With disposable income stretching thin, it’s not uncommon for you to stick to the state-required auto insurance. But is it enough? Does it protect you optimally if a peril were to strike today? If similar questions are running through your mind, keep reading as Voi Insurance Solutions LLC of Glendale, CA elaborates whether state auto insurance is adequate.  

Required auto insurance in California

To establish whether state-auto insurance is adequate, let’s find out what auto insurance you need in California. Below are the requirements for California auto insurance: 

• Bodily injury liability with a minimum of $15,000/person and $30,000/accident
• Property damage liability with a minimum of $5,000
• Uninsured motorist coverage — although you can reject this in writing

While the above is what is required by the state, at Voi Insurance Solutions LLC, we recommend you to consider other auto insurance coverages. Why? The above state minimums are just minimums. They have limited coverage limits, and they protect other people but not you and your vehicle.

Optional auto insurance coverages to consider

Besides advising our clients to increase their liability coverages’ limits, we recommend motorists to consider the following optional auto insurance coverages.

• Collision coverage: This policy repairs your car when involved in an accident with other vehicles or stationary objects.
• Comprehensive coverages: It covers your vehicle against non-collision risks like theft, fire, vandalism, and certain natural disasters. 
• Roadside assistance: When you purchase this coverage, you get access to services like towing, gas delivery, and puncture repair when your car stalls away from your home.
• Medical payments / personal injury protection (PIP) coverage: Following an auto accident, you or your passengers will likely sustain injuries. Without a health insurance plan, you will have to pay for your medical costs from your pocket. Thankfully, auto insurance takes care of hospitalization, surgery, X-rays, and other accident-related expenses.

Are you shopping or renewing your auto insurance policy in Glendale, CA, and its environs? Don’t hesitate to get in touch with Voi Insurance Solutions LLC for a competitive quote. 

California businesses have two types of commercial insurance that are required for them under certain situations. If you aren’t sure which types of commercial insurance your business needs, contact us today at Voi Insurance Solutions LLC in Glendale, CA to find out more about them. 

Workers’ Compensation

Workers’ compensation insurance is an insurance type that covers the medical bills and lost wages for employees who become injured or sick while at work. This can help to save your business a significant amount of money by paying those bills instead of your business having to pay them. It’s an important protection for any business that has employees, whether they are part or full-time workers. 

Commercial Auto

If your California business owns a vehicle, it’s up to your business to keep a commercial auto insurance policy. This policy is required to have a set minimum amount for property damage liability for an accident, a bodily injury or death coverage for each person and bodily injury or death for the entire accident. With these protections in place, your business is protected from having to pay for medical and property bills that come from an accident that you or your employees are liable for.

If you use a vehicle for work tasks, but your business does not own it, there is a recommended (but not required) insurance policy that is called hired and non-owned. If you have an accident that you are liable for while doing business tasks with your vehicle, the insurance policy will generally not pay for the resulting bills. 

Get Your Business Insured

Insurance protection is one of the most important things to put in place when you begin your business. If your business isn’t yet insured, or you want more coverage, call us now at Voi Insurance Solutions LLC in Glendale, CA.

If you have a property within Glendale, CA, home insurance is a crucial policy to have. Such coverage ensures that your home is secure when unfortunate events occur while also keeping your loved ones protected from lawsuits when they cause harm to others. To learn more about home insurance, Voi Insurance Solutions LLC explains the areas covered by this policy.

Your Personal Belongings

When perils such as hail, theft, fire, and vandalism cause destruction to your property, home insurance can help you cover your repair and replacement costs. The compensation cost allows you to take care of your electronics, clothes, and furniture. Contents such as art and jewelry are often excluded from this coverage, requiring you to get an additional policy for their protection.

The Structure of Your Home

The structure of your home is also protected when covered disasters happen, helping you get the proper compensation for rebuilding or fixing your home. Examples of areas covered by home insurance are structures such as your walls, floors, and cabinets. Additionally, detached structures such as garages are also included in your policy, allowing you to get overall protection.

Liability Claims

When your guests get injured at your home or their property gets destroyed, home insurance ensures that you can pay for costs related to these incidences. These can be treatment costs or repair and replacement expenses for fixing damaged guest property. If you are also sued for harm caused, home insurance provides compensation for your legal fees and damages awarded during your lawsuit.

Additional Living Expenses

If damages leave you with an uninhabitable property, home insurance will come in handy in helping you cater for additional living expenses. Costs incurred for your hotel accommodation are paid for along with travel and meal expenses.

