When you begin your first job out of college or trade school, marry, and start a family, the last thing you are likely to think about is dying or suffering a permanent disability that might prevent you from working. But, as Stonewall Grace Insurance, serving Buena Vista, VA notes, death and injury can happen to everyone, even the young and the vigorous, as well as the old and infirm.

A life and disability insurance policy will provide, if nothing else, peace of mind that if something does happen to you, your family will be taken care of. Your not being around or being unable to work, with the attendant medical bills a disability implies, will result in a lot of financial obligations. If you have bought a house, the payout from insurance policy will help with the mortgage. Your children’s education can be taken care of. Of course, your final expenses, including the cost of a funeral and settling any debts, such as a car note or credit card balance, can be dealt with as well.

No one likes to think about death or injury at a young age, which means that younger people often do not even think about life and disability insurance until they are older. Sadly, your younger years are the perfect time to get such a policy. Your premiums are likely to be much lower than if you wait until you are middle-aged or even elderly.

For more information on the life and disability insurance and how such an investment may be suitable for you, feel free to contact Stonewall Grace Insurance serving Buena Vista.

Commercial auto insurance in Buena Vista, VA is a policy that is designed for vehicles used for business purposes. Depending on the business, you could need higher liability insurance or additional coverage add-ons to be fully protected. Personal drivers don’t have many of the same car insurance concerns that business do, so they need a different policy.

Businesses will usually have higher liability issues and need higher liability insurance requirements, since businesses will deal with work equipment, employees, and passengers. You need a commercial insurance policy if you are using a vehicle to transport people or goods for a fee, or if you are using your vehicle to perform a service.

A commercial auto insurance policy will generally cover many of the same major things that private individuals purchase, but it will usually have higher limits. There are more add-ons as well that are suited for commercial driving. Coverage will include employees, the business, and equipment. An agent at Stonewall Grace Insurance can help you determine how much coverage you need.

You must meet the state’s liability insurance requirements and these coverage limits may be higher than for regular vehicles. If you don’t own the vehicles you are using for commercial purposes, then you may also have to have collision and comprehensive coverage, which could be required by your lender. There are also other types of insurance to consider. Underinsured and uninsured motorist coverage will help protect you if you are involved in an accident with a person who doesn’t have enough insurance or no insurance at all. Personal effects insurance can provide coverage if your or an employee’s personal belongings are stolen. This coverage is usually only up to a certain amount. Emergency roadside insurance can help if you are stranded on the side of the road and can include tire changes, fuel delivery, and battery services.

Contact Stonewall Grace Insurance, serving Buena Vista, VA, to get a quote on commercial auto insurance. 

 

There’s no question that Buena Vista, VA is a great place to live, work and play. If you are living here and renting a house or property, you need to take steps to protect it. One of the best ways to do this is by purchasing renters insurance with the help of Stonewall Grace Insurance.

Believe it or not, this process doesn’t have to be difficult or overwhelming. Keep reading to find some helpful tips about buying renters insurance.

Compare Quotes

One of the first things you should do when purchasing renters insurance is to compare quotes. Take some time to get quotes from several different insurance companies and then compare them line by line to see which one offers the most value. This will pay off and help you make the most of the money you spend on the policy.

Bundle

Another important tip to help ensure you get the best renters insurance policy is to bundle your other policies. For example, do you already have car insurance or life insurance with another company? If so, see if they can give you a discount by adding your renter’s policy, too. In many cases, this can help you save a significant amount of money on all of your premiums.

Use a Reputable Agent

One of the best things you can do when buying renters insurance is to use the services of a reputable agent. They will be able to review your needs and ensure you get the policy that best suits you. In the long run, this will help you get the coverage you need for a price you can afford.

If you are ready to purchase renter’s insurance in Buena Vista, VA, contact Stonewall Grace Insurance. They can help you get a policy that meets your needs.

Your car is a very important asset and may be a necessity in order for you to get to and from work and other places you need to be. When you are looking for insurance on your car, you will likely find that Buena Vista, VA car owners are only required by law to carry liability insurance. While a basic liability insurance policy is all that is required by law, it often does not provide enough coverage. Instead, you may need to get comprehensive coverage. 

Required By Lender or Lessor

If you have purchased the vehicle using a loan, or are leasing the vehicle, you will undoubtedly need to have a full comprehensive insurance policy. Lenders and lessors will want to make sure that their collateral is properly protected. The comprehensive policy will provide you with protection against theft, vandalism, and a variety of other issues. 

Big Investment 

Another reason why you will need to have a fully comprehensive policy is that it is a big investment when you buy a car. Next to the home that you buy, your car is the biggest purchase an investment that you will ever make. Due to this, you will want to make sure that you have it properly protected. Getting a full collision and comprehensive policy will ensure that you have the necessary insurance coverage that you need to protect your vehicle.

When you are looking for an insurance policy in the Buena Vista, VA area, you should speak with the Stonewall Grace Insurance company. When meeting with the team at Stonewall Grace Insurance, you will receive feedback and support to fully understand your insurance needs. This will help to ensure that you are able to pick a policy that will give you enough protection and peace of mind. 

