Reliable Senior Market Health & Life Insurance in Buena Vista VA

 If you are looking for reliable and affordable senior market health and life insurance in Buena Vista, VA, then you should definitely visit Stonewall Grace Insurance policies for your comprehensive coverage. Interestingly, you will find that the best insurance agencies do not usually involve copious insurance services for specific services. Rather, they will tend to cover the comparative simulative actions that are likely to happen to you and the possible covers you can get.

What does comprehensive senior market health and life insurance entail?

Comprehensive health coverage could involve a variety of life-threatening factors that are very likely to happen in today’s age such as accidents, chronic illnesses, special needs, among others. The most valuable item that you have as an individual is the ability to cater to your basic life needs. Comprehensive life insurance would enable you to cover most of the issues related to the stability of your health as well as that of your family.

Most individuals view life, health, and disability insurance as a cover that is only necessary for ill, aged, or disabled individuals. Nonetheless, it suffices to argue that every individual needs to at least consider enrolling in a reliable life and health insurance cover so as to help cover the treatment costs and recovery processes involved in the case that you or any of your family encounters any health hazards.

Who needs life and disability insurance?

Who needs life and disability insurance?

So who needs life and disability insurance? The aged or those living with disabilities? Not really. Life and disability insurance provide a source of income to people who may not be able to earn an income due to illnesses or accidents. That means anyone in Buena Vista, VA can purchase this policy to help stay financially secure. At Stonewall Grace Insurance, we believe that your earning power is the most significant financial asset in your life. That is why we would like to protect it at all costs.

Families with children with special needs

Depending on what type of insurance type you want, life and disability insurance can provide your child with special needs all the financial support needed in terms of hospital bills, therapies, medicine, and regular check-ups. This coverage also pays for the cost of hiring a caregiver in case your child requires full or part-time care.

If you are diagnosed with a chronic illness.

The primary purpose of life insurance is to offer some financial cushion in case you die. You can choose to buy term or whole life insurance, depending on your needs. Be sure to consider your family needs now and later in life. For instance, if you will have kids in college in the next ten years, you may want to ensure that their education fee is sorted with your insurance.

If you had an accident

If you had an accident that required you to be hospitalized, life and disability insurance could help cover for the lost earnings. This policy also applies to a long term disability or chronic disease. The employee will be set on paid sick leave. At Stonewall Grace Insurance, we recommend buying enough insurance to help provide for your family as well as pay the related medical needs.

Life & disability insurance is a helpful financial tool for any family. Feel free to visit us at our Buena Vista, VA offices, and we will be happy to help you.

Why should a business owner in Virginia invest in commercial insurance?

If you are going to own a business of any kind, finding the right location to operate out of is very important. One city that offers a lot of opportunities to small business owners in Buena Vista, VA. If you are going to open a business in this area, you could do well if you work hard, have a good idea, and mitigate risks as much as possible. One way that a business owner could protect their company is by investing in a commercial insurance policy.

Ensures Full Compliance

One of the reasons why a business owner should get a commercial insurance policy is that it will help them to comply with all of their requirements surrounding insurance. A business today may need to satisfy insurance requirements set forth by lenders and investors. Further, they may need to have workers compensation insurance if they hire a certain number of employees. When you get a commercial insurance policy, you are going to receive the coverage that you need to stay in compliance.

Provides Necessary Protections

You should also get a commercial insurance policy as it can provide you with necessary protections. With a full commercial insurance policy, you are going to receive business liability insurance coverage and insurance to protect your company’s assets. All of these forms of insurance could prove to be quite valuable in the future. 

If you are going to purchase or start a business in the Buena Vista, VA area, it is clearly very important that you get a full commercial insurance policy. Since there are complexities with picking this type of coverage, you should work with Stonewall Grace Insurance. The team at Stonewall Grace Insurance can help you to build a policy that will provide you with the right coverage for your situation. 

What Does Renters Insurance Cover?

When filling out the application for your new apartment your landlord will likely ask if you have some form of renters insurance. Some might even require you to have this insurance before renting to you. Renters insurance is something you absolutely need to consider, as it doesn’t cost much per month, and, in the end, it will protect you from buying new items out of pocket. But what exactly does renters insurance cover? Here at Stonewall Grace Insurance we are here to answer all your renter’s insurance questions. So whether you live in Buena Vista, VA or the surrounding areas, we are here to help. 


Probably the most common items insured are electronics. This can range from a home entertainment system to computer hardware, video game setups, and just about anything else in between. 

Jewelry and Clothing

Whether you have jewelry, designer purses, or clothing, you can insure it all with renters insurance. This way, you won’t have to pay out of pocket to replace everything that might be stolen or damaged. 

Other Valuables

If there is anything you want to insure, such as a comic book or action figure collection, you can protect it with renters insurance. There is almost no limit to what you can protect. 

