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.

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. 

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.

If you regularly read the Voi Insurance Solutions LLC blog, you will know we’ve mentioned workers’ comp in two blogs. However, today, we’re going to dive deeper into this topic. If you own a business in Glendale, CA, this blog will explain how workers’ compensation insurance works and whom it protects.

Who Must Buy Workers Compensation Insurance?

Every U.S. state has its guidelines for workers’ comp insurance. Some states allow very small businesses with only a few employees to forgo buying workers’ comp policies. However, in California, every business that employs someone, be it part-time or full-time, must purchase workers’ compensation insurance.

What Does Workers Compensation Insurance Do?

Each state maintains a workers’ comp program that ensures employees who are injured on the job or who develop an illness from workplace exposure can get medical and rehabilitative care. These programs also provide partial pay for the employees while they recover.

The workers’ comp insurance policies purchased by California’s employers ensure that funds for these expenditures are readily available. When an employee has an accident at work, they file a claim for workers’ comp. The state program administers the program. Your workers’ comp insurance covers your employees, not others’ employees.

How an Employee Accesses Benefits

When an employee gets hurt on the job, they need to notify their employer immediately. After seeking initial medical treatment, they file a workers’ comp claim. They typically file this claim with a representative at their workplace and the state program, who files additional paperwork with the state program. The workplace has to complete part of the form promptly. According to the Department of Industrial Relations of California, a claim should be filed within 14 days following the injury.

When an employee agrees to accept workers’ compensation benefits, they surrender the right to sue their employer for damages. In cases of serious injury that prevents a complete recovery, workers’ compensation can make settlement or disability payments.

Contact Us Today

If your Glendale, CA business plans to hire employees, contact Voi Insurance Solutions LLC for workers’ compensation insurance. It’s state law to have this crucial type of commercial insurance. Allow us to help you maintain your compliance.

As homeowners, we diligently protect our most valuable asset against many potential risks. From natural disasters to unexpected accidents, the need for comprehensive home insurance coverage is essential in safeguarding our investments and providing peace of mind. In a world where uncertainty looms, understanding the extent of protection your insurance policy offers becomes paramount. At Voi Insurance Solutions LLC in Glendale, CA, we know how important protecting your home from disasters can be.

Which Disasters Are Covered by Home Insurance?

Home insurance is a crucial safety net, but understanding which disasters it covers is essential for homeowners looking to protect their investments. While policies vary, most standard home insurance plans typically cover damages caused by fire, hurricanes, tornadoes, and lightning strikes. However, due to their specific nature and higher risk factors, floods and earthquakes often require separate policies or riders.

Not all water-related damages are covered under standard home insurance. For instance, your policy may not include issues stemming from poor maintenance or gradual wear and tear. Additionally, many homeowners are unaware that wildfire coverage differs depending on the property’s location. By delving into the specifics of what disasters your home insurance covers, you can ensure adequate protection against potential risks beyond the basic offerings of a standard policy.

Contact Voi Insurance Solutions LLC in Glendale, CA for Homeowners Insurance

If you are looking for homeowners insurance in the Glendale area, Voi Insurance Solutions LLC professionals are here to help. Contact our offices today to book an appointment and learn more about how we can help you secure comprehensive and quality insurance. 

If you use your fishing boat in public bodies of water, it is in your best interest to purchase a liability insurance policy that will keep you compliant with local regulations. This type of protection will cover medical bills and legal costs resulting from a boating accident that is your fault.

Liability Protection

Liability insurance protects against unforeseen accidents. It would protect those who spend time aboard your fishing boat. It would also protect other boat operators and anyone else in the same body of water you will be fishing in.

If you are directly responsible for an accident while fishing, the liability insurance coverage will cover the costs you incur.

Protection Amount

Decide how much liability protection you need. Keep in mind that property damage and injuries could be substantial. If you launch your boat on a marina’s property, you need to be wary that damage could occur to the marina itself or someone else’s boat. 

Inspection

Your fishing boat should be inspected at standard intervals. The inspection will unveil any mechanical issues or physical flaws that could make your watercraft unsafe.

You reduce the risk of being involved in a boating accident by seeking inspections as needed. The inspection report that you receive should be referred to when you seek repairs to your boat.

Contact Voi Insurance Solutions LLC

Don’t place yourself at risk when you are operating your fishing boat. Seek adequate liability protection for your watercraft. Contact one of our Voi Insurance Solutions LLC representatives. An agent serving the Glendale, CA region, will prepare your liability protection policy.

Before exploring the stunning landscapes of California on your motorcycle, safeguard your journey with the right motorcycle insurance. Here are five key tips from Voi Insurance Solutions LLC insurance professionals in Glendale, CA, to help you confidently cruise the Golden State.

Evaluate Your Motorcycle Insurance Needs

Protection needs vary for each biker. Consider parameters like the frequency of use, bike value, and personal preferences to make an informed decision about the insurance coverage necessary to protect your bike against theft, natural disasters, and liability claims from accidents.

Obtain a Motorcycle Insurance Quote from Reliable Local Professionals

Consult a reputable local motorcycle insurance expert to secure optimal coverage for both collision and non-collision-related incidents. Remember to ask about additional add-ons like emergency roadside assistance.

Consider Bundling Your Motorcycle Insurance Policy

Bundle your home, auto, and motorcycle insurance policies to enjoy significant insurance savings. Many providers offer attractive discounts to riders who choose bundled comprehensive coverage.

Maintain a Spotless Record

Safe riding habits and a clean driving record can significantly reduce your insurance premiums. Seek guidance from a reliable insurance consultant to determine how a clean record qualifies you for safe driver discounts and lower premiums.

Regularly Review and Update Your Insurance Coverage

Ensure that your motorcycle insurance policy provides comprehensive coverage and benefits that meet your needs. Connect with a knowledgeable insurance agent at Voi Insurance Solutions LLC in Glendale, CA, to ensure you’re getting the best coverage options available on the market.

Understanding the Necessity of Renters Insurance

Renting a space gives you the freedom from the burden of home maintenance costs and chores. While you might think your household belongings are protected under your landlord’s insurance policy, that’s a common misconception. Renters insurance exists to provide coverage for many of your possessions at an affordable cost and includes several other benefits. At Voi Insurance Solutions in Glendale, CA, we offer insurance policies to protect your finances.

Is Renters Insurance Necessary?

Many people underestimate the value of their possessions and question the need for renters insurance. However, when you tally the cost of replacing clothing, furnishings, kitchenware, sports equipment, electronics, and other items, the total might reach thousands of dollars. Renters insurance offers other advantages, like coverage for alternate living space if your apartment becomes uninhabitable while it is being restored.

Liability Coverage: Protection from Expensive Legal Proceedings

Renters insurance also provides liability coverage that protects you from costly lawsuits in case someone gets injured on your property. Accidents can happen; if a guest falls and gets hurt, you could be liable for their medical costs. Your insurance will help cover such events, sparing your savings from the financial burden of unexpected mishaps.

Choose Voi Insurance Solutions LLC for Your Renter Insurance

Renters insurance is a cost-effective solution that offers extra security against expensive losses and helps protect your financial stability. Contact Voi Insurance Solutions LLC in Glendale, CA, today for a no-obligation quote on renters insurance that can help you shield yourself from expensive lawsuits due to unforeseen accidents.