 

So you have decided that it is time to rent your own place in Buena Vista, VA? Have you thought about how you are going to protect all of your belongings? One big mistake that a lot of renters make is that they think that the home insurance that the owner of the property has will offer them some type of protection. This could not be further from the truth and is exactly why here at Stonewall Grace Insurance, we always recommend that renters get their own insurance. 

You can do this by getting renters insurance. This type of insurance is designed to actually protect the renter and everything that is kept in the property by the renter. The insurance that the owner has will not offer any coverage except for the structure so it is up to you to get coverage for your personal items. The great thing about this type of insurance is that it is relatively inexpensive so if you can afford to rent a property then you can afford to get renters insurance. The last thing you want to do is not have protection for everything that you own as well as no protection if there is any damage to the property. 

If you are renting a home or even an apartment, you need to have renters insurance. Some property owners will even make it a requirement for living there. Be sure to reach out to us here at Stonewall Grace Insurance, serving Buena Vista, VA, to get started on your quote today. We will make sure you have the proper amount of coverage based on the items that you own that will be in the property and will even work to make sure you get the lowest possible price. 

Senior health insurance policies are specifically tailored to meet an individual’s current and future health needs. It is therefore important to review your current health plan so that in the later years of your life, all your health needs will be taken care of without any financial burden. Taking a senior cover that best suits you is thus a beneficial aspect.

Choosing an affordable and reliable health insurance for seniors can be overwhelming; nevertheless, there are a number of factors to consider before you make an informed decision as elaborated by Buena Vista, VA, Stonewall grace insurance:

• The cover offers private health insurance

When a person grows old, he/she becomes prone to a wider range of health problems which means you are more likely to be in need of medical treatment. Having a private health insurance saves you the cost and hustle of traveling in search of treatment.

In addition, most basic health insurance covers do not provide the option of choosing a specific specialist or the comprehensive level of unique cover you may need as a senior like spinal or cardiac procedures.

With private health cover for seniors, you are also able to skip the long waiting lists and with the option of preventative treatment, you can maintain your quality of life through making use of the available preventative therapies which are helpful to keep you in good shape for a longer period of time.

• Coverage options

A senior health insurance policy has more value than the basic health insurance since it covers all the common health conditions that affect seniors plus extra covers depending on your specific needs for example; occupational therapy to help you cope with daily tasks.

As an affordable provider with a wide range of plans to compare, choose and buy from, Buena Vista, VA, Stonewall grace insurance guarantees a great policy for you.

If 2018 is going to bring in changes for you, big or small, it may be a good idea to evaluate your life insurance policy to see if it should reflect them. Obvious changes like buying a home or having a child may change your needs, but many people do not realize other situations that warrant the need to assess your life insurance policy often.  At Stonewall Grace Insurance we can help you asses which situations call for a change so your life insurance policy serves you best at all times. Serving Buena Vista, VA and the surrounding areas. 

Situations that may call for a change to your policy.

• Improvement in health can improve your life insurance situation. Did you lose weight this year? Did you quit smoking? There are factors may be able to reduce your premiums or increase your policy. 
• Reduction of income. Did you lose a job or take a pay cut? You may want to reduce your life insurance policy accordingly until things improve. 
• Increase in income or assets. If your income increases you may want to also increase your life insurance policy. It may be more difficult for your family to keep up expenses at the previous amount. 
• Marriage or an additional family member usually warrants a change in your policy. After all, more dependents typically mean a variation in your financial situation. 

Contact us at Stonewall Grace Insurance serving Buena Vista, VA and the surrounding areas for a quote on a new life insurance policy in 2018, or to review your current policy to make sure you are getting the best for your money. 

Business owners in Buena Vista, VA need to fully protect themselves from financial loss if an accident occurs. A liability lawsuit can be devastating to a business causing traumatic financial loss. The agents at Stonewall Grace Insurance can help business owners understand the importance of having the right type of commercial coverage for their business.

What Happens If A Lawsuit Exceeds the Limits of My Commercial Coverage?

If a person is injured and they are awarded a settlement that exceeds the amount of your current commercial policy, you may have to think about selling off assets, or even the business itself, to cover the additional cost. While the ruling may be appealed, it can spell disaster for a small business that has limited financial resources. Even if you have an ample amount of coverage, the fact is, there are times when it’s just not enough.

The Benefits Of An Umbrella Policy

If you are unsure of whether or not your coverage will be enough to cover a person’s injuries, you may want to consider adding an umbrella policy. An umbrella policy adds an additional layer of coverage to protect you from financial loss if your current commercial coverage isn’t enough.

The agents of Stonewall Grace Insurance can offer sound advice to their customers who own businesses in the Buena Vista, VA area. If you have questions about the amount of liability coverage you have for your business, contact the office today for a complete evaluation of all of your policies. They will help you determine if you are adequately covered or need to increase the amount of your policy.