Does renters insurance protect my belongings in case of natural disaster?

Surprisingly, many renters do not carry renters insurance. Renters insurance is surprisingly affordable and offers various protections. If you don’t have insurance, you must pay for any losses you incur out of your pocket. At Stonewall Grace Insurance in Buena Vista, VA, we can give you the information you need so that you can decide if renters insurance is right for you.

What Does Renter Insurance Cover?

Your landlord’s insurance protects the property where you are staying, but it does not protect the tenants’ personal belongings. That includes your furniture, any appliances you own, your electronics, clothing, and any other items you have in your home. Renters insurance may also cover items you leave in your car and will provide you with some liability protection if someone is injured while visiting you.

What Kinds Of Events Are Covered By Buena Vista, VA Renters Insurance?

This is important because you need to decide if your current policy has enough protection. An insurance policy is basically a contract that lists the kinds of events that are covered. Most renter’s insurance policies cover certain kinds of events. These include but may not be limited to:

  • Burglary
  • Vandalism
  • Electrical fire
  • Tornados
  • Hail
  • High winds
  • Snow damage (not related to flooding)

Unfortunately, flooding is a risk for anyone living in Virginia, and flood protection usually is not covered by regular homeowners’ or renters’ insurance. If you want protection in case of flooding, you must have a separate policy.

Protecting your Buena Vista, VA home is important. If you want to discuss your risks and compare policies, please call Stonewall Grace Insurance today.

Four Weird Things Your Home Insurance May Cover

Did you know your homeowner’s insurance may cover much more than the obvious things like theft, vandalism, and fire damage? To clarify what your home insurance policy covers, speak to your agent at Stonewall Grace Insurance, serving Buena Vista, VA. But in general, your policy may cover the following surprising incidents.

1. Damage to Outbuildings and Structures

These days, many homeowners have outdoor living areas, garden sheds, and detached hobby sheds. If these structures are located on your property, your home insurance policy may cover them. Look for a clause entitled, “Other Structures” or something similar, for details.

2. Temporary Housing Expenses

Sometimes, a home is damaged to an extent where temporary housing is needed during repairs. Many standard home insurance policies have a section called “Loss of Use,” where hotel expenses may be covered.

3. Pet-caused Injuries

Pets can’t always be controlled. If an incident occurs where your pet causes injury to another person on your property, you may be covered for that person’s medical expenses under your homeowner’s insurance. Again, talk to your insurance agent for confirmation and details.

4. Falling Objects

If your home is the victim of a weird phenomenon like a falling meteorite, burning remnants from an overzealous firecracker display, an out-of-control drone or airplane, or anything else falling out of the sky, the damage may be covered.

It’s important to understand precisely what your home insurance policy covers to get extra coverage if necessary. Consult with your insurance agent to learn more about your individual coverage needs.

Contact Stonewall Grace Insurance, serving Buena Vista, VA for home insurance coverage in Buena Vista and surrounding areas. We look forward to serving your issuance needs.

Four of the most important things to remember when you buy auto insurance

Motorists in Buena Vista, VA can get auto insurance from Stonewall Grace Insurance. Let us help you insure your vehicle so that you can enjoy peace of mind behind the wheel. 

The following are four of the most important things to remember when you buy auto insurance. 

There are numerous types of auto insurance to be aware of.

Motorists should know what the different types of auto insurance are. Liability, comprehensive, collision, and uninsured/underinsured motorist coverage are a few types of coverage to be aware of. You need to decide which of these types of coverage you want your policy to include. 

Policyholders need to pay deductibles on collision and comprehensive coverage.

The deductible on your policy is an important consideration. You’ll need to pay your deductible amount in full because you can get collision and comprehensive coverage expenses covered. That’s why you need to ensure your deductible is low enough to pay out of pocket. 

Many additional types of coverage can be included in an auto insurance policy. 

Other add-on coverage options include roadside assistance and rental vehicle coverage. You should consider adding these coverage types to your policy to make life more convenient if you get into an accident. 

Motorists should put proof of insurance in their glove compartment after buying a policy. 

Once you’ve bought a policy, please print your insurance card and put it in your glove compartment. If you get pulled over, law enforcement officers will want to see this card. 

Stonewall Grace Insurance is an auto insurance company in Buena Vista, VA. If you’re looking for coverage that meets your needs, call us for an auto insurance quote today and enjoy peace of mind on the roads!

Who needs to have a senior market health & life insurance in Virginia?

No matter what age someone is, having access to proper insurance is very important. This includes senior citizens in the Buena Vista, VA area, who will continue to have various insurance needs.

One type of coverage they will continue to need is senior market health & life insurance. There are multiple reasons why this coverage continues to be essential for seniors.

