Can Renters Install Home Security Systems?

Home security systems are ideal for both homes and rental units or apartments. With today’s advanced technology, systems can be installed without having to access the building’s wiring or electrical system. At Everett Insurance, renters who live in Glenn Allen, VA are able to get the information they need from a reputable and reliable source. They also have the advantage of working with a local insurance agent who specializes in meeting all their needs.

Do It Yourself Home Security Systems

Do it yourself home security systems operate using a wireless or Bluetooth connection. This means that they do not have to be hardwired into your home’s electrical system. They are battery operated and extremely easy to install. In most cases, a basic home security system can be installed in an apartment and set up within 30 minutes. All the renter needs is a reliable Wifi connection and a convenient app that can be downloaded to their smartphone or tablet.

Easy to Relocate

One of the best things about choosing a DIY home security system is that they are easy to relocate. Most people only live in an apartment until they can afford to purchase their own homes. DIY systems can be taken down and relocated with ease. Once you turn it back on, it continues to work just like it did in the apartment.

In Glenn Allen, VA, renters who want to add an additional layer of security to their apartment can install a DIY home security system without disturbing any part of the structure of their dwelling. The agents at Everett Insurance can help determine what type of system is best and what features you should look for.

Do I Need Umbrella Insurance?

You have auto insurance for your vehicle, and you have some sort of insurance for where you live (whether it is home owner’s condo owner’s or renter’s). You do what you can to protect your property and your valuables, so if anything were to ever happen you’d have insurance coverage. However, what about umbrella insurance? Umbrella insurance doesn’t cover one thing specifically but instead offers protection for everything. If you already have insurance for your other valuable investments and items you own, do you really need umbrella insurance? Here at Everett Insurance, we are here to help you with all your possible umbrella insurance questions. 

Own Your Properties

Do you own your property? If so, you might be a prime candidate for umbrella insurance. Umbrella insurance offers additional liability protection. If someone is injured on your property you will want to have this coverage as it gives you additional financial protection in the event of a lawsuit. If you are a renter, you may not need this kind of coverage. 

Multiple People Living In Your Home

Do you live with your family? Do you have children? You may want to consider umbrella insurance. It’s hard to know what your children are doing or what other people in your family are doing at all times, but as the property owner and head of the household, you might be liable for their actions. Additional umbrella insurance for your cars and other items you own will help give you this protection in Goochland, VA. 

Consider Umbrella Insurance

Umbrella insurance isn’t for everyone. However, if you believe you might need additional liability coverage for what you own, umbrella insurance is perfect for you. But if you’re still on the fence and in the greater Goochland, VA area, our staff here at Everett Insurance is here to help. So, give us a call at your earliest convenience.

The Details of Worker Compensation Insurance In Virginia

When it comes to having employees working for your business, they must be treated 100% fairly. While your employees are completing the work that they are being paid for in safe manners, at any moment, an accident can occur. What happens when a worker is injured on the job and needs medical attention? This is where workers’ compensation insurance comes in handy big time for the business. 

At Everett Insurance, we are based in Glen Allen, VA, and serve the surrounding local areas as well. Our goal is to make sure that all of our clients are safe and provided with the proper legal insurance to comply with their needs. Businesses are required to have workers’ compensation to cover their employees in the worst-case scenarios. When you purchase this insurance, what does it cover for your business and employees? 

If an employee becomes sick or suffers a work-related injury, they may need medical attention immediately. Choosing not to have workers compensation insurance can cost your business significantly financially down the road. Being able to provide your employees with proper assistance helps them get diagnosed and helps with the situation that occurred appropriately. There is paperwork that has to be filled out, such as an incident report, including details of how the injury/sickness happened. In some situations, employees have to take time off from work due to the injury/sickness, which means they are legally bound to be compensated in partial/full their regular wages while away. 

Are there any questions or concerns that you would like to ask one of our representatives? There are no wrong questions here when making sure workers are adequately taken care of after an injury. To reach us via phone at our office, please feel free to call us at (800) 296-1011. Our team in Glen Allen, VA is ready to help you find a quote and answer your questions.

Qualifications for Classic Car Insurance

Classic and collector vehicles have different protection needs than ordinary cars due to their value, rarity, and specialized maintenance needs. These pricey vehicles are also at higher risk of theft or vandalism, making it essential you purchase classic car insurance from Everett Insurance in Goochland, VA to protect your valuable investment. Here are the qualifications for classic car insurance.

Your Vehicle Must Be a Classic   

To qualify for classic car insurance, your older car needs to be a classic vehicle. Older vehicles are considered classic if they:

  • Are 20 years or older
  • Are in good condition (no rust, no tears in the interior, roadworthy)
  • Have historical value
  • Match the original factory design

Your classic may be an antique, hotrod, muscle car, exotic car, or vintage car.

