Will Home Insurance Cover Tree Removal?

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

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?

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.

Could You Benefit from a Combination of Life and Disability Insurance in Your Financial Plan?

Want to know if life and disability insurance policies will be of benefit to you and your loved ones? Many people don’t even think about getting these types of insurance, especially if they’re in great health. It’s in your best interest to speak with an agent at Stonewall Grace Insurance of the Buena Vista, VA area and get more information before making your decision.

Having a Financial Plan

Put a solid financial plan together so that you can have more of a cushion of security later on. When you have permanent life insurance, this means you can accumulate cash value in order to put wherever you want in your plan. This can be used as a college fund, retirement fund, or in case of an emergency situation. Its strength is in how flexible it is, so you can meet your goals and have protection if a worst-case scenario happens.

You can change your coverage at different times if need be. This is an ideal policy to have since it grows over time. There are various options for when you decide you want to use all or part of the funds in your life insurance, which depends on the company holding your policy.

Disability Insurance Coverage

When you have disability insurance, it covers in the instance you have an illness or injury that’s preventing you from conducting work tasks. Whether you are diagnosed with a disorder or have a sudden injury that leaves you unable to work or not up to your usual capacity. You’ll need the means to care for yourself and your family if this happens, and that’s where disability insurance comes into play. If you don’t receive disability insurance through work or it’s not adequate then it’s a good step to add this policy.

Stonewall Grace Insurance of the greater Buena Vista, VA area can assist you in getting set up with your life and disability insurance needs. If you have questions or concerns to address before you make an official appointment, feel free to contact us.

Why would someone want renters insurance?

Anyone that is going to move to Buena Vista, VA will have different housing options to consider. One great type of housing to think about is renting a home. If you do choose to rent a property here, you will have more flexibility and less responsibility. However, you do still need to have proper insurance. There are several reasons why someone in this area will need to have a full renters insurance policy. 

Renters Policy is a Lease Requirement

One of the reasons that people here will want to get renters insurance is that it is often a lease requirement. When you move into a new home, it is important to read your lease carefully. In a lot of situations, it will require that you carry a full insurance policy at all times. If you do not have this coverage in place, it could lead to a lease default.

Insurance Gives Important Coverage

Another reason that you will want to get renters coverage is that it gives very important protection. If you have leased property, you will want to have personal liability protection and coverage for your assets. A great way to get this protection is through a renters insurance policy as it will have all the coverage you need. 

If you do want to choose a renters insurance policy and you are in the Buena Vista, VA area, it will be important that you receive coverage that protects your assets and gets you into full compliance. As you are looking for coverage here, you should call Stonewall Grace Insurance. The team at Stonewall Grace Insurance can give you the support that is needed to choose a policy that will keep your properly covered and in full compliance at all times. 

3 Ways to Protect Your Business from Cyber Attacks

It might be tempting to think that because you run a small or medium-sized business that you are invincible from being the target of a cyberattack, but that’s not true because every business is at risk of being attacked. Consequently, hardening your defenses to help prevent a hack or data breach is imperative and three easy steps to follow are outlined below.

Know Your Data

Depending on the type of business that you operate, you may be privy to extremely sensitive data about your customers that could be tempting for a cybercriminal to attempt to steal. Consequently, being able to delineate between sensitive and non-sensitive data is imperative so that you can harden your defenses around the data most likely to be stolen. Examples of data that is often targeted include credit card information, social security numbers, health data, and Personally Identifiable Information. 

Train Your Employees

Training your employees on how to spot a possible social engineering attempt by a bad actor calling for information or not clicking a bad link in a phishing email is imperative and can save your company from potential financial ruin if a threat is detected in time by a front line worker. 

Cyber Liability Insurance

Most business owners are familiar with the two types of coverage that are mandated in nearly every state – workers’ compensation insurance and commercial auto insurance. However, what you may not know is that you can also purchase cyber liability insurance coverage which helps businesses pay for the damages associated with a cyber attack. At Stonewall Grace Insurance in Buena Vista, VA our knowledgeable team of insurance professionals can help determine the perfect commercial insurance policy for your business. We’ll take the time to answer your questions, address any concerns, and customize a policy that works for you. 

What isn’t covered by home insurance

When you own a home, protecting it from all the hazards out there is something that is on your mind. Most people aren’t insurance experts and that is why they have to count on an insurance agent to provide the best information and access to a wide variety of products. At Stonewall Grace Insurance in Buena Vista, VA, our customers come first and we are happy to share our years of experience.

Floods

Most people are shocked to realize that floods are not covered by home insurance but it isn’t. If you live in an area that is prone to flooding you should consider purchasing a flood insurance policy. It is easy and inexpensive. 

Moving earth

Moving earth covers a few different types of hazards. It includes earthquakes, mudslides, and sinkholes. All of these can be covered with the addition of an endorsement or a separate insurance policy. 

Negligence

It is reasonable for the insurance company to expect that you will maintain your house and if you know there is a potential hazard you will correct the situation. Negligence is handled on a case by case but chances are if they can prove negligence the company isn’t going to pay. 

Expensive items

If you have lots of expensive jewelry, works of art, antiques, or expensive electronics you will not be covered on a normal home insurance policy. You can get coverage for these items but it will need to be an endorsement that you add. 

When you are looking for an insurance agent you can trust to put your interests first, Stonewall Grace Insurance in Buena Vista, VA is the place to come. We have a team that will be there for you when you need us. Give us a call or stop by to set up an appointment for a free quote. 

Tips For Finding The Right Auto Insurance Policy

Car insurance is a must-have for all drivers. It is illegal to drive a car without proper insurance in the state of Virginia. However, it may be not easy to pick the right policy especially if it is your first car and you have never done it before. In order to help you make the right choice and an informed decision, here is the list of few tips prepared by Stonewall Grace Insurance serving clients in Buena Vista, VA. 

Choose the right deductible

Having a higher deductible will reduce the cost of your insurance but you will have to pay more out of pocket in the case of an accident. If you have a good driving record and you have not been involved in an accident, then it is better to pick a lower deductible, which means a higher premium. 

Compare rates from different insurance companies

Instead of buying the first insurance policy that you have found, take your time and shop around. Talk to at least three different insurance companies to figure out what they offer. Since every insurance company is different and may have a different method of determining rates, you may find a really good deal. 

Decide how much coverage you need

How much coverage you need depends on many factors, including your assets, how much out-of-pocket cost you can afford, how much you owe and own, whether you have dependents, and some others. 

If you are looking for auto insurance in Virginia and you need a trustworthy insurance agency, Stonewall Grace Insurance serving Buena Vista VA is your perfect choice.  The company has over 20 years of combined experience and provides any type of insurance service, including auto insurance. If you need help to choose an auto insurance policy that will address your needs, do not hesitate to give us a call and talk to one of our agents. ,

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.