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705 S 9th St suite 302
Tacoma, WA 98405

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Do I need motorhome insurance if I store my motorhome during the winter?

If you’re like most people, you have limited resources. It makes sense to try to find ways to save money, especially if you enjoy traveling. You don’t want to cut down on something you enjoy, so you may be considering if you can save money on your RV insurance. 

If you live in Bellevue, WA, you may not want to drive your motorhome year-round. Many RV owners choose to travel when the weather is nicer and when it is easier to take off from work and school. VIP Insured can help you explore your options to see if you can save money during your off months.

Legal Requirements for RV Insurance

RV insurance in Washington is basically the same as auto insurance. You are required to carry a minimum amount of liability insurance in case you damage someone’s property or cause bodily injury to others during an accident. You can also get other protections, such as comprehensive and collision coverage and even pet coverage.

Does the Requirement Change When Your Motorhome Is In Storage?

If you are still paying for your RV, you will probably not have a choice in paying for full coverage year-round. Most lenders require you to protect their investment. 

Even if you own your motorhome outright, you may want to reconsider canceling your insurance altogether. At the very least, you can look into special insurance that will protect your RV in case there is a fire, theft, vandalism, or other incident. Instead of canceling your policy, find out if the same company will let you change during the relevant times.

Schedule A Consultation Today

VIP Insured wants you to feel confident that your Bellevue, WA motorhome has the protection it needs. Happily, motorhome insurance in Washington is reasonable. Call today so we can discuss your options.

Experienced Motorcycle Riders Need Insurance Protection, Too!

Even if you’ve been riding motorcycles for years, you’re not exempt from the risk of accidents. Whether you ride in the city or on the highway, you need the protection that motorcycle insurance can provide! At VIP Insured in Bellevue, WA, we offer quality motorcycle coverage at affordable costs.   

Required Motorcycle Coverage

Like many states, Washington has minimum motorcycle insurance requirements. Riders are required to carry personal injury and property damage liability coverage. This coverage protects others in accidents you cause. If you’re liable for an accident that sends others to the hospital, liability insurance helps pay for their medical costs. Liability property coverage pays for repairs to their vehicle. If you’re sued for damages, liability insurance helps cover your legal costs.

Protection Against Financial Loss

Motorcycle insurance can also protect your assets by covering your injuries and damage to your bike in an accident. Through collision and comprehensive coverage, your bike is protected against theft, vandalism, fire, weather events and damage from accidents. Otherwise, you’d have to pay for the cost of repairing or replacing your bike on your own. 

Medical payment coverage helps pay for any injuries you sustain in an accident, regardless of who was at fault. If you’re hit by a driver with insufficient insurance to cover your damages, uninsured motorist coverage will help cover your injuries and motorcycle repair costs.

Better Safe Than Sorry

Motorcycle riding can be risky as you’re exposed to the elements and at peril of getting hit by other drivers. There’s also a greater chance of getting seriously hurt in the event of an accident. Motorcycle insurance doesn’t reduce those risks, but it does provide financial support to help you recuperate your losses. 

Schedule A Consultation Today!

To learn more about our motorcycle insurance policies and costs, contact VIP Insured in Bellevue, WA.

Dangers Drivers Sometimes Forget

Did you know that over six million car accidents occur in the U.S. each year? Yet at the same time, there are more than 250 million cars in the United States and Americans collectively drive more than 3 trillion miles per year. For most drivers, the vast majority of those miles will be uneventful. Yet dangers on the road abound. By being vigilant and carrying the right auto insurance plans, however, drivers can reduce risks.

If you want to explore auto insurance options in Bellevue, WA or surrounding communities, contact VIP Insured.

Never Underestimate the Weather

Most cars and trucks can protect you from rain, cold winds, and other general weather hazards. Yet snow, ice, and even humble puddles can cause drivers to lose control of their vehicles. Further, floods can quickly overpower vehicles, and winds might knock branches and other things into cars.

Many auto insurance policies provide coverage for damage caused by storms and other weather events. Of course, it’s crucial to always examine what is and is not covered with each plan.

Don’t Overlook Other Drivers

Even if you’re the safest, most cautious, and most skilled driver around, you could end up in an accident with another vehicle. Someone might rear-end or sideswipe you, for example. Collisions with vehicles can be especially dangerous because two fast-moving objects can result in a lot of damage. Defensive driving is always wise, and auto insurance policies with collision insurance may help cover damages.

Failing Infrastructure Can Strike from Left Field

Occasionally, bridges and other pieces of vital infrastructure collapse. Sinkholes can open practically anywhere and sometimes swallow cars whole. If you know a nearby bridge is in bad shape, you may want to take another route.

If you’d like to discuss auto insurance policy options in Bellevue, WA or surrounding communities, get in touch with VIP Insured.

Does umbrella insurance replace other policies?

