Insurance

Getting Health Insurance Coverage in Buena Vista, Virginia

Posted on by AgentInsure

Buena Vista, Virginia is a stellar place to raise a family away from the hustle and bustle of the city. The Blue Ridge Mountains provide a scenic border to the area, while the Maury River gives you an excellent recreation spot during warmer months. Health insurance provides you with a way to stay healthy enough to enjoy the natural vistas and untouched forests this area is known for.

Health coverage for yourself and your spouse doesn’t have to take up a significant chunk of your budget. Look through health insurance options to know how to bring down your costs without sacrificing your health insurance coverage.

The biggest impact on your insurance costs is whether you have a high deductible or not. A high deductible means you have more to pay before the insurance company begins providing coverage for your medical issues. Exceptionally high deductible policies are called catastrophic coverage, which gives you coverage for major medical problems. If you want a policy for more routine medical bills, you’re going to pay higher monthly premiums but a lower deductible overall. Some plans don’t have any deductible at all, although you may need to pay co-pays for doctor visits and prescriptions.

When you have health insurance, you need to check that your preferred doctors participate with that particular type of insurance. Not all doctor offices support the same insurance companies, although the companies often have lists of providers who work with them. If you have a question about your health insurance coverage for yourself and your spouse, our local agents in Virginia are happy to guide you through your decision making process and provide you with all the information you need.

The Other Coverages Renters Insurance May Provide

Posted on by AgentInsure

One of the main protections included in renters insurance policies is coverage for your personal belongings, which may include your kitchen table, laptop computer, and wedding dress (each policy has its own limits, conditions and exclusions). This is not the only protection that renters insurance affords, however. In addition to protecting your possessions from common perils, renters insurance can also protect you. Here are some of the ways a renters insurance may provide you with valuable protection.

Coverage That Protect You

If you compare several renters insurance policies, you’ll find that the additional coverage options they include varies widely. Some will have many supplemental coverage, while others may only have a few — if any. The following are a few of the more common additional coverage:

  • medical payments coverage, which is intended to help pay for medical expenses that arise from an injury a guest sustains while visiting you
  • additional living expenses expenses, which provides financial assistance if a covered peril makes your home uninhabitable
  • liability coverage, which affords protection if you’re found liable for a covered incident
  • property damage to others coverage, which may pay for damage you cause to another’s physical property

In a renters insurance policy that has these coverage options, each of them will be governed by specific terms and conditions found in the policy. These details may vary from policy to policy. Therefore, it’s important to review exactly what these coverage options provides you when selecting a policy.

Agents That Help You

For additional help understanding the different coverage included in renters insurance policies, contact us at Stonewall Grace Insurance. We’ve assisted many tenants who live in Buena Vista, VA, and our independent insurance agents would be glad to help you. You can reach us through our website or by calling us.