You already know that you have to have liability coverage at least to stay legal on the road. But have you thought about adding comprehensive and collision to your policy? Doing so is usually the best idea and can really protect you financially if you’re in an accident.

Our team at Everett Insurance in Glen Allen, VA has put together a brief guide explaining why it is so important to help you make your decision. Here are three reasons you need full coverage auto insurance.

1. Cars Are Expensive to Repair

Let’s face it; auto repairs aren’t cheap. Having comprehensive and collision insurance on your car insurance policy can keep you from having to pay out-of-pocket for damages if something unexpected happens. This includes weather events, hitting a deer, or even theft, too.

2. Your Bank Likely Requires It

If you still have a loan on your vehicle, your bank likely requires you to carry full coverage insurance. They do this so that if the car is ever repossessed, they have the ability to repair any damage and resell the vehicle. However, even if you’ve already paid your loan off, it is still a good idea to keep comprehensive and collision coverage on your policy.

3. Other People Aren’t Always Responsible

Although it is the law and you’re doing your part to stay legal, not everyone is responsible. If you’re involved in an accident with an uninsured driver, you’ll need collision coverage on your own policy to keep from having to pay for all of the repairs on your own. While you’ll be subject to your deductible, the insurance company will work on your behalf to try to collect damages from the other party. At the same time, you get to go ahead and have your vehicle fixed immediately.

Buying Full Coverage Auto Insurance is Easy

As you can tell, adding comprehensive and collision to your Virginia auto insurance policy is definitely a good idea. Thankfully, the process is super easy. Need to take a look at your current Glen Allen, VA auto insurance coverage? Please get in touch with our team at Everett Insurance today to schedule an appointment.

Just bought a new house? Congratulations. You can finally settle down with your family in your own space. However, are you entirely safe without insurance? Not really.

If you bought your home through a mortgage in Glen Allen, VA, your lender might have already mentioned the value of home insurance. In fact, it is a requirement by most lenders to protect their investments. At Everett Insurance, we help new home buyers find the essential coverages for their homes to protect their valuables and loved ones.

Home insurance comes with many beneficial coverages, but here are the significant coverages you may want to consider buying first.

1. The dwelling and other structures coverage

Whether you just bought a new or an old home, the first thing you want to do is ensure that the entire dwelling and other structures such as the detached garage, the shed, the fence, gate, and any other separate structure are covered. By dwelling, we mean windows, doors, roof, ceiling, and the walls. The dwelling coverage is essential as it protects the fundamental investment in a fire or natural disaster.

2. Personal belongings coverages

The contents you keep in your Glen Allen, VA house is what we refer to as personal belongings. These include furniture, appliances, electronics, and clothing. Depending on the value of these items, you may want to cover them in the event of a fire, theft, or vandalism. For priceless or highly valuable content, you should consider buying separate coverage to insure them.

3. Property and bodily injury liability

This coverage protects you from financial losses in the event of an accident where other parties are injured at your home, or someone in your family causes property damage to other people. This coverage will pay for medical bills for the wounded and pay lawsuits if you are sued for the damage or injuries.

For all your home insurance needs, feel free to talk to us at Everett Insurance, and we will be glad to walk you through the journey.

Based out of Glen Allen, VA, Everett Insurance is an independent insurance agency. We provide our clients with access to multiple insurance policies to ensure that they receive the coverage that they need. We strive to serve our clients while maintaining integrity at all times.  

Discovering Classic Car Insurance

At Everett Insurance, we are aware of the value regarding classic cars. Many people consider classic cars to be their most prized possession. Classic car insurance helps you protect your asset.

According to Virginia law, a classic car is considered a vehicle that is over 25 years old. Classic cars must undergo regular state inspections. In order to maintain their classic status, drivers are not allowed to use their vehicles daily. Make sure that you take care of the vehicle, and if possible, promote it at different automotive shows. 

Special Collection Coverage

Your classic car insurance policy will cover you in the event that you get into an accident. However, one way that a classic car insurance policy is different from a traditional policy is special collection coverage. After you have your car appraised, you can receive a fair estimate of how much your vehicle is worth. The appraisal should help you figure out how much coverage your vehicle needs. Also, your policy will likely contain detailed language that explains how many miles you can put on your vehicle during the year. In some cases, your policy may exclude you from driving the car at all unless you are going to a classic car show or event.

Everett Insurance Can Assist You

We understand that figuring out the right type of classic car insurance for your vehicle can be complicated. That’s why we encourage you to stop by our office in Glen Allen, VA, so that we can help you find the right policy.

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.

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.

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.