Why Home Insurance In Buena Vista VA Is Important

Many people purchase home insurance in Buena Vista, VA because they don’t have a choice. Mortgage companies require it. However, it’s important to have a policy that you can rely on for a variety of reasons.

Our independent insurance agents at Stonewall Grace Insurance will be able to help you establish a comprehensive policy to provide protection throughout the year.

Home Protection

You want the very best for your home in Buena Vista, VA. Unfortunately, you can never predict what will happen. There could be a major thunderstorm, snowstorm, or even break in that could lead to big problems. You don’t want to deal with all of these things on your own. It’s easier to call the insurance company and file a claim. They will be able to provide repairs, replacements, and even handle lawsuits effectively.

Financial Protection

Repairs and replacements can add up to a significant amount of money. If a thunderstorm damages your roof, you want the insurance company to pay for the repairs or to replace your roof entirely. If someone breaks in and steals most of your high-end belongings, you want to file a claim so that they take care of replacing everything that was stolen.

It’s much easier to pay the deductible on a home insurance policy than to be financially responsible for everything on your own.

Ease of Getting Repairs

Repairs and replacements are expensive, and this means that you may have to wait a while in order to have the money to get the work done. However, if you have home insurance, you can file a claim. The insurance company will take care of the bills, allowing you to schedule repairs much faster.

For more information about home insurance and to get quotes for premium comparisons, contact us at Stonewall Grace Insurance today.

How to Ready Your Home for the Next Winter Blast

Winter has officially arrived. Is your home ready?  Buena Vista, VA can experience winter storms that can be dangerous to you and your family if you are not well prepared.  At Stonewall Grace Insurance, we want all of our clients to be safe and warm this winter.  Use these tips to help ready your home for the next big winter blast.

Preparing the Exterior of Your Home for Winter

Since we often get snow in the winter in Buena Vista, VA, it is a good idea to hire a contractor to check your roof structure.  Make sure that it has the ability to sustain a heavy amount of snow or ice.  It is also important to repair any roof leaks and clear gutters of debris.  Make sure tree branches are trimmed so that they do not fall on your roof or any other nearby structures during a strong storm.  Also, have the chimney inspected, cleaned and cleared of debris or bird’s nests before using it.

Tips to Prepare the Inside of Your Home for Winter

Winterize your windows and exterior doors by replacing caulking and weather-stripping to prevent cold air from seeping inside your home. Check the insulation in the attic and replace or add to it if need be. Install carbon-monoxide detectors that are either battery operated or have a battery backup to detect any accumulation of this potentially deadly gas. Also, check your smoke alarms and replace batteries if need be. And make sure that everyone in the family knows how to use the fire extinguishers. Finally, if you know that a freeze is coming, wrap your water pipes and allow the faucets to drip. At Stonewall Grace Insurance, we hope everyone has a safe and warm winter.  

Why You May Want to Review Your Homes Insurance Policy in Buena Vista

Accidents in Virginia do happen, and it only takes a little bit of damage to make a homeowner miserable. Furthermore, you may be unaware of just how little your current home insurance policy covers. Stone Grace Insurance can tell you more about why you might want to reconsider your home insurance, so you can live a safer life in Buena Vista, VA. 

Separate Issues 

Too often, news comes too homeowners too late after a disaster hits. Not every event is covered, even though many people will still look to their insurance company if there’s a theft, a flood or an act of vandalism. These things are treated as separate entities, so you may want to look over your policy just to make sure that you’ve thought through the consequences — especially if you’ve chosen to forego protection against specific circumstances. A policy that’s worth having will account for not just the most likely scenarios to happen to you, but also ones that you may not even have thought of yet. 

A Fighting Chance

Stonewall Grace Insurance is here to make sure you have a policy that will actually function when something goes wrong. The shock of finding out you are unable to get the help you need is something we’ve seen happen too often. Instead of being a victim, talk to an agent who can answer your questions about what will happen if there is a natural disaster in your area. Your possessions are absolutely worth saving, and we can help you do it. Having a realistic view of the situation gives you a chance to make a game plan about what you’ll do to protect the people and property within your home. Giving us a call today puts you in the driver’s seat, so chat with us more about how Stonewall Grace Insurance serves Buena Vista, VA with pride. 

 

5 Steps to an Easier Moving Day

Most people dread moving day, and it’s never going to be any fun. However, with a few simple steps, you can make the dreaded day just a bit easier.

Step #1 – Have a Great Packing Kit

Start out by making sure you have a kit of everything you’ll need for packing. This kit should include different types of duct tape, permanent markers, pens, some scissors, a snack, a notebook, and some water. You’ll find all of these things handy before and on moving day.

