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Tacoma, WA 98405

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What Doesn’t Umbrella Insurance Cover?

Shopping for umbrella insurance in Bellevue, WA requires careful care and consideration. For example, it’s easy to understand what umbrella insurance covers and what benefits it offers, but many may not know what umbrella insurance doesn’t cover.

Having a solid grasp of its limitations can make it easier to determine whether or not having this type of insurance coverage is a good fit for you. We here at VIP Insured are dedicated to giving you all the information you need in order to shop for umbrella insurance with confidence, including information about what umbrella insurance won’t offer coverage for. 

What Doesn’t Umbrella Insurance Cover?

An umbrella policy is an excellent policy to consider if you’re looking to receive additional liability protection. However, this may leave some with more questions than answers. What won’t umbrella insurance cover when you sign up for a policy? Some things to know about what umbrella policies are unable to do include: 

  • Umbrella insurance is supplemental insurance, which means that it won’t cover the costs that home or auto insurance does. An umbrella policy is added as extra protection for your other policies. 
  • It won’t cover injuries you face on your property or intentionally reckless acts that cause damage to your personal property. 
  • It won’t protect you in the case of intentional and criminal acts. 
  • Business owners won’t benefit from umbrella policies as this type of insurance is designed for personal liability protection. You would need commercial umbrella insurance. 

Is Umbrella Insurance Right for You?

If you live in the Bellevue, WA area and know that an umbrella policy would support you based on the information provided above, we invite you to reach out to us here at VIP Insured to learn more about umbrella insurance and how you can get started. Get your quote today and get the coverage you deserve. 

6 Misperceptions About Home Insurance of Which to be Aware

If you currently own or are considering the purchase of a home in the Bellevue, WA region, you may be required to secure home insurance. This is particularly true if you are financing your home. VIP Insured is here to help.

There are, however, many misperceptions about home insurance.

Here are six of them:

1. Flood Insurance is Included

This is not true. Homeowners who wish to be covered from damage due to flooding must secure separate flood insurance coverage.

2. Once Home Insurance is Purchased, You Can Forget About It

You should monitor home insurance every year or two to make sure your coverage is keeping up with inflation, increasing home values, and improvements.

3. Home Insurance Protects from Infestations

This is a misperception. Damage from insect or animal infestations is not generally covered by a standard homeowners insurance policy.

4. Jewelry and Antiques are Fully Covered

This is only partially true. While most home insurance will cover valuables, coverage of collections is usually limited by the terms of the policy. If you have a large collection of valuables, additional coverage may be prudent.

5. My Dog Needs to Bite a Visitor for There to be a Claim

In actuality, if a visitor trips and falls while trying to escape your barking dog and injures themselves, you could be subject to a liability claim.

6. All Home Insurance Is The Same

Where and who you get your home insurance makes a difference. It can impact your premium, customer service, and coverage.

Reach Out To Us

VIP Insured is pleased to offer a variety of personal insurance products, including home insurance, for Bellevue, WA area residents. Should you have questions about your home insurance, would like to have a review, or wish to have a price quote, reach out to us. We are here to serve you.

Vintage Car Auction Insurance: Coverage for Buyers and Sellers

Vintage car auctions in and around Bellevue, WA are exciting events where automotive collectors converge to buy and sell classic automobiles. In the dynamic atmosphere of these auctions, buyers and sellers must have the right insurance coverage.

Coverage for Sellers: Protecting Assets Until the Gavel Falls

Critical considerations for sellers include:

  • Transportation Coverage: Protects the vintage car during transit to the auction venue, covering potential damage or loss during transport.
  • On-Site Coverage: Ensures the vintage car is protected while on display at the auction venue, guarding against damage, theft, or other unforeseen incidents.
  • Contingent Coverage: Some sellers may consider contingent coverage that takes effect if the buyer’s insurance falls short, providing an additional layer of protection.

Coverage for Buyers: Ensuring a Prized Acquisition

Buyers at vintage car auctions also need comprehensive insurance coverage. Critical aspects of coverage for buyers include:

  • Agreed Value Coverage: Establishes a predetermined value for the vintage car, ensuring that the buyer receives the agreed-upon amount in case of a covered loss.
  • Title and Ownership Protection: Provides coverage in case of disputes over title issues or challenges to ownership that may arise after the purchase.
  • Transportation Coverage for Delivery: If the vintage car needs to be transported to the buyer’s location, insurance should cover potential damage during transit.

Navigating Policy Options and Fine Print

Whether buying or selling, individuals involved in vintage car auctions should carefully review insurance policies to understand coverage limits, deductibles, and any specific conditions or exclusions. Working with insurance providers experienced in the unique requirements of vintage car transactions ensures that policies align with the nuances of classic automobile dealings.

VIP Insured Can Help You

At VIP Insured, we can help answer questions concerning classic car insurance. We serve the Bellevue, WA area. Contact us today. 

4 Good Reasons To Get Renters Insurance Coverage

Just under half of Bellevue, WA residents rent their homes, according to the latest Census statistics. Many of them understand their landlord owes them a safe place to rent. But what they don’t "owe" is protection against theft and unforeseeable accidents including fire and weather-related events.

Importance of Renters Coverage

We just gave you two good reasons for renters to purchase insurance to cover themselves and their belongings. And yet, only about 40% of renters buy this insurance.

Theft is, unfortunately, a fact of life. Some people will steal anything that isn’t nailed down. We’ve even heard of people whose bicycles are stolen off a bus bike rack!

By the way, this kind of theft would be insured through a renter’s policy.

Anyone who’s lived around here the past few years has witnessed crazy weather. While rain has historically dominated our weather, the past couple of years have featured tornadoes. The drying climate has increased fire danger. Renters insurance covers damages from these events and will pay for a hotel room and meals while your residence is restored.

Here are two more reasons renters should cover themselves with renter’s insurance:

  1. They cover losses even when you’re not home. This means you can get compensation for computers, jewelry, artwork, clothing, furniture, and whatever else you deem worthy of protection if they’re stolen or damaged, and you aren’t responsible.
  2.  Renter’s insurance is really affordable. Our customers here in Bellevue WA are amazed at how little it costs them to insure themselves and their belongings. A renter who is VIP insured pays a fraction of what the homeowner pays.

VIP Insