have great auto insurance and meet the legal minimums in the state. Contact Voi Insurance Solutions, LLC, serving Los Angeles and Glendale, CA, to check your policy and get quotes for a better one today. 

How to Find the Cyber Liability Insurance Policy That’s Right For Your Business

You can’t afford to operate a business without cyber liability insurance. If you try, your company may not survive the first hack. You need to put the proper security measures in place now, not later. You need Voi Insurance Solutions, LLC in Glendale, CA. 

Here are a few tips to help you find the cyber liability insurance policy that’s right for your business: 

  • Don’t spend too much or too little.
    • What are your risks? Do you manage people’s money? Do you have access to their financial records? If so, you will want better insurance than what might be needed if you run a pizza restaurant. That being said, don’t overdo it. Know what you can afford and purchase the best policy within your budget. 
  • Consider retroactive coverage. 
    • Not all insurance policies will protect you when you’re the victim of a cyber crime. Even if you have a plan in place today, it may not cover data breaches that began well before you even thought about cyber liability coverage. You need to make sure you buy a retroactive policy. Many large-scale hacks are planned well in advance and take years to roll out. Make sure you’re protected from all types of attacks, regardless of when they first started. 
  • Know what you already have.
    • Nowadays, many companies have at least some level of cyber liability insurance. Check your coverage and speak with an experienced insurance agent at Voi Insurance Solutions, LLC to learn more about what you need to protect your company from cyber threats. 

Do you live in Malibu, Los Angeles, or Glendale, CA? Do you need cyber liability insurance? Then, you need to call Voi Insurance Solutions, LLC at 877-950-3030. Contact us today and see what we can do for your business. 

 

Things Your Basic Home Insurance Policy May Not Cover

Voi Insurance Solutions, LLC asks, Whats Not Covered?

Home insurance is a necessity for homeowners in California. However, many people pick up a homeowner’s policy without fully understanding what their policy will and will not do. At Voi Insurance Solutions, LLC in Glendale, CA, we want you to have a full understanding that there are some things your basic home insurance policy may not cover.

Broad Form and Special Form

The most basic home insurance policy, sometimes called “broad form,” typically includes a certain number of perils. A step up from that, the “special form,” will extend that coverage to just about everything except specific hazards. Be sure to ask your agent for more details on what this means, and how it affects you.

Exclusions to Coverage

Earthquake damage – Often, insurance won’t cover earthquake damage. This exclusion can include other earth shifting activity, such as landslides, mudslides, and sinkholes.

Flood damage – Many insurers offer flood coverage separately. Floods can come from weather, proximity to water sources, sewage backups, and various other sources.

Mold – Home insurance may have some provisions for mold, but the stipulations can vary. For example, if the mold appeared because of something your insurance does cover, then the insurer may pay for mold cleanup.

Insect infestations – If termites invade and wreck the structure of your home, your insurance may not help you. Usually, it’s a home maintenance problem.

Home maintenance – If your home starts to fall into disrepair due to a lack of maintenance, then your home insurance won’t help. It’s your job to keep your home in good shape; it’s the job of insurance companies to assist you if accidents and unforeseen occurrences damage your home.

Pay Attention to Your Personal Home Insurance Needs

There are far more things an insurer may not cover in Los Angeles or Glendale, CA. You should pay attention to your policy and ask questions about specific things you may be affected by or that have a possibility of occurring. Contact Voi Insurance Solutions, LLC to discuss tailoring your home insurance to your specific needs. For quotes from home, try our online rating tool on our main page.