Whether you need to keep your property safe from perils or protect yourself and your loved ones when you cause injuries, home insurance from Voi Insurance Solutions LLC is what you need. Call our Glendale, CA agents today to begin your home insurance journey.

Anyone that lives in the Glendale, CA area knows that the nice weather and access to local waterways make it a great place to own a boat. Anyone that is a boat owner in this area of the state will want to ensure they can enjoy it for a long time. A great way to protect your boat and ensure you can use it in the future is by getting a boat insurance plan. There are a few reasons why you need to have this coverage. 

Coverage Protects Boat

A key reason to have a boat insurance plan in this area of California is that it can protect your boat. A boat insurance plan will offer the coverage you need to ensure you can repair or even replace the boat if it is damaged in an accident or stolen. This coverage is also often required by boat loan providers as it ensures their collateral is protected. 

Coverage is Required in Various Areas

Those that use a boat in certain marinas in the area are obligated to carry boat insurance. With this insurance protection, you are going to have liability coverage which ensures you can pay for any damages you may cause in an accident. Ultimately, having this insurance provides protection to both the marina and other boat owners that use it. 

If you are a boat owner and live in the Glendale, CA area, it would clearly be helpful to carry boat insurance at all times. If you are interested in getting a boat insurance plan here, it would be helpful to speak with Voi Insurance Solutions LLC. There are a lot of important choices that need to be made and Voi Insurance Solutions LLC can help you build a plan that provides the ideal coverage. 

Just like your car, the state of California requires you to purchase insurance for your motorcycle. You must buy liability coverage and property damage coverage before you can legally ride on California roads. Voi Insurance Solutions LLC serving Glendale, CA wants you to understand the state requirements for motorcycle insurance and why carrying optional coverage matters, too.

The state requires a specific amount of each required type of coverage. Showing proof of this insurance when you register your vehicle ensures that you can pay for any accident for which you’re at fault. This proof of financial responsibility lets all those on the California roads know their damages would be covered if an accident occurred.

The state does provide two manners of self-insurance equal to insurance. Those include:

• A cash deposit to the CA DMV of $35,000,
• A surety bond from a licensed CA insurance firm for $35,000.

Most people do not have $35,000 stashed away for self-insurance, so they purchase insurance instead. This provides them with the necessary coverage while only needing to pay a small premium each month.

Any street-legal motorcycle operating on two or three wheels and capable of speeds of 45 mph or greater, must be protected by insurance in the amounts of 15/30/5, meaning:

• bodily injury coverage per person per accident in the amount of $15,000,
• bodily injury per accident in the amount of $30,000,
• property damage per accident in the amount of $5,000.

This insurance only protects the vehicle of the others involved in the accident. You need to purchase other coverage, such as comprehensive, collision, and personal injury payments to protect your own vehicle and yourself.

Contact Voi Insurance Solutions LLC serving Glendale, CA for more information on motorcycle insurance. Let us help you save money and remain safer today.

Why might someone sign up to get renters insurance? There are a few reasons why someone renting an apartment or house would want to have this type of insurance. An agent at Voi Insurance Solutions LLC of the Glendale, CA area can assist you with this matter.

Protection from Losses

When you have a renters insurance policy, this protects you against loss of your personal property. This includes jewelry, clothes, furniture, electronics, luggage, computers, and more. You may not think about the worth of these items if you don’t have anything that is especially valuable, but it does add up so it’s in your best interest to have a solid policy.

Liability

This type of coverage typically is included in the standard renters’ insurance policy. If somebody is injured while they’re at your house or you (or someone else who’s covered by the policy) injure someone, this will pay for their medical bills, legal expenses, and various other related things.

Those that live in the Glendale, CA area are going to have a variety of different insurance needs. One type of insurance that those here should consider getting is umbrella insurance. When you have this coverage, you are going to receive personal liability protection. There are a few reasons why the average person in this area of the state may need to get an umbrella insurance plan.

Coverage on Top of Base Policies

A reason that you should get umbrella insurance is so you can have coverage on top of your base insurance plans. Most people will get good coverage through home and auto insurance coverage. However, there will always be a risk that the damages in an accident exceed your policy limit. If this happens and you are liable, you will have to make up the difference out of pocket. If you have an umbrella insurance plan, it will give you the additional liability coverage that you need. 

Coverage for Uncovered Scenarios

You should also get an umbrella insurance plan as it can help you to prepare for uncovered scenarios. While you are going to get some liability coverage through your base policies, there is always a chance that an accident could occur that is not covered by home or auto insurance. When you get a proper umbrella insurance plan, it can ensure that you are covered for a wider group of risks.

