Is Flood Insurance Required In California

When you live in the Glendale, CA area, it’s important to look at whether flood insurance is required or not. Even if you don’t live on a lake or river, you can still be affected by massive amounts of water.

“Required” flood insurance is for those who are in FEMA-identified flood zones. These can vary from year to year based on where floods occurred in the past. While you may not be in an area where flood insurance is required, it can still be highly beneficial.

At Voi Insurance Solutions, LLC, our goal is to show you why it is a good idea to shop for flood insurance, even if you are not in an actual flood zone.

What happens if your water heater explodes, releasing hundreds of gallons of water in and around your home? What happens if a water main breaks? These are scenarios that you have to consider when it comes to protecting your home. Your homeowner’s insurance generally doesn’t cover anything related to water damage. As such, flood insurance may be the only way to get the necessary protection.

Heavy storms can result in dumping a significant amount of water around your property, too. If the water sits for too long, it can damage your foundation, seep into your home, and cause all sorts of other damage. By having flood insurance, even when it’s not required, you can get the help that you need. You will be able to file a claim with the insurance company knowing that you have the needed coverage.

When you are ready to start shopping for flood insurance, contact us at Voi Insurance Solutions, LLC. One of our independent insurance agents can work at adding flood insurance to your home insurance policy. This way, you are better protected against anything that could happen at your home in the Glendale, CA area.


What Does Condo Insurance Cover?

Living in a condo brings with it a long list of amenities. Beyond the convenience of a traditional home, you have access to hotel-like services, such as a pool, a gym, plus landscaping, and all other kinds of exceptional benefits. While the exact benefits will vary based on the complex you live in, the kind of insurance you should invest in is different as well. Condo insurance is different from a traditional home owner’s insurance and is critical for your condo living enjoyment. So whether you live in Glendale, CA or the greater Southern California area, Voi Insurance Solutions, LLC is here to help with your condo insurance needs. 

Property Insurance With Added Benefits

Living in a condo is different from living in a home, and as such you need different insurance. Like a traditional home, you’ll have everything inside the house protected. So in the event of a break end or storm, you will be covered. 

However, when you live in a condo you have more people around, which can increase the possibility of a fire. It also means more people are walking past your front door. With the increase in foot traffic and possible fires from other condo residents spreading to your property, the condo insurance covers this as well. 

Contact Your Condo HOA

Your home owner’s association will have specific requirements for your condo insurance. It may also require you to go through a specific provider. Due to this, always contact your HOA ahead of time. 

No matter the property you live in, the size of your property, or where in the region you live, if you call the area in and around Glendale, CA home, the team at Voi Insurance Solutions, LLC can help find the right condo insurance for your home. 

What is Earthquake Insurance?

For some, earthquakes are a real issue that must be dealt with. For the most part, your typical home insurance is not going to cover something out of the ordinary like an earthquake. For those instances, there is earthquake insurance. For those that live in the LA or Glendale, CA area, the agents with Voi Insurance Solutions, LLC can help.

Earthquakes are not all that common which means that they are often not covered on typical insurance policies. What may be a common occurrence for some people, may never happen for others. As such, earthquake coverage is a specialty policy that you can add to your typical home policy to help cover your home from things like an earthquake. Earthquake insurance covers the damages that come as the result of an earthquake like the destruction of a home, damage to foundations, damage to homes and more.

If you live in an area where earthquakes are possible or common, you need to make sure you have some sort of policy in place to protect you from an earthquake and the damage that they cause. Not all homeowners are going to need this type of policy so you should take the time to determine if it is right for you or not. For those that have questions about this type of specialty policy, it is always best to talk with an agent to find out more about what it covers, what types of policies it can be added to, and if you will benefit from purchasing an earthquake policy.

For those in the LA or Glendale, CA area, the agents with Voi Insurance Solutions, LLC can help you find the right earthquake policy for you and can help you determine if you need this type of policy or not and how to go about getting the right policy for you.

What is the difference between term and permanent life insurance?

There are two main categories of life insurance for those who are interested in coverage. These are called term life insurance and permanent life insurance. It is also important to be mindful of the fact that the state of California also has its own unique set of rules and laws regarding life insurance. This includes unique types of life insurance such as whole and variable. For the sake of simplicity, this discussion will be limited to the two most common.  

The more common and straightforward option is term life insurance. You can purchase life insurance for the duration of your choosing, say 10 or 20 years, and you pay a premium to be covered for a certain amount during those years. In the event of your death, the insurance company pays your family the amount specified in your policy. If the purchaser is still alive at the end of the term, then there is no payout. The duration and payout amount are really the only thing the consumer needs to be concerned with, which makes this the simpler and more attractive option for most people.  