Umbrella insurance from VIP Insured is an extra layer of liability coverage that can protect you in the event of a major lawsuit or settlement. It’s designed to provide financial protection beyond the limits of your other policies, such as homeowners, auto, and boat insurance. While umbrella insurance is not meant to replace your primary policies here in the Bellevue, WA area, it can help fill coverage gaps and provide additional protection from costly lawsuits and settlements. 

Benefits of Umbrella Insurance

Umbrella insurance can kick in once you’ve exhausted the liability limits of your other policies. For example, if you’re found liable for damages in excess of the limit on your homeowners’ policy, umbrella coverage could step in to cover any additional costs. It can also provide coverage for liabilities that are excluded from your other policies—such as libel or slander—or even incidents that occur away from home, like when you’re out boating on vacation. 

Ultimately, umbrella insurance provides an added level of protection for assets should something unexpected happen. You may never need it, but if you do, it could save you thousands or even millions of dollars in legal fees and settlements.

Without it, you could be on the hook for all costs above those provided by other forms of insurance. So while umbrella insurance isn’t meant to replace your existing policies, it does offer an important layer of financial security that may be worth considering if you have significant assets to protect.

We Are Here To Help

For more information, give us at VIP Insured a call today. We are proud to serve the Bellevue, WA area and would be happy to help you find a policy that meets both your needs and your budget. 

Home Security Purchases You Should Consider

Today there are lots of products and technology available to help us make our homes safer. Here at VIP Insured we aim to help homeowners in Bellevue, WA and the surrounding areas create safe secure homes.

Let’s look at some home security purchases you might want to consider:

Door Bell Cameras

Doorbell cameras have grown in popularity in the last several years. This type of technology allows you some of the benefits of being home even when you are not at home. The cameras can be synced to your smart devices so that when the camera is activated by a visitor on your porch, you are notified. From the convenience of the app you can then see what the camera is seeing. You’ll know exactly who is on your property.

In addition to this, you also have the option of communicating with the individual through the device as well. The individual does not know if you are responding from within the house or from miles away. This puts you in control of the situation. Individuals with bad intentions are often discouraged by this technology because the property owner can see and hear what is going on as well as communicate directly with them. 

Motion Sensor Lights 

Motion sensor lights have been in use for many years, and families can increase the security of their property by installing this easy lighting option. If you do not want to keep your property lit up all night, motion sensor lights are a great middle ground as they only light up when motion is detected in a certain space. 

Reach Out To Us

If you would like to learn more about home insurance, please contact us at VIP Insured, serving Bellevue, WA and the surrounding areas. We will be happy to help. 

Can You Use Classic Car Insurance to Cover Upgrades and Repairs?

As we know at VIP Insured in Bellevue, WA, one of the greatest joys of owning an antique or classic car is restoring the vehicle to its former glory. Taking a car from its initial state to a drivable one is a rewarding, satisfying process that most classic car enthusiasts love. While this can be an exciting hobby, it can also be an expensive one.

To help cover the costs of upgrades and repairs in the restoration process of a classic car, you might wonder if you can use classic car insurance coverage. Here we discuss whether your classic car insurance may be able to help cover some repairs and restoration expenses.

Does classic car insurance cover upgrades and repairs?

As with all policies, the specifics of classic car insurance differ. In general, we may be able to cover some repairs or upgrades in our classic car insurance policy. Sometimes, you might have the option to select additional coverage that meets these unique needs as a classic or exotic car owner. This all depends on the particular policy and provider you use.

Restoring a car exceeds the coverage regular auto insurance can provide. For example, if you are restoring a classic car, the parts for it may be more expensive than typical car parts would be for a modern make and model.

Based on the policy, some insurance may cover collectible parts or allow for a higher limit while you are working on restoring the vehicle. Policies vary between classic car insurance providers. We always recommend speaking with an agent at our office to determine the best policy for your vintage vehicle.

Reach Out To Us!

To start exploring our classic car insurance policies, call VIP Insured in Bellevue, WA today!

How Renters Insurance Could Save Your Finances

If you are currently renting a house or apartment in Bellevue, WA, you should strongly consider renter’s insurance with a provider like VIP Insured. But if you’ve never acquired renters insurance before, you probably have a lot of questions about what it actually covers. So, in today’s guide, we’re going to take a look at how renters insurance can help save your finances:

Why Do You Need Renter’s Insurance?

Renter’s insurance could save your finances in several ways. Here are a few reasons why renters insurance is a smart investment:

Protection For Personal Property

Renters insurance provides coverage for personal property, including furniture, electronics, clothing, and other items in your rented home or apartment. If your personal property is damaged or stolen, your renter’s insurance policy can help cover the cost of replacing those items.

Liability Coverage

Renter’s insurance can also provide liability coverage, which helps protect you if someone is injured on your rental property. In the event that someone sues you for damages resulting from an injury sustained on your property, your renter’s insurance policy can help cover the cost of legal fees and damages awarded in a lawsuit.

