You can check your risk factors to see if you are likely to be affected by flooding in Glendale, CA, but that doesn’t tell the whole picture. Even if you are not in an area deemed high risk, your home may still feel the effects of flooding during a significant weather event. Voi Insurance Solutions LLC can help you assess your risk and decide if flood insurance suits you.

Risks of Flooding

With the climate and weather changing, homeowners can expect more events that can lead to flooding. When a community suffers flooding, that can affect everything from your home to area transportation. Water can cause much damage, and nothing is safe when there is a flood. Your home may be at less risk because of its specific location.

Protecting Your Home

If you only carry regular homeowners insurance, you will have no protection from a flood. Flooding is one of the events that is excluded from traditional insurance policies. If your home and belongings are damaged by flooding, you will have to replace and repair everything by yourself.

It is important to remember that there is a waiting period after you buy flood insurance. There are some exceptions, but for the most part, you will need to wait at least 30 days after purchasing flood insurance before you can use your policy.

Contact Us Today For More Information

Protect your Glendale, CA, home with flood insurance. Make sure you have enough coverage so that you can move on after a flood. If you have any questions about flood insurance or would like to compare policies, please call Voi Insurance Solutions LLC today.

Flooding can cause a lot of damage to your home that’s expensive to repair. Homeowners can protect themselves against flood damage expenses with an insurance policy from Voi Insurance Solutions LLC.

The following are four priorities to focus on when you buy flood insurance in Glendale, CA. 

Insuring the contents of your home

Flood insurance isn’t only important for protecting your home itself. It’s also important for insuring the contents of your home. Your belongings could become severely damaged by flooding.

Flood insurance should include enough personal property coverage to cover the full value of the items you own that you keep in your home. Keep this in mind if you have particularly valuable items in your home, like expensive electronics. 

Knowing what your FEMA designation is

Your area’s FEMA designation can impact flood insurance costs and the availability of NFIP subsidies. That’s why it’s so important for you to do your research on your area’s FEMA status. 

Knowing when your policy needs to be renewed

A flood insurance policy typically has a term length of a year. After a year, you’ll need to renew your policy to enjoy continued coverage.

Make a note of the date on which you’ll need to renew your policy to ensure that you stay covered against flood damage. 

Keeping up on news and updates about flood risks

Flood maps and insurance regulations can change over time. You need to know about any changes so that you can adjust your insurance coverage accordingly. 

At Voi Insurance Solutions LLC, we offer flood insurance to property owners in Glendale, CA. Contact us now to get a quote on a flood insurance policy that will protect your home’s value. 

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.

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. 

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!

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.

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. 

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. 

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.

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.