Permanent life insurance is obviously quite different. By definition, this is a policy that is meant to be forever, regardless of when the purchaser may die. The amount is usually an accumulation of money paid into the policy over time, which will affect the amount paid out to family members in the event of the purchaser’s death. Due to this factor, payout amounts can vary greatly based on the amount of money invested and the timeframe the purchaser was paying into the policy.   

For more information, please contact Voi Insurance Solutions, LLC serving the Glendale, CA area. We can also be reached at our office in Glendale, CA to speak with an agent at Voi Insurance Solutions, LLC directly.

5 Ways to Winterize Your Vehicle

Winterizing your vehicle will not only protect it from cold weather but make it safer to drive when temperatures drop. There are various ways to winterize a vehicle. Here are just a few:

Check the Windshield

Check your windshield for chips and cracks. Cold temperatures could cause cracks to spread and compromise your safety. If you have cracks in your windshield, have them repaired before cold weather sets in.

Change the Wipers

Replace worn wipers, so you will have maximum visibility driving in foggy, rainy, or icy weather. If your wipers smear or squeak when in use, it’s time to get new ones.

Upgrade Tires

Good tires are essential to safe winter driving. If your vehicle has old, worn tires, consider upgrading to new ones before winter sets in. Quality all season tires will keep you safer from accidents in Los Angeles or Glendale, CA when driving on slippery roads.  

Test the Battery

Before winter sets in, have your battery examined by a mechanic to ensure it’s working at optimum capacity. Cold weather will tax your battery, making it work harder than usual. A weak battery could easily fail during holiday shopping and leave you stranded by the side of the road. In contrast, a new battery will give you top performance all winter long.

Change to Winter Grade Oil

Have your mechanic change your oil to winter-grade oil so your car will function better during the cold winter months. Winter grade oil will keep your engine well lubricated in cold weather, so your vehicle runs smoothly throughout the season. Your mechanic can help you find an appropriate oil for winter. 

Don’t forget to update your car insurance with Voi Insurance Solutions, LLC in Glendale, CA for optimum protection on the road. For quality auto insurance at reasonable costs, contact Voi Insurance Solutions, LLC.

Does Commercial Insurance Cover wind Damage?

One of the most important assets a business owner can have is commercial insurance. This type of coverage helps protect the company or business owner from loss and liability. There are many different ways that commercial insurance can help prevent financial losses including protection from damage resulting from storms. 

Wind Damage

If you are the owner of a business and have a solid commercial insurance policy, in most cases, that insurance policy will protect you from the losses incurred as a result of wind damage from a storm. Of course, not all insurance policies are the same so that the coverage can vary greatly. If you are living in an area that is prone to wind damage or severe weather, it is critical that you understand the terms and conditions of your insurance policy. If you don’t feel that that policy you are considering offers adequate insurance coverage from wind damage, then you should continue to look for alternatives. Don’t leave yourself vulnerable. Always make sure you select the right amount of coverage.

Finding Coverage

If you live in or near Glendale, CA, then you should check out Voi Insurance Solutions, LLC. We have skilled representatives to help you find the exact amount of coverage you need. We can make sure that you aren’t sacrificing coverage you need for a lower price. Also, we can work closely with you to help you submit claims and answer any coverage questions as they arise in the future.

Don’t take chances when it comes to protecting your company with commercial insurance. If you are in or around the Glendale, CA area, Voi Insurance Solutions, LLC can help you get the coverage you need. 

Your House, Your Way, Your Home Insurance Policy – Understanding Renovations

Voi Insurance Solutions, LLC in Glendale, CA is true to its name. We believe in finding solutions to problems. 

Much like your home renovation project, we endeavor to improve upon what already exists. Calling your insurance agent first before you begin the renovation is the most sound practice. Becoming familiar with your home insurance policy can only benefit you and your family. When you contact your agent, you can discuss what renovation ideas you have and how you esteem the impact on your policy. It’s better to find out first because if you have to go to your policy or the rate of your premium is somehow changed, you would be able to budget accordingly. You may have to add any additional cost to the overall renovation budget.

Another reason to contact your insurance agent prior to starting your renovation is that the agent may have great information for you. Most people are going to buy the aspects of acquiring permits when it comes to renovating their home. We can tell you much about this process which makes it easier.

The renovation that is most likely to cause the greatest impact to your insurance policy is when you add  Space that includes rental potential. Renting port or hole of your property involves a huge additional liability to yourself. We are not trying to discourage you, we want you to be well informed. We will tell you exactly how this renovation that you’re planning will impact your homeowner’s insurance policy. 