Access to Affordable Care

One of the reasons to invest in a senior market health & life insurance plan is to ensure you have access to affordable care. All senior citizens need to be assured that they can see a doctor, get prescription medication, and receive procedures when necessary. A full senior market health & life insurance can help ensure this is possible. With this coverage, you will have access to affordable care and access to a network of healthcare professionals. 

Life Insurance Benefits

Getting a senior market health & life insurance plan is also a good idea to ensure you have access to life insurance. Even as a senior citizen, having life insurance is important as you may need it to provide financial support. Fortunately, there are ways that you can obtain this coverage. This can ensure you can provide a death benefit to those you care about if you pass away unexpectedly. 

A senior market health & life insurance plan is very important for anyone in the Buena Vista, VA area. When looking for this type of coverage here, calling our professionals with Stonewall Grace Insurance would be a great idea. Our team with Stonewall Grace Insurance can offer any guidance you need to assess your insurance needs and build a plan to ensure your needs are met. 

How To Know If You Need Disability Insurance

The agents at Stonewall Grace Insurance know that the idea of becoming disabled and no longer being able to provide for you or your family financially is a big concern for Buena Vista, VA residents. Fortunately, disability insurance is a great way to protect yourself. But how do you know if you need it? 

You Have Dependents  

If you have loved ones who depend on the money you earn, like a spouse or children, you should have a disability insurance plan in place. This means that if you get sick or injured and can’t work anymore, the insurance will replace a portion of your income. 

You Live Alone  

You should also consider disability insurance if you live alone and have few to no other resources besides your own income. If you’re hurt or become ill and don’t have anyone else to rely on, you could end up with even more significant problems like losing your housing. 

You Work A High-Risk Job 

People who have jobs in high-risk fields like construction, roofing, or law enforcement are more likely to become disabled than people who work in offices or retail establishments. Disability can occur for any reason, but individuals who work in industries that have high injury and mortality rates also have a higher rate of becoming temporarily or permanently disabled. 

If you wait to get disability insurance in Buena Vista, VA, there might be a time when it’s too late, and you need coverage you can’t find. Stonewall Grace Insurance can help. Contact us today to learn more about how you can protect your family and yourself from financial strain if the worst happens and you or a loved one can no longer work a job.

Should I get commercial insurance in Virginia?

Owning a business can be a good option if you are looking for a new career path in the Buena Vista, VA area. This part of Virginia has continued to be a great place to own and manage a business, as there is a strong local economy and continued support for small businesses. If you choose to purchase a business here, you do need to get insurance for it. There are a lot of reasons to have a commercial insurance plan here. 

Comply with Obligations for Coverage

A critical reason someone should get a commercial insurance plan in this area is to comply with their coverage obligations. Anyone that is going to start a business in this part of Virginia will have some insurance requirements. Whether you take out a loan, raise money from investors, sign vendor contracts, or rent a building, you will have to maintain certain levels of commercial insurance. 

Receive Financial Protection

A commercial insurance plan is also a good idea as it will allow you to receive financial protection. If you choose to start a business in Virginia, there are always risks that you could experience a loss due to theft, vandalism, or being named liable for a customer loss. With commercial insurance, you will have coverage to mitigate such risks. 

Business owners in the Buena Vista, VA area need to take their commercial insurance needs very seriously. When you are looking for a new policy here, calling our professionals with Stonewall Grace Insurance can be a great idea. If you call our team with Stonewall Grace Insurance, it can offer any support you need to build a new plan. This can give you comfort to know that you will remain appropriately covered at all times. 

Understanding Your Renters Insurance Policy: Decoding the Fine Print

Renter’s insurance is a crucial investment for tenants, providing protection for their personal belongings and offering liability coverage in case of accidents or injuries. However, understanding the fine print of your policy can be daunting. At Stonewall Grace Insurance in Buena Vista, VA, we help you decode the fine print and better understand your renter’s insurance policy.

To better understand your policy, it’s essential to familiarize yourself with the key terms and coverage options. Renter’s insurance typically covers three main areas: personal property, personal liability, and additional living expenses. Personal property coverage protects your belongings against theft, fire, or water damage, while personal liability coverage offers protection in case someone is injured on your rented premises. Additional living expenses coverage provides financial assistance if you need to temporarily relocate due to a covered loss.

When reviewing your renter’s insurance policy, pay close attention to the coverage limits and deductibles. Coverage limits are the maximum amount your insurance company will pay for a covered loss, and deductibles are the amount you’ll need to pay out-of-pocket before your insurance kicks in. By working with a knowledgeable agent at Stonewall Grace Insurance in Buena Vista, VA, you can better understand these terms and choose the right coverage that suits your needs as a renter.

