Should Virginia renters get renter’s insurance?

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Those that are in the Buena Vista, VA area will want to make sure that they pick a good housing option for their situation. For many here, becoming a renter is a good choice as you will have fewer maintenance obligations and have more long-term flexibility. If you want to rent a home, getting a renter’s insurance plan is a good idea. A renter’s insurance policy will be necessary for several reasons.

Coverage Needed to Protect Tenant

A primary reason to have renter’s insurance is so you can receive helpful protection. People that have renter’s insurance will receive several types of beneficial coverage. Some advantages of renter’s insurance include getting protection for all of your personal assets and receiving personal liability insurance support. If there is ever an accident or situation that results in a loss, renter’s insurance will prove to be a great investment. 

Coverage is Required Under Lease

You also will want to have renter’s insurance to comply with the requirements set in your lease. If you decide that you want to rent a home, it is very important that you fully review your lease. In many cases, your landlord is going to require that you get renter’s insurance and maintain the plan throughout the term of the lease. If you do not have this coverage, you could be in default and may even invalidate the agreement. 

People that are in the Buena Vista, VA area need to make sure that they are properly covered with renter’s insurance at all times. If you want to get this insurance support here, calling Stonewall Grace Insurance is a good idea. The professionals with Stonewall Grace Insurance know the value of this coverage and can offer you advice to build a plan that will give you ideal protection. 

What ISN’T Covered Under Homeowner’s Insurance?

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Although homeowner’s insurance can cover many things, homeowners should be aware of what’s not covered. Many natural disasters, as well as damage to your home caused by wear and tear and neglect, aren’t covered under homeowner’s insurance. However, it’s best to contact a Buena Vista, VA insurance representative from Stonewall Grace Insurance to answer any questions you may have regarding what’s not covered. Our team is standing by to answer any questions you may have. 

Natural Disasters
Homeowner’s insurance doesn’t cover floods, earthquakes, sinkholes, and earth movements. Also, depending on where you’re located, there may be other natural disasters that may not be covered as well. 

Normal Wear and Tear
Normal wear and tear, as well as the neglect of your home that results in rust, rot, and mold, is not covered under a homeowner’s insurance policy. Termites, as well as insect and rodent damage, are also not covered under a homeowner’s policy. Generally speaking, any damage or deterioration to your property that resulted from time, use, neglect, and lack of upkeep isn’t covered under your policy.

Other Exclusions…
Acts of war, government actions like seizure and eminent domain, and nuclear incidents aren’t covered as well. Homeowners should also note that any business in a separate structure located on your property isn’t covered under your homeowner’s insurance policy. Consult with an insurance agent to determine what type of insurance you would need to purchase to cover a business structure on your personal property. 
 
As a homeowner, you should familiarize yourself with your homeowner’s policy. There are many things that are covered under a standard homeowners policy. However, many things aren’t. What’s covered may even vary based on your location. There may be additional natural disasters, unique to your area, that aren’t covered under your homeowner’s policy. However, reach out to a team member from Stonewall Grace Insurance to answer specific questions regarding what’s not covered. We’re standing by.

Why Do Virginia Drivers Need Auto Insurance?

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In the state of Virginia, it is illegal to drive without proper auto insurance. Everyone on the road should be covered in the event of an accident. The agents at Stonewall Grace insurance can help car owners in the Buena Vista, VA area to ensure that they are fully covered to drive safely in Virginia. It’s crucial to make an informed decision on which policy is best for you, and that’s why relying on a quality insurance agency is key to protecting yourself on the road.

Coverage on an auto policy will vary from person to person and depends on several other factors, like your assets, dependents, and more. Driving, while a very common mode of transportation, can be dangerous and you’ll want to be fully covered in the event that something unfortunate happens. Remember that you can only control your own decisions and actions behind the wheel, and you can’t control others.

This is particularly true if you’re married, have teen drivers, or have other dependents. Protecting all the dependents in your life, not just yourself is another great reason to invest in quality auto insurance with a responsible, trustworthy agency.

Get the Required Auto Insurance

All car owners should have insurance. It’s as simple as that. If you are shopping around, looking for additional coverage, or simply want more information on your policy, contact the experts at Stonewall Grace Insurance in Buena Vista, VA. We are happy to help all drivers and their families get properly insured. Our team brings over 20 years of experience in the insurance sector, and we’re here to help residents in the Buena Vista area get set up with an auto insurance policy that will make them feel safe every day. 

Is It Too Late for a Senior to Get Life Insurance?

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In Buena Vista, VA, many older adults and senior citizens don’t get insurance because they think it is far too late and cannot get high-quality coverage. This misconception is understandable but troubling. We at Stonewall Grace Insurance try to discourage this belief whenever we can to help our customers get the life insurance policies that they want.