As you are looking for an umbrella insurance plan in the Glendale, CA area, you should call Voi Insurance Solutions LLC. The team with Voi Insurance Solutions LLC understands the value that this coverage provides. They can help you assess your personal risks and build you a plan that provides you with the right type of coverage. 

Flood insurance is an important type of insurance to carry if you own a property in California. We sell flood insurance policies to property owners in Glendale, CA at Voi Insurance Solutions LLC. 

The following are three things to know about flood insurance in California. 

You can’t count on your home insurance policy to include flood coverage. 

Probably the most important thing to know about flood coverage is that it’s not likely to be included in your standard home insurance policy. That’s why you probably need to invest in a separate flood insurance policy to keep your home protected. 

You might be able to get subsidized flood insurance from FEMA. 

If you are in a high-risk area for flooding. it’s important that you research FEMA flood insurance assistance in your area. In high-risk areas, it can be difficult to find affordable flood insurance coverage.

That’s why FEMA chips in to offer subsidized coverage. Do your research and make sure you find out if FEMA subsidized coverage is available in your area. 

You may be able to minimize flood damage and reduce insurance costs with home improvements. 

Perhaps you have recently found out that insuring your property against flood damage is more expensive than you predicted. You might be able to bring down costs if you invest in your property.

Certain home improvements can protect a home against flood damage. These improvements can also make flood insurance less expensive for that property. Do some reserach on home improvements you can make to protect your property against flooding. 

Find the right flood insurance policy to protect your property in Glendale, CA. Contact us at Voi Insurance Solutions LLC to learn more about your options. 

Condo insurance isn’t mandatory in California but it does offer a number of benefits to condo owners in the state. Condo coverage from Voi Insurance Solutions LLC can protect your Glendale condo and your belongings against incidents like fire, vandalism, and weather disasters that can cause extensive loss. If you’re not familiar with the protection that condo insurance provides, read on.

Coverage

Individual condo insurance picks up where your association’s master insurance leaves off to protect the interior of your unit and possessions. It offers the following coverage:

Building Property – to protect interior structures in your condo such as carpeting, built-in appliances, cabinets, light fixtures, built-in wall units, etc. If your association’s master policy only offers bare walls coverage, building property insurance is a must to protect your investment against damage or total loss.

Property – protects your possessions like furniture, clothing, jewelry, artwork, and electronics. High-end goods may not be fully covered under a standard condo policy. You can, however, purchase additional insurance to protect these items.

Loss of Use – covers the cost of hotels, dining out, and other expenses if disaster damage makes it impossible to live in your Glendale CA condo until it’s repaired.

Liability – protects you against accidents that may happen on your property such as slip and falls, kitchen accidents, dog bites, etc. If a friend lands in the hospital after falling down your stairs, liability will cover his medical costs. If he sues you for damages, liability will cover your legal costs.

Importance of Condo Insurance

Condo insurance protects you against unfortunate events that can deplete your financial assets if you had to cover these costs on your own. You can have peace of mind knowing you have financial support when you need it most. To purchase a condo policy for your Glendale, CA condo, contact Voi Insurance Solutions LLC.

Do you know the special limits of your earthquake policy?

At Voi Insurance Solutions LLC of Glendale, CA, we think our job goes beyond selling insurance to helping you understand your coverage and the facets of your policy. Today, we want to talk about an often misunderstood aspect of earthquake insurance – the policy’s special limits.

Unlike the “Outer Limits” or the “Austin City Limits,” your insurance policy’s special limits refer to the maximum payment for certain items or items completely emitted from the policy’s coverage. Every earthquake policy differs. You choose your coverages, deductible, etc. Unlike other types of policy, no standard exists. You must tell your insurance agent what matters most to you and what your financial situation would allow you to cover out of pocket.

One type of special limits excludes structural portions of the dwelling whether connected or detached. For example, some earthquake insurance policies do not cover your home’s deck, porch, and/or swimming pool. These would typically gain coverage under dwelling and/or other structures areas of the policy. Your property’s pier or dock also falls under this exclusion as do retain walls, fences, masonry. Some items within the home fall under the exclusion.

Another type of special limit refers to payment or coverage caps. These typically fall under the personal property section of the policy which covers appliances, clothes, furniture and carpets, dishware and cookware, jewelry, musical instruments, etc. Some of the special limit caps on these items can seem very low and they are. For example, some policies set a $500 cap on computers and tools.

All of these items you can negotiate. You can and should meet with your insurance agent at Voi Insurance Solutions LLC to discuss your insurance needs for your Glendale, CA home. You can choose a deductible that ranges from $500 and up. You can also negotiate the special limits in the policy. Discuss with your agent what coverage levels you need.