Your Classic Must Meet These Conditions

To qualify for classic car insurance, your classic must meet the following conditions:

  • Limited use such as for exhibitions, parades, or auto club activities within the mileage restrictions of your policy
  • Well-preserved and maintained
  • Needs to be stored in a secure, locked location to prevent theft or vandalism
  • Restricted to safe drivers who have no serious violations on their driving record

What Classic Car Insurance Covers

Classic car insurance offers much of the same coverage as ordinary auto insurance, often at lower premium costs. This includes liability, collision, and comprehensive coverage.

If your classic car is destroyed in an accident or disaster, however, your insurance will compensate you for the amount agreed upon when you took out your classic policy as opposed to actual cash value cost.

Your classic policy may also offer specialty coverage not provided by ordinary auto policies to include auto show protection, auto show medical, and coverage for spare parts.

To purchase classic car insurance for your classic vehicle, call or visit Everett Insurance in Goochland, VA, today.

How Does Renters Insurance Work?

Renters insurance is meant to protect renters and their belongings. It can also be known as tenant insurance. Renters insurance provides coverage for a guest’s injury, burglary, and theft. A renters policy has many different uses but mainly consists of three different types of coverage.

You’ll agree that none of the situations is within your control. No matter how much security facilities you install in your home, criminals may find their ways around it because they also study security installations to find out their loopholes. Also, even if you succeed with the security of your rented apartment, an accident can occur while guests are in your home. Any of your visitors can slip and fall. He or she may decide to sue you for that.

Now, let’s talk about each type of coverage and what they cover. Renters insurance is pretty universal and doesn’t change much, whether you’re in Richmond or Glen Allen, VA.

Personal property

This policy type may cover the repair cost or the replacement cost of your personal properties like your electronics, furniture, and clothing after a burglary or theft. However, it has a limit. It will only cover your loss to the extent of the limit. You’ll have to bear the cost of the rest.

Liability

If you mistakenly damage someone’s property, this policy will come to your rescue. A good example is when you accidentally leave any of your faucets open, your sink overflows, and water seeps into the apartment below yours. You are legally obliged to fix the other tenant’s apartment.

With this policy, you won’t need to pay the bill from your pocket. Also, if you damage your guest’s property or cause an accident that results in injuries, you can fall back on this policy to fix the damaged property or pay their medical bills, depending on what the situation is.

Additional living expenses

If your rented apartment or rented residence is damaged and you have to live in a hotel until it is fixed, this policy will pay for your additional living expenses, including your hotel bills.

Conclusively, you need to bear in mind that the payment is to your policy limit. For more information on renters insurance, contact Everett Insurance in Glen Allen, VA.

 

Does umbrella insurance cover my pets?

Our furry and feathered friends are part of our families and often appear in insurance cases in Richmond and Glen Allen, VA. Since we cannot fully control what our pets can and cannot do, the best way to ensure that they are safe is by protecting them through insurance. Umbrella insurance is one of the best ways to keep your pets covered. Everett Insurance is ready to give you a few reasons why that is so:

Bites and lawsuits

Our society today is unfortunately quite litigious, and extensive damages can turn out to be extremely expensive with long term financial impact. What’s worse is that those lawsuits can come from our lovely furry fellows. For instance, a simple bite or scratch from a dog may call for lawsuits that may amount to millions of dollars in injuries. In most cases, homeowners’ insurance is not adequate to cover such large sums of money, but umbrella insurance can come in and compensate the rest.

Pets and damages

Just like us, pets cannot be perfect and, at some point in our homes, may break a plate, a glass window, or even a flowerpot. The difference comes in when they break a neighbor’s or a friend’s glass window. This may force you to cough out a hefty amount of money for damages which homeowner insurance may not adequately cover. Umbrella insurance will again come in and clear the balance.

Trips and falls

Pets cause most common tripping accidents. For instance, a neighbors child who came to play in your back yard may trip over your cat or dog and fall badly. Again, if home insurance won’t be adequate to cover the medical bills, umbrella insurance will come to the rescue.

If you still have questions about umbrella insurance, speak to one of Everett Insurance experts or visit us in Glen Allen, VA today!

 

Is Flood Insurance a Luxury or Need?

With natural disasters on the rise, it only makes sense for homeowners to reassess the protection they’re receiving from their home insurance policy, particularly when it comes to flooding. Floods are occurring more often than ever all across the country. Unfortunately, flooding isn’t covered by a standard home insurance policy, putting you at risk of picking up the tab for damages.

Flood insurance from Everett Insurance in Las Vegas, NV can give you peace of mind that your home and goods will be protected against this unforeseen disaster. Here are a few reasons to consider this valuable coverage.

Floods Can Occur In and Out of a Flood Zone

Floods can occur almost anywhere, whether your home is in a flood zone or not. According to FEMA (Federal Emergency Management Agency), over 20% of the annual insurance claims made for flooding come from homeowners who live outside a flood zone. You cannot predict when a flood will occur but you can be prepared with appropriate insurance coverage.