Seniors Can Still Get Life Insurance 

If you’re a senior who hasn’t bought life insurance yet, you still have time. While it is true that your options may be a bit less diverse and that you may have to do a little careful digging, it is still very likely for you to find some kind of policy that works for your needs.

And doing so will provide you with many benefits that will ensure that you don’t run into any issues as a person. These benefits include:

  • Payout for your children after you pass 
  • Help to handle your burial needs. 
  • Paying your debts if you have any left 
  • Handling any other financial needs

As a result, it is a good idea to reach out to an agent right away and learn more about what kind of options are available to you. While it might seem like you’ll end up paying more, you might not because there are many unique policy options available. For example, some companies decide to work directly with seniors to provide them with the kind of help that they need to take care of their financial situation after they pass away.

Do You Want Life Insurance?

If you live in Buena Vista, VA, and want life insurance that you can trust, please reach out to us at Stonewall Grace Insurance right away to learn more. Our team is ready to work with you to make it easier to handle your insurance needs and minimize any complications with your coverage.

A quick guide to purchasing life insurance

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Life insurance is a critical tool when it comes to protecting your family from financial difficulties. It provides financial assistance your family can use to cover essential bills — such as mortgages and car loans — in the event of your death. While it’s never pleasant to think about the need for life insurance coverage, planning ahead and securing the right protection is perhaps one of the kindest things you can do for your loved ones. 

Identify what you need to protect 

The first step in deciding what life insurance plan to purchase is to identify what you need to protect. Make a list of all your assets and debts. Determine how much money your family will require to take care of basic financial needs if they can no longer rely on your income. Many insurance policies offer different coverage options based on location — insurance regulations in Louisiana are different from those in places like Buena Vista, VA. An insurance agent familiar with the local market, such as Stonewall Grace Insurance, can brainstorm with you to ensure that you get coverage that works for your individual needs. 

Important factors to keep in mind

When selecting life insurance, there are several factors that can impact the type of coverage you choose and its ultimate cost. Many insurance companies take factors such as your age, gender and health into consideration when determining coverage options and rates. Most insurers require a physical exam of some sort as part of the application process. 

Give us a call! We’re here to help

There’s a ton of information available online when it comes to life insurance, and we at Stonewall Grace Insurance understand that it can be daunting to work through all the details to determine what kind of life insurance you need. We’re happy to provide guidance that can streamline the process and help you efficiently sift through the various choices. We proudly serve Central Virginia, including Buena Vista, VA — reach out today to get started. 

Required Commercial Insurance in Virginia

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When you own a business in Virginia, there are certain types of commercial insurance that you are required to have by state law. In addition, there are many types that can be helpful, although they aren’t mandated. If you need commercial insurance, contact us at Stonewall Grace Insurance in Buena Vista, VA.

Workers’ Compensation

This is an extremely important type of coverage that is required for all Virginia businesses that have three or more employees. This type of coverage helps to pay for the expenses incurred when a worker falls ill or gets injured while working in your business. This insurance provides for the medical bills that result from this as well as paying lost wages when necessary. It can also pay for any ongoing care needed after an accident or illness that happens while on the job. This protects your business from having to come up with all of these expenses if this should happen. 

Commercial Auto Insurance

This type of insurance covers vehicles that are owned by the business as well as those that are used for the business. It generally includes liability coverage, property damage, medical bills, an accident with an uninsured motorist. It is recommended that vehicles that are used for business purposes get this type of insurance, as a personal policy may not cover an accident that happens while the vehicle is being used for business tasks. 

Business Owners’ Policy

This is not a required type of insurance, but it is recommended for most small businesses. It includes a number of different coverage types that are important to have for business owners. It includes a number of types of liability coverage to keep your business well-protected. 

Get Your Commercial Insurance

If you own a small business, you need commercial insurance. Call us at Stonewall Grace Insurance in Buena Vista, VA.

Am I Covered If I Drive Someone Else’s Vehicle?

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Stonewall Grace Insurance understands that car owners in Buena Vista, VA, have been getting confused about who is covered in their insurance policy. Whether the insurance company follows the car or the driver has been a major issue of discussion. Without a detailed understanding of the auto insurance policy, it is worth noting that this issue has been confusing.

If you drive someone’s vehicle, your coverage depends on whether you have consent from the owner. That is why you need to understand permissive and non-permissive use. 

Permissive Use

Most of the auto insurance companies will cover the driver who is listed on the insurance policy. However, in the last few years, some insurance companies have expanded this policy to cover drivers allowed to drive the car by the owner.