Understanding the fine print of your renter’s insurance policy is crucial to ensuring you have the proper protection in place. If you’re interested in learning more about renters insurance and how Stonewall Grace Insurance can help you find the perfect policy in the Buena Vista, VA, area, don’t hesitate to contact our team of experts. We are here to provide personalized insurance solutions that keep your belongings and financial future safe and secure.

The Impact of Weather-related Events on Home Insurance Claims

As a homeowner, one of the major threats you face is potential damage due to extreme weather. Therefore, it’s essential to understand the impact of weather-related events on your home insurance claims. At Stonewall Grace Insurance in Buena Vista, VA, we take the time to help you understand your coverage. If you need additional coverage, we’ll help you find it. 

Weather Events Not Covered by Home Insurance

Your home insurance policy does not usually cover floods. However, Virginia residents can buy separate flood insurance through the National Flood Insurance Program. Check your policy to see what weather-related claims it covers. It’s helpful to schedule an appointment with your insurance agent to ensure you don’t miss anything in the fine print. For example, does your policy cover someone who falls on your icy sidewalk?

Types of Weather Damage Covered

It’s crucial to review your personal policy. However, most homeowners’ insurance covers weather-related damage from hail, fallen trees, and backups due to excess rain. Your individual policy may also list roof damage, wind damage, and power failure coverage. If you need help determining whether your policy includes landscaping damaged by ice dams, we can help.

Weather-Related Liability

Do you know if your policy covers liability related to neighbors falling and slipping on your icy porch steps? What about ice and snow that causes a miniature avalanche? Instead of guessing, contact our team for a thorough policy evaluation.

In any case, proper home maintenance can avoid many of these risks. Keep your roof clear, and sidewalks shoveled to limit your liability. If an accident occurs, contact the insurance company for instructions. Depending on your coverage, you may also get help with your lawyer’s fees too.

Contact Stonewall Grace Insurance in Buena Vista, VA for more information on protecting your home and belongings from weather-related damage and risks.

I Bought a New Car: Can I Add the New Car to My Existing Auto Insurance Policy?

At Stonewall Grace Insurance, we are pleased to offer auto insurance policies to greater Buena Vista, VA residents. However, we have found that many people are confused about adding a new car to an existing auto insurance policy and what the rules are regarding this. As such, we want to help answer any questions you may have. 

Can I Add a New Car to My Existing Auto Insurance Policy? 

You can add a new car to your existing auto insurance policy. An auto insurance policy will allow you to add or remove cars, and the price may be adjusted when you do so. 

What If I Buy the Car After the Insurance Company Is Closed For the Evening? 

Many auto insurance companies have a grace period for adding new cars. This means that your new vehicle is covered, even if it is not yet on your policy, as long as you are within the grace period, your insurance company covers it. 

How Long Do I Have to Add a New Car to My Existing Auto Insurance Policy? 

Most insurance companies give you two to four weeks to add a new vehicle to your existing auto insurance policy. Check the wording on your policy to find out how long you may have. 

If you already have auto insurance, your auto insurance policy likely covers a brand-new vehicle for a brief period. After that time, you either have to add the car to your policy or obtain a new auto insurance policy for the vehicle. The team at Stonewall Grace Insurance, helping residents in the Buena Vista, VA area, would love to help you with this. Reach out to us today to learn more.

How does senior market health and life insurance benefit you?

We all know that health insurance covers health-related costs such as hospital visits, doctor appointments, and medication. You might also know that life insurance helps your family with expenses after you die. One thing that most people aren’t familiar with is senior market health and life insurance. What makes senior health and life insurance different from regular insurance, and how does it benefit you?

What is senior health and life insurance?

Senior health and life insurance are similar to regular health and life insurance. Most life and health insurance policies can be more expensive for the older generation because they are more of a risk for the insurance companies. This is where senior market health and life insurance come in. Unlike regular life and health insurance, senior market insurance guarantees acceptance if you meet the age requirement of 65 or older.

How does senior health and life insurance benefit you?

Many people over the age of 65 are unemployed due to age-related factors such as forced retirement or health conditions. With that, they often have a fixed income and can’t afford expensive insurance policies. Senior market health and life insurance benefit you because most policies have a price cap, requiring premium costs to be under a certain amount.

Unlike regular life insurance, senior market life insurance does not discriminate based on your age. If you start a policy later in life, regular life insurance has higher premiums. Because of this, some people opt out of life insurance, which leaves their loved ones with funeral and burial expenses after they die. With a senior market life insurance policy, your loved ones will have something to cover those costs.

Regular health insurance often requires physical exams and screenings. Seniors can often be denied health insurance coverage because of the higher risk of health conditions. Health care can be expensive, leaving them with high medical bills to pay. Senior market health insurance guarantees acceptance if you meet the age requirements.

Contact us

Contact us at Stonewall Grace Insurance in Buena Vista, VA for more information.