Protect Your Belongings With Renters Insurance

In the event of a fire, the landlord’s property will be protected, but your valuables are not. Even if someone breaks into your apartment your belongings might not be protected. That is why you need renters insurance. From valuable comic books to an entertainment system, our staff here at Stonewell Grace Insurance is here to help you with your renter’s insurance needs. So, if you live in or around Buena Vista, VA, give us a call. We’ll help make sure you’re properly insured. 

Can You Change Your Home Insurance Provider Mid-Policy?

There are many things to consider when shopping for home insurance. In some instances, you may make a purchase initially that you feel fits your current needs, only to have a change of mind during the effective term of the policy. 

Home Insurance Changes

If you have home insurance currently in place and change your mind about your provider mid-term, you have options. First, find the type of coverage that fits your needs and make sure that it is in place before canceling your other policy. Once the new coverage is in effect, cancel the policy and work with an agent to make the process smoother and to have someone to answer your questions along the way.

Ideal Home Coverage

In order to protect your investment, you need ideal home insurance in place to prevent gaps and losses if there is a covered event. Never leave your home without insurance coverage, even if it’s just for a few days. You should also seek the assistance of a knowledgeable insurance agency like Stonewall Grace Insurance, serving the residents of Buena Vista, VA. They have the insight and experience to help homeowners navigate the sometimes complex world of home insurance coverage. They are ready to help before, during, and after the purchase to provide comprehensive protection and peace of mind for their customers. 

Anyone who is currently shopping for new, better home insurance coverage are encouraged to call or stop by Stonewall Grace Insurance, serving the residents of Buena Vista, VA and speak with one of their friendly agents. They can offer solutions to current home insurance issues and help sort through policy options to get the protection that works best for your situation. 

Car Broken Into? What To Do Next

Car Broken Into? What To Do Next

You walk out of your house in the morning to see a shocking sight: your car window is broken, and your belongings are scattered about inside your vehicle. You’ve been the victim of a car break-in. While alarming, car break-ins are common. It’s important that you take careful next steps to ensure that you get the help you need in recouping the value of the things you’ve lost. At Stonewall Grace Insurance, serving Buena Vista, VA, our agents are here to help you get the coverage you need for your car. 

If your car has been broken into, the first thing you need to do is call the police to file an incident report. Depending on the standard operating procedure in your area, the police department may or may not send an officer to your home. 

If an officer is being dispatched to the scene, do not touch anything in the car or attempt to clean up any mess. The officer may want to take photographs before you begin to look through your belongings. 

After you’ve filed a police report, call your car insurance company to file a claim. They’ll be able to advise you on how to go about getting money for your belongings to be replaced. You may also want to talk with you renter’s insurance company to see if they’ll cover any of the cost of missing items. 

Call Stonewall Grace Insurance, Serving Buena Vista, VA

Car break-ins are an unfortunate part of life, and it’s important to be prepared before such an incident occurs. Call or stop into Stonewall Grace Insurance, Serving Buena Vista, VA, to learn more about how we can help you get the right auto insurance policy for your needs.

What are the benefits of Senior Market Health Insurance in Buena Vista, VA?

When you are trying to find the best health insurance in Buena Vista, VA, there are a lot of important considerations. You need to make sure you get the coverage you need and that you can count on it when you need it. You are also probably going to try to get the best price you can.

If you are within the age range of being a senior citizen, you might want to consider Senior Market Health Insurance instead of a traditional policy. There are some advantages you may not know about. At Stonewall Grace Insurance, we want to make sure you have all the information necessary before making your choice.

With Senior Market Health Insurance, coverage for seniors is guaranteed. You don’t have to worry about passing a physical before your application is accepted. It may cost more depending on certain factors, but you will be able to get coverage. Senior coverage also allows for pre-existing conditions. You won’t get penalized because of a condition you already have. Also, rates are capped with Senior Market Health Insurance. Considering that most seniors are on a fixed income, it helps to know from the start that your monthly rate will never go up. 

Senior Market Life Insurance can also be very helpful for seniors, as it provides for end-of-life expenses, such as a funeral and debt settlement. If you haven’t already taken care of that, your loved ones will be grateful if they don’t have to worry about that during their grief.

Do you want to make sure you have the best health insurance for your personal needs? If you live in Buena Vista, VA, call Stonewall Grace Insurance so we can help you explore your options.


What are a life and disability insurance cover?

Life is unpredictable, and unexpected life-altering events can happen at any time! A life insurance cover is a contract with an insurance company to pay a sum of money to specified beneficiaries upon the demise of the insured. It is chosen based on the needs and goals of the owner. It provides financial protection to surviving dependents after the death of the insured. It is essential to analyze the living standard you wish for your loved ones after your demise before choosing a policy.

