Will the Government Cover Me if I’m Disabled?

It can be devastating if you cannot work due to injury or other conditions. The loss of income can compel you to give up things you love, and it can be hard to make ends meet. Stonewall Grace Insurance knows government assistance programs in Buena Vista, VA don’t always cover certain conditions, and even when they do, the coverage might not be enough.

Social Security: What It Covers

You can qualify for disability benefits from the Social Security Administration if you are out of work for 12 months. The SSA considers "disability" as a physical or mental impairment that prevents you from doing any work. The SSA covers various impairments, such as arthritis, cancer, diabetes, and more. Head injuries, paralysis, and eyes and ears can be grounds for disability.

Is Social Security Income Enough?

Unfortunately, the answer is often no. The monthly disability payment is low, and you will need to pay for medical coverage and some expenses associated with being out of work. You may have to move in with a friend or relative or apply for other government assistance to help with the extra costs. On average, the yearly income from Social Security is less than $20,000.

Can You Rely On Employer Disability Insurance?

Disability insurance is usually limited and can’t replace your salary if you become disabled. Some employers will require you to apply for Social Security benefits first.

Benefits of Having Individual Disability Insurance

Disability insurance can help pay bills while you’re disabled or use money from the policy to pay off debt. Some policies also provide a death benefit.

Bottom Line

Don’t rely on one safety net in case of disability. If you live in Buena Vista, VA, please get in touch with Stonewall Grace Insurance to learn more about disability and life insurance.

Why you need commercial insurance for your home business

Basing your business at home is becoming more popular all the time. It is less expensive when it comes to a start-up than having to rent a business location. You may assume that because your business is located in your home, your home insurance is adequate coverage. At Stonewall Grace Insurance in Buena Vista, VA, our experienced team can advise you on all aspects of commercial insurance and where your home business will find home insurance lacking. 

Commercial Property Insurance

Your home insurance has personal property coverage. It is designed to replace your furniture and things like clothing, books, and items you use every day. Your home business is likely to use many things that are not personal property. Home insurance will not provide the coverage you need for your raw materials, inventory, and things that are strictly business items. 

Commercial Auto Insurance

If you are using your personal vehicle for business purposes, you need to rethink that. If you have an accident while you are in the process of doing business, your personal insurance won’t cover you. That is very serious and could cost you your business and your personal wealth. You need to have your business vehicle covered with commercial auto insurance. 

Commercial Liability Insurance

Any business is vulnerable to being sued. Anyone who visits your home on business has the potential to be injured and sue you. If you are sued by someone visiting for business, your home insurance won’t cover the injury. That could cost you everything you have, and it isn’t worth the risk. 

Workers Compensation

If you have more than two employees, this is something you need to think about and are required to have. 

Contact Stonewall Grace Insurance in Buena Vista, VA to discuss your home business and commercial insurance.

How Does Renters Insurance Protect Someone?

If you are a renter in Buena Vista, VA, you should consider renters insurance to protect your finances. We know what you are thinking: the landlord has insurance. Why should I get one myself? Your landlord’s insurance covers the property but not your personal assets. For this reason, you should consider renters insurance from Stonewall Grace Insurance.

Here are the ways that renters insurance protects you:

Covers your assets

Think about the assets you own, from clothing and furniture to electronics. Wouldn’t it be frustrating to start from scratch if something happened to your assets? If you are a tenant living from paycheck to paycheck or saving up to own your home, a loss or damage to your assets can be a big blow.

However, if you have renters insurance, you can have peace of mind knowing that your insurer will compensate you when something happens to your assets. Renter’s insurance won’t prevent risks, but it cushions you financially when the worst occurs.

Personal liability coverage

If you are legally responsible for injury to other people, renters insurance can cover the third-party costs. Similarly, if you are accused of causing property damage to others, renters insurance can cover the costs. Since liability costs can be prohibitive, every renter should ensure they have an adequate amount of renter’s insurance.

Loss of use

Suppose a peril listed in your renter’s insurance policy makes your dwelling unlivable. In that case, renters insurance can put you in a temporary shelter (like a hotel) and pay for the additional living expenses until your dwelling becomes livable again.