Therefore, if you’re driving someone’s car with their permission, you will be covered by the auto insurance policy. However, it is essential to understand that some insurance companies may provide reduced coverage. 

Non-Permissive Use

When driving someone’s car, you need to understand the policy of non-permissive use. If you take the car without the owner’s consent, the auto insurance company will not cover any personal injuries or associated liabilities.

The same is treated as an incident where a thief steals the car and ends up colliding with other motorists and damaging properties. The car owner is not held liable. However, the owner of the car has the right to claim the damages to his car to cover for the vehicle repairs.

At Stonewall Grace Insurance, we’ve been dealing with the issue of permissive and non-permissive use in recent times. If you live in Buena Vista, VA, you can visit our offices if you have experienced such a scenario. As highlighted above, our insurance experts will take you through the process of permissive and non-permissive use and give you a reliable solution.

Will Home Insurance Cover Tree Removal?

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Tree removal can be a tricky subject when it comes to home insurance in Buena Vista, VA. Here’s what makes it sort of complicated: If you buy a home insurance policy through Stonewall Grace Insurance, or any agency, your insurance provider covers your home, they cover much of the property you have on the plot of land on which your home sits.

But, they don’t cover the land itself, and they don’t cover trees, bushes, and shrubs on the land.

So it essentially breaks down like this:

  • If a tree falls onto your home, then removing the tree will be considered to be part of the covered damages. After all, the repair crew can’t get to your roof to fix it until they pull the tree off of your house.
  • If a tree simply falls over after a storm and lands on your lawn, it might not have damaged any covered property. It may have broken an underground pipe, but that’s typically going to be an expense for the city to worry about.

Essentially, if you get lucky and the tree doesn’t hit anything, then it’s not your insurer’s problem.

Here’s the good news: There are plenty of people who would be willing to remove the tree for free if they can keep the firewood. So ask around before you call a cleanup crew.

If you have any questions about home insurance in Buena Vista, VA, or if you’re looking to get covered, go ahead and call Stonewall Grace Insurance, or get in touch through the Stonewall Grace Insurance website to see about getting a good deal on a great home insurance policy.

Required Auto Insurance in Virginia

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Virginia has its own state laws that determine how much auto insurance Virginia drivers have to have to drive legally. Vehicles in Virginia have many different types of coverage that are mandatory. If you aren’t sure that you have enough auto insurance, contact us at Stonewall Grace Insurance in Buena Vista, VA to speak with an agent about your insurance coverage. 

Bodily Injury

Bodily injury coverage is a type of coverage that pays for the medical bills of those who are injured in an accident. In Virginia, there is a minimum amount of bodily injury coverage that vehicles must have for a person who is injured. Then, there is another minimum amount required for all people who become injured. There is also an amount required for the bodily injury caused to uninsured motorists. This includes a required minimum for one person injured and another for all of the injuries that are caused during the accident. 

Property Damage

In addition to paying for injuries, your auto insurance must also pay for damage that is done to someone else’s vehicle. There is a required minimum amount of liability coverage for property damage. This does not cover your own vehicle, however. This type of insurance is required by law, but you can get optional coverage that will also protect your vehicle. Collision insurance is the type you need to cover repairs on your own vehicle. Comprehensive insurance is another optional type that can protect your vehicle from a number of potential dangers. 

Get Your Required Auto Insurance

If you don’t have all of the required types of coverage, or you want to add optional coverage types, contact us at Stonewall Grace Insurance in Buena Vista, VA to find out more about auto insurance.

What Are the Benefits of Senior Market Health & Life Insurance?

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Having good insurance coverage is one of the best ways to feel safe and secure. But it can be hard to know which policies to choose when you have a lot of options and need information. Our knowledgeable agents at Stonewall Grace Insurance can help you find the Senior Market Health & Life Insurance policy that’s going to be right for your needs. If you’re in the Buena Vista, VA area and have questions about this type of insurance, reaching out to us is the right step.

With the right information on these kinds of policies and the coverage options they provide, you can choose one with benefits that work for your needs and lifestyle. Often, these policies allow you to have the option to build equity that can be used for retirement or other options. That can add to the peace of mind you may have about getting older, and help ensure that you’ll have what you need once you retire and are looking to go out and have adventures in life. With a policy that fits your needs, you could have more security than you expected and the opportunity to do more in life, as well.

Reach out to us today, at Stonewall Grace Insurance. We can help you with the Senior Market Health & Life Insurance policy that meets your needs, and that fits with your plans and goals. If you’re in the Buena Vista, VA area we’re here to work with you on getting the right type and level of coverage. You don’t have to settle for less or be confused about the options you have. Our trained and dedicated agents will give you the information you’re looking for so you can find the right policy and get on with enjoying your life.