Flood Insurance is Affordable for Homeowners Living Outside a Flood Zone

You can add flood insurance to your current home insurance policy at an affordable cost if you live outside a flood zone, making it a smart investment to protect your valuable property.  

Floods Can Cause Catastrophic Damage

Even a few inches of water inside your home can cause tens of thousands of dollars’ worth of structural and personal goods damage. Unless you have the financial resources to cover the cost of flood damage out-of-pocket, flood insurance is a smart and affordable option to protect your property.

At Everett Insurance, we have your best interests at heart when it comes to protecting your Las Vegas, NV property. Contact your Everett Insurance agent today to learn more about flood insurance coverage to protect your valuable investment.

Who can benefit from my life insurance policy?

Life insurance is an essential part of your financial plan. This is because life insurance can help keep your dependents and loved ones financially safe in case of your demise. At Everett Insurance, we recommend purchasing life insurance as early as possible as opposed to waiting until an older age. 

Life insurance takes care of your funeral and burial expenses as well as your documented dependents. By documented dependents, we mean that not everyone can benefit from your life insurance. Read on to learn who may benefit from your insurance.

It is not a must for your spouse to benefit

Your life insurance is not a law. Therefore, there exist no rights as to who may benefit from your insurance and who may not. In simple terms, life insurance is like a will. However, unlike a will, you need to choose one sole beneficiary and an optional name in cases where the only beneficiary is unavailable or dies.

Your beneficiary can be your parent

Like we have already mentioned, only the listed people can access death benefits. For instance, if you have children and parents, you can choose your parents and not your children to be sole beneficiaries depending on your reasons.

It doesn’t have to be family

Naming your beneficiary is quite personal, and your insurer will accept anyone you name in your policy. If you live around Richmond or Glen Allen, VA you can visit us at Everett Insurance for professional advice.

With the current state of every possibility and many uncertainties, you may not know what happens to your dependents in case of your demise. Purchasing life insurance is an excellent plan to help give your family and loved ones the quality of life you have always wanted. For more information, visit us at Everett Insurance in Glen Allen, VA today.

 

Top Auto Insurance Features Available to Virginia Residents

Motorists in the state of Virginia are required to have coverage for bodily injury, property damage, and additional protection from under and uninsured drivers. In addition to these three types of coverage, more policies are available to drivers throughout the Glen Allen, VA area. If you are a local resident, the team at Everett Insurance is here to help you find the auto insurance policy that is right for your needs. 

Top Auto Insurance Features for Virginia Residents to Consider

  • Gap Insurance – Virginia residents can take out gap insurance if they lease a car, or they have a financed car that they have had for less than one year. This is important if your car is totaled. The outstanding amount of the loan or the lease could be higher than the cash value of the vehicle. This feature is not necessary for anyone who owns their vehicle, or the financed value is lower than the cash value.
  • Medical Insurance – If you are a Virginia resident who does not have medical coverage or your policy has a low limit on the amount of medical expenses that it will cover, you should check out MedPay. This coverage can be invaluable if you are involved in an accident that causes significant injuries. 

These are just two critical features that are available for residents in Virginia.

Residents in the Glen Allen, VA area can rely on Everett Insurance to help them find the right policy for their family’s protection. With all of the choices available, it can be a lot easier to work with a local agent to simplify the process! Call or stop by today.

We look forward to working with you!

How Commercial Insurance Protects Your Business Inventory

As a business owner working to grow your new venture, you’re concerned about the safety of your building and the impact that a disaster could have.  The reality is that commercial insurance can cover that part of your business but it also works hard to protect all aspects of the business including inventory and equipment.  Commercial insurance is several policies packaged together to provide coverage for any property the business owns, liability protection and workers compensation.  At Everett Insurance, agents work with business owners throughout the Glen Allen, VA area to secure the coverage their businesses need.

While a commercial insurance policy does provide protection for any property owned by the company, it also covers the equipment and inventory.  This goes a long way should the company be impacted by a fire or severe weather that can destroy inventory.  It will also provide liability protection for any guest or customer that is injured at a corporate location.  Workers compensation comes into play if they are injured while at work. 

Commercial insurance is important for both new and established companies.  While it can keep you going by protecting inventory and equipment, you may also want to consider business interruption insurance.  This type of policy is activated when an event disrupts your normal flow of production or conduct of business.  It gives you financial protection to recover quickly and get back to business as usual as soon as possible.  Your agent will be able to answer any questions about this.  With our website at Everett Insurance for basic information then call or call by for a quote.  Our agents work with businesses throughout the Glen Allen, VA area to get the right coverage in place.  Don’t wait for the disaster to happen.  Prepare your business today!