Located at 6100 San Fernando Rd., Voi Insurance Solutions, LLC is your go-to professional insurance agency in Glendale, CA. Call today at 818-435-8225. When you are ready to go forward with your renovation be certain to contact us first.

Am I Required to Carry Boat Insurance?

For people in the Glendale, CA area, spending an afternoon on a boat on a hot summer day is a great and gratifying activity. While most people consider a boat to be a recreational vehicle, it is also something that is very valuable and needs to be adequately protected by insurance. There are several situations in which you will need to make sure that you have the proper coverage in place on your boat. 

Local Requirements

When you are looking to operate a boat in California, there are no state laws that will require you to keep your boat insured. However, California is full of local lakes, marinas, and waterways that can have certain rules and regulations. Due to the risks that come with operating a boat, you may be required by local associations to keep at least a minimum liability insurance policy in place at all times. This will give coverage to you in the event you are at fault in an accident while operating your boat.

Lender Requirements

Since boats can be very expensive, many people today take out loans to finance the purchase. When you are looking to buy a boat, you should understand if your lender will require you to carry insurance. This is often a basic requirement set forth by lenders as it will help to ensure that their collateral is protected.

If you have a boat in the Glendale, CA area, you should reach out to Voi Insurance Solutions, LLC to determine whether or not you need to have boat insurance. The team at Voi Insurance Solutions, LLC will also be able to help you to understand better what levels of coverage you should get to make sure you get the best policy possible. Reach out to our offices to speak with an agent and get a quote.

When Can You Claim Your Motorcycle Insurance?

Whether you are a road warrior seeking new adventure or you are just looking for a flexible way of getting around town, there is nothing as exciting as riding a motorbike. However, driving a motorcycle in Glendale, CA also comes with its share of risks. In fact, motorcycle accidents are more life-threatening compared to car accidents.

This is the primary reason why you need to consider purchasing a motorcycle insurance policy from Voi Insurance Solutions, LLC to protect you, your passengers, and your investment. Buying a motorcycle insurance policy is one thing and knowing when to file a claim is a different thing. Do you know when you should file a motorcycle insurance claim? Read on to find out.

When You Are Involved In an Accident

This one is quite obvious and pretty straightforward. The primary reason why you bought your motorcycle insurance policy was to be able to get help when you are involved in an accident. You need to remember the fact that a lot of damage will occur when an accident happens, and you will need to take care of that damage eventually to get back on the road.

For instance, you need to repair your motorbike and settle the medical bills of the people who were involved in the accident. If the accident is severe, make sure that you are safely off the road before you call the emergency number for urgent help. You should also try to document everything since you will need this information when filing your insurance claim.

When Your Motorcycle Is Stolen or Damaged By a Covered Event

Any person who owns a motorcycle in Glendale, CA will admit the fact that bikes have become easy prey for a lot of professional thieves due to their small size. Unlike a vehicle, it’s pretty easy to move a motorcycle even without a key. Comprehensive motorcycle insurance also covers other types of non-collision damages such as vandalism to your bike by third parties.

Are you a proud owner of a motorcycle? Contact Voi Insurance Solutions, LLC today for a motorcycle insurance policy.

Umbrella insurance coverage options in California

Did you know that your home and auto insurance may not be adequate to cover for all damages and losses, and that they have a coverage limit? Well, umbrella insurance, or extra liability coverage, covers for what your auto, home, or boat insurance cannot cover.

At Voi Insurance Solutions, LLC in Glendale, CA, we recommend that all California residents purchase this policy. This coverage protects you from various stringent California personal injury lawsuits or any other circumstance that could get you sued. Apart from injury protection, the policy also covers a wide range of legal issues like libel, property destruction, false arrest, slander, and other coverage problems.

Umbrella insurance can be beneficial particularly for homeowners, landlords, or people with lots of properties, although, anyone is eligible to purchase it. The policy is extremely cost-effective for anyone who would want to add extra coverage to their assets. Umbrella insurance protects you from:

  1. Property damage: Covers for damage or loss on another person’s property in which you are held accountable. For instance, your pet breaking your neighbor’s glass window or accidental damage to another person’s property due to your child’s negligence.
  2. Bodily injury liability costs: Bodily injury coverage pays for medical assessments of other people in which you are at fault. For example, accidental injuries sustained due to an accident that you caused such as your pet attacking a neighbor and hurting them, a visitor’s child who falls while playing in your yard, or a guest who gets injured under your roof.
  3. Rental liability costs: This coverage is valuable for landlords who may face lawsuit challenges from their tenants.

For all your insurance needs, insurance information, new policy discussions, or quotes, Voi Insurance Solutions, LLC is the agency to contact. Visit us in Glendale, CA or call us and speak to any of our agents to have your questions answered.