Step #2 – Ask Around for Boxes

You’re already blowing a lot of money on your move, so don’t spend more money on moving boxes. Instead, talk to people you know to see if you can get some free boxes. Many hardware stores and grocery stores are happy to give away their empty boxes.

Step #3 – Keep Track of What You Pack

It’s easy to write a generic label on a box and then you have no idea where the bedding ends up when you’re ready to unpack. Make moving day easier by keeping track of what you pack in a notebook. Give every box a number and write down what’s in the box in your notebook. This way it’s easy to figure out where everything is.

Step #4 – Have a Special Box for the First Night

You probably don’t want to unpack everything to find what you need for that first night. Make it all simple by packing a special box for the first night. Make sure you have all the essentials on hand, such as toothbrush and toothpaste, toilet paper, change of clothes, towels and washcloths, and cups.

Step #5 – Use More Than Boxes

Don’t get stuck in the rut of just using boxes. Many items can be packed in garbage bags, such as bedding, pillows, pajamas, and other items that don’t need to be kept wrinkle-free or stored flat.

Once you move, it’s important to ensure your new home is insured. Find out about your home insurance options by contacting the Stonewall Grace Insurance group today.

Homeowner’s Insurance for Buena Vista, Virginia Lifestyle

Buena Vista, Virginia is home of America’s finest, natural locations. Both locals and visitors often relish in the area’s Blue & Grey Heritage Tours, spanning across several, wonderful, locations. Global Travel International has served the area for decades, facilitating both growth and exploration. Often, homeowners venture towards Boxerwood Gardens, near Boxerwood area neighborhoods, to witness the state’s lush collection of national wildlife and gardens. Regardless of visitation reasons, newcomers are urged to contact the local Visitors Center for news, updates and annual event information.

Individual Homeowner Options

Where tourist attractions, daily excursions and family living are considered, however, many access homeowners insurance to maintain high lifestyle inclusions. As your independent insurance provider, we’re ready to assist any concerns and innovative approaches to local insurance areas—providing solutions to common structural concerns.

The National Association of Insurance Commissioners guarantees homeowners protection from undue damage within households. While the state’s laws may vary on a situation-to-situation basis, many area damages are covered, including the following:

  • Foundation
  • Porch
  • Windows
  • Entryways
  • Outdoor decking

Protecting the Household through Preventative Measures

Sinking foundations and mortgage coverage aren’t necessarily exclusive to one another, and a mortgage may require financial assistance when supporting household damages. Where natural damages and degradations are considered, our personal agents assist individuals with financial options and aid.

Options and Inclusions

Typically, various options exist to support an individual’s dwelling—capable of alleviating damage expenses while supporting additional structure installations. Similarly, personal property is often accommodated for, including the following areas:

  • Personal liability
  • Physical possessions
  • Legal liability
  • Loss of use

Repair times are often covered, too, though personal situations may not accommodate for loss of use during repair sessions. Individuals are urged to contact our services when selecting a plan, due to various insurance coverages adhering to state legislation. For more information, contact us today, and explore a variety of options available to the area’s loving community.

Virginia Storm Damage Protection for Your Home

No matter what lifestyle you are seeking, Virginia is a terrific place to call home. You can select the salt life of the Southeast, choosing to live in the Virginia Beach Area. You may choose to live in the bustling Washington D.C. area of Arlington. You can catch a NASCAR race at Bristol or spend the weekend in the mountains along the state’s Northern edge. We have our big cities and we have our tiny towns. We also have our fair share of damaging weather.

While many from the Northeast part of the U.S. move here to take advantage our more moderate climate, we can still experience a storm any time of the year. Winds from a rain or snow storm can cause damage to a roof and that’s when you’ll be glad you have your homeowners insurance. Roof damage can be very expensive, especially if rain or melting snow has gotten underneath your shingles. This can cause damage to the roof’s decking and perhaps even inside into your ceilings. Homeowners insurance will likely cover that damage.

As an independent Insurance agency in Virginia, we are pleased to offer loss prevention products for a variety of insurance companies. And now, you can now get comparative quotes online, right from the comfort of your home. Simply log onto our website and fill out the online quote form. Once submitted, our system gathers information from companies willing to compete for your business. You will soon have multiple quotes from differing insurance companies. Choose the homeowners insurance policy that is just right for you and your budget. Our online system also allows you to get comparative rates on your car insurance to save even more money.

Be prepared for any storm that may be heading your way. Get your free comparative auto and homeowners insurance quotes today!