In Buena Vista, VA, choosing the right insurance agency will save you time and money. Our trusted Stonewall Grace Insurance agents will keep your best interest at the forefront and ensure your family is protected.

The disability insurance policy covers the policyholder earned income against the risk that a disability could create a barrier that could prevent him from carrying out the core duties of his work. This cover will provide income in the event where due to disability, a policyholder is unable to perform income-generating activities. There are two types of disability insurance cover; short term and long term. The short term insurance benefits cover pays its benefits for a period of up to six months while long term benefits pay its benefits until the policyholder can resume work.

In Buena Vista, VA, Stonewall Grace Insurance agents will offer you a customized life and disability insurance to the convenience and personal touch of clients. Being proactive in safeguarding your loved one’s future while protecting yourself is a smart move that assures you of peace of mind. Stonewall Grace Insurance agents will work with your budget and situation to meet all your life planning and insurance needs. Visit our website today, or give us a call!

Is Your Business Protected for the Holidays?

Most business owners look forward to the holiday season to boost sales. A greater influx of customers, however, makes you more vulnerable to holiday theft, damaged goods and liability claims due to accidents on your business property. Commercial insurance from Stonewall Grace Insurance can protect your Buena Vista, VA business against these and other risks that can ruin your holiday season. Here’s how a commercial policy can protect your business during the holidays.

Liability Claims

Icy doorways combined with increased foot traffic could lead to slip and fall injuries on your business property. If a customer gets hurt in an accident while visiting your business, general liability insurance will pay his medical costs. If the same customer sues for damages, general liability insurance will cover your legal fees and settlement, up to the limits of your policy. Professional liability coverage protects you against claims of negligence in the services or products your business provides.


If you hire seasonal help during the holidays, there’s always the risk of employee theft. Part-time workers may not be as loyal as your fulltime workforce. This could lead to them stealing cash or products during the busy season. Commercial crime insurance can protect your Buena Vista VA business against employee theft, forgery, computer fraud and more. 

Business Equipment

The holiday season is the worst time for you to suffer theft or loss of your business equipment due to fire or another disaster. If your equipment is damaged or stolen during the holidays, commercial property insurance will cover repair or replacement costs to save you from financial loss.

These are just a few ways commercial insurance protects your business interests during the holidays. To learn more about commercial coverage options and costs, contact Stonewall Grace Insurance in Buena Vista, VA.

The Five Top Reasons You Must Have Renters Insurance

Like many Americans, you may find ever-increasing rents to be daunting, and in order to save money, you may consider opting to skip purchasing renters insurance coverage for your belongings. But, how will you protect yourself and your possessions in the event of a fire, theft, or another disaster? 

Here are five good reasons why you absolutely need insurance coverage for your Buena Vista, VA rental. 

Protection for Your Personal Property 

Many renters mistakenly believe that their rental home, apartment, or condo is covered by their landlord’s property insurance. However, according to recent insurance surveys, 68 percent of renters between the ages of 23 to 35 would have to pay an estimated $5,000 in order to replace their possessions after a fire, break-in, or other unfortunate events. Can you afford to cover that out of pocket? 

What Does Renters Insurance Cover? 

A standard renters insurance policy will provide protection for your personal belongings against listed perils such as theft, fire, and vandalism. If you have a taste for antique furniture, art, advanced electronics, jewelry, or collectibles, you should talk to your Stonewall Grace Insurance agent about additional insurance to protect your high-end valuables.  

Additional Coverage Away from Home 

There may be other benefits included in your coverage. Depending on your policy, you may be covered in the event of a loss that occurs off-premises. For example, if you’re at a coffee shop and someone steals your expensive laptop and high-definition headphones, you may be able to file a claim for the stolen items. Some policies will also cover belongings kept in a storage facility. 

Liability Protection 

If your dog bites your neighbor, or a friend slips and falls off your porch, you may be held liable in a lawsuit. If a court finds you liable, your rental insurance policy will cover the cost of medical payouts, as well as replacement costs for damage or loss to other parties that occur at your rental property. 

Affordable Loss and Liability Protection 

The majority of basic rental insurance is often less than the cost of a pair of movie tickets each month. You may also find potential savings if you: 

  • Have a security system in place 
  • Have fire-protection devices 
  • Belong to a special interest group such as an alumni association or labor union 
  • Have an existing auto insurance policy 
  • Have special statuses such as senior citizen, military, or college student 
  • Maintain a claim-free policy for a specific period of time 

Greater Rental Opportunity Options 

Investing in renters’ insurance may expand your rental options, as more and more landlords are requiring that their tenants carry renters’ insurance. By shopping in advance for a renters insurance policy, you’ll have more rental choices. 

For more information about how renters insurance protects you and your property, call the Buena Vista, VA insurance experts at Stonewall Grace Insurance today.