Renters insurance in Buena Vista, VA

Want to invest in renters insurance? You are on the right track. All you need now is to get in touch with Stonewall Grace Insurance. We will recommend a renters insurance that suits your budget, lifestyle, and other needs.

Common Home Insurance Exclusions

Do you know that your home insurance has exclusions and limitations? If yes, do you know the specific exclusions? What isn’t covered by your home insurance is usually indicated in your policy document. Unfortunately, most homeowners don’t read the fine print — they only learn about the exclusions when disasters have already happened. So, to be on the safe side, it’s essential to understand what isn’t covered by your home insurance policy to avoid heartaches during the claim process. Stonewall Grace Insurance of Buena Vista, VA is here to explain common home insurance exclusions.


Floods may be the most common natural disaster in the US, but the unfortunate thing is that flood damage isn’t covered by standard home insurance. However, all is not lost because you can purchase stand-alone flood insurance from private insurers or the National Flood Insurance Program (NFIP) to protect your home against floods.

Earth movements

Typical home insurance doesn’t cover earthquakes, sinkholes, and other earth movements. However, like flood insurance, you can get "a rider" or " endorsement" to cover such damages.

Wear and tear

Your dwelling will certainly suffer normal wear and tear as the clocks ticks. Since this risk is certain to occur, it isn’t covered by home insurance. The good thing is that you can slow or stop your home’s gradual wear and tear through proper maintenance.

Pest or mold infestation

If your home is damaged by mold or pest infestation, any claim you make is likely to be ignored by your insurer. Your insurance expects you to carry out scheduled maintenance practices to keep mold and pests away from your home, like wear and tear.

Learn more about home insurance

If you want more insights about home insurance, don’t shy off from talking to your preferred insurance agent in Buena Vista, VA. At Stonewall Grace Insurance, we have a team of knowledgeable agents to keep you on tabs on all matters regarding home insurance.

4 Key Areas Covered by Auto Insurance

Even after being vigilant on the road, unexpected eventualities may crop up, culminating in heavy losses in terms of injuries and property damage. Being one of your most vital assets, your car requires a formidable shield to protect your wallet when accidents happen. So, if looking for a formidable car insurance plan in Buena Vista, CA, don’t look beyond Stonewell Grace Insurance. Here are the areas where car insurance will provide coverage:

Asset protection

What happens when your car is damaged beyond repair after an accident? Are you ready to part with vast sums of money to repair or restore your vehicle? If not, buying comprehensive coverage restores or repairs your car if it is physically damaged from non-collision events like hail, theft, and vandalism. Likewise, collision coverage repairs or replaces your vehicle if it’s damaged after colliding with another car or stationary objects.

Safeguarding yourself and others

Prolific auto insurance from Stonewall Grace Insurance safeguards your family members, other drivers, and passengers. If an accident transpires, you are guaranteed that any culminating costs from injuries or property damage will be catered for.

It’s a legal requirement.

Numerous states, including Virginia, mandate all drivers to have prescribed minimum requirements to operate their automobiles legally on the road. The mandated required provisions comprise bodily injury and property damage liability coverages.

Protection from lawsuits

Lawsuits can sometimes compromise your hard-earned assets like a house or car. Today, we thrive in a litigious society, and you may get slapped with a lawsuit attracting insurmountable financial difficulties. The right auto insurance will salvage you from claims made against you after an accident, including legal representation fees.

Buy car insurance today!

Are you in need of solidified auto insurance in Buena Vista, VA? If yes, don’t hesitate to get in touch with our agents at Stonewall Grace Insurance for a competitive quote.

Why You Should Buy Life Insurance If You’re Over 50 Years Old

When you’re developing your estate plan, you will want to ensure that you purchase a life insurance policy in Buena Vista, VA. The older you get, the more expensive the coverage is. However, if you are 50+ and do not have life insurance, it isn’t too late to speak to Stonewall Grace Insurance about your options. The benefits will outweigh the costs of the policy. Here are just a few reasons you should get this type of personal insurance.