Additional Living Expenses

If your rental property becomes uninhabitable due to a covered event, such as a fire or natural disaster, renters insurance can help cover the cost of temporary housing and other additional living expenses.

We Are Here To Help!

Renter’s insurance can provide peace of mind and financial protection for renters. By investing in renters insurance, you can avoid the financial burden of unexpected events that could otherwise lead to substantial expenses.

Are you looking for renter’s insurance in Bellevue, WA? If so, be sure to reach out to us at VIP Insured today for more information!

3 Ways To Prevent Motorhome Theft

Motorhome ownership requires certain safety and security habits just like you practice at home. Our friendly insurance professionals at VIP Insured serving Bellevue, WA and the surrounding areas, are here to help you better understand ways you can prevent motorhome theft. 

3 Ways To Prevent Motorhome Theft 

Change Your Locks Upon Purchase

Just like with a home, you should change your locks when you purchase a motorhome. Remember, someone has a set of keys to the motorhome. There could be several people who have keys to your new motorhome, and you really have no way of knowing who has access. The safest step is to change the locks and have new keys. 

Always Lock Up

Even if you feel pretty safe in the area where your motorhome is parked, it is important to always lock up. Again, this is similar to the safety measures you would take with your home or automobile. 

Security and GPS 

Today, you can install a security system to help keep your motorhome safe. Advertising the fact that your RV is protected by a security system is a great way to deter criminals. Most criminals will simply bypass targets that have their security system advertised. 

You can also have GPS tracking on your motorhome. If the RV is stolen, GPS tracking can help authorities to locate the vehicle quickly. This is one of the best types of modern technology to keep your RV safe. 

Give Us A Call

If you would like to learn more about RV insurance and protection, you can contact us at VIP Insured serving Bellevue, WA and the surrounding areas. We will be happy to answer your questions and help you find the right insurance policy for your needs today. 

Why should people get motorcycle insurance?

Operating a motorcycle in the Bellevue, WA area can be a lot of fun and a good way to get around the community. Those that are looking to own one of these vehicles need to make sure they are safe and properly insured. There are various great reasons why someone here needs to get motorcycle coverage when operating and owning one of these assets.

Why Motorcycle Insurance?

Cover Motorcycle

A reason that many people in this part of Washington will need to have a motorcycle plan is so they can cover their motorcycle. When you purchase a motorcycle or any other type of vehicle or major asset, you will want to know that it is covered if you were to get in an accident or if it was stolen. When you get a motorcycle policy, comprehensive insurance will provide this important coverage. 

Limit Liability Risks

It is also a good idea to get a motorcycle plan to limit your liability risks. While riding a motorcycle is generally safe, there are situations when you could cause an accident. When this occurs, it will be your responsibility to cover any damage that is caused. As these can be significant, liability coverage will be helpful. Further, this type of insurance is required by state law if you want to use the motorcycle on a public road. 

Contact Us Today

As you are looking to buy a motorcycle in the Bellevue, WA area, you can quickly find that choosing a motorcycle insurance plan is important. When you are looking for coverage in the area, calling the team at VIP Insured is a great way to start the process. VIP Insured understands how important this insurance is. We offer the guidance you need to build a plan that provides the appropriate coverage. 

How Car Maintenance Can Decrease Your Chances of Being Involved in an Accident

At VIP Insured, serving the greater Bellevue, WA area, we know that our clients want to do everything they can to reduce their chances of being involved in an accident. There are many things drivers can do to decrease their accident risk, including taking defensive driving courses, driving the speed limit, and properly maintaining their car.

Here are a few of the ways that proper car maintenance can decrease the chances of you being in an accident:

Proper Car Maintenance Ensures Your Tires Are Safe

One of the most common reasons why accidents occur is because tires are bald or not inflated to the correct setting. This prevents the tire from gripping the road and can lead to a blow out. Ensuring your tires are properly inflated and safe helps to prevent accidents. 

Proper Car Maintenance Keeps Your Car Going Straight

Proper car maintenance also helps to ensure your tires are aligned, which helps your car continue on a straight path. This helps to keep you safe when you are driving, while also minimizing the chances of you being involved in an accident. 

Routine Maintenance Minimizes Unexpected Stalling 

Lastly, if your car suddenly dies or stalls in traffic, someone may rear-end you, because they are not expecting you to stop. Routine car maintenance helps prevent this from happening, helping you to stay safer on the roadways. 

Give Us A Call

There are a number of reasons why you want to ensure your car is properly maintained and cared for, including increasing the longevity of your car and helping to maintain the value of your car. However, proper maintenance can also decrease your chances of being involved in an automobile accident. If an accident happens, you want to ensure your car insurance fully covers and protects you.

Reach out to VIP Insured, serving the greater Bellevue, WA area today, to help you get the right car insurance for your needs. 

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