It Can Supplement Retirement Account Funds

Some forms of life insurance have the potential for investment. These insurance policies will allow the withdrawal of money against the cash value of your life insurance policy as needed. If you do not have sufficient savings for retirement, an appropriate policy can supplement your existing savings and help ensure a retirement that is as comfortable as possible.

It Can Help with the Care for an Ill or Disabled Family Member

If you are the primary caregiver for a family member, a life insurance policy can serve as a safety net to cover any finances after your passing. This type of policy can cover a variety of living and medical care expenses.

It Can Pay for End-of-Life and Funeral Expenses

While you may be equipped with great health insurance, it may not be enough if you are diagnosed with a terminal illness. On top of that, upon your death, funeral expenses can be expensive. This is particularly true if you wish for a traditional burial and memorial service. A life insurance policy offers death benefits that can be used to help pay for both of these, ensuring your family is not left with the financial burden of your death. This allows them to grieve your loss.

If you are ready to take control of you and your family’s future in Buena Vista, VA, speak to us at Stonewall Grace Insurance about your life insurance choices.

Senior Market Health Insurance FAQs

You still have the best years ahead during your golden age, and you need your health to be in tiptop condition. One of the best ways to protect your health is investing in senior market health insurance from Stonewall Grace Insurance in Buena Vista, VA. But because we usually get many questions regarding senior health insurance, we have prepared a FAQs section to shed more light on this coverage.

What are some senior health insurance coverages I can access?

As you grow old, your health is likely to fail you. However, with a sound health insurance plan, you can enjoy life to the fullest without worrying about medical bills. Here are some senior health insurance plans you can access:

  • Medicare (Advantage and Supplement plans)
  • Long-term care insurance
  • Dental and vision insurance
  • Life insurance
  • Hearing insurance
  • Short-term medical insurance
  • Hospital indemnity insurance
  • Critical illness

Because seniors require a little more attention to detail regarding health insurance, you need a caring insurance agent who listens to your needs and provides coverage based on your unique needs.

How does an insurance agent help with senior health insurance?

An experienced insurance agent knows how to navigate the complicated health insurance field. By listening to your needs, they can help you choose the health insurance coverage that answers your needs. Whether you need a health plan for emergency cases or one that allows you to see a doctor whenever you want, Stonewall Grace Insurance is here to help.

Where can I purchase senior health insurance in Buena Vista, VA?

Looking for a robust senior health insurance plan? Look no further than Stonewall Grace Insurance. Because everyone’s needs are different, we don’t offer one-size-fits-all health insurance coverage. We will take you through the various options available and help you pick the option that meets your budget and other unique needs.

3 Ways to Ensure Your Business Is Not Underinsured

Folks in Buena Vista, VA have a good view of the future, enjoying their lives and taking on journeys like starting a business. At Stonewall Grace Insurance, we know that a sunny outlook requires careful planning. This is how you can keep your business growing without the risk of being underinsured.

Report Significant Changes

Taking on new business and improving your company’s revenue feels fantastic and increases how busy you are. You might open up a new brick-and-mortar location, hire help for the extra work, and purchase equipment to improve your workflow. Any of these changes might impact your potential liability, so bring them to your insurer as soon as you can.

Conduct an Annual Insurance Review

Doing at least a once per year checkup on all of your company’s contracts is a solid way to catch risks that might otherwise have gone unnoticed. Include your company’s commercial insurance policies into the mix, even if you think it’s unlikely that anything noteworthy has changed. A little bit of extra time could save you an immense amount of money if there’s an issue that you missed.

Shop around for Options

Prices and offerings might change over time, especially since they are influenced by your company’s risks and assets. Looking through your choices and getting a few quotes will paint a picture of the insurance environment and could point you to the coverage you hadn’t considered. For example, if your company surges and carries a lot of risks, you might benefit from umbrella insurance coverage. To find out more about your coverage options, both new and existing business owners can contact us at Stonewall Grace Insurance in Buena Vista, VA.

Should Virginia renters get renter’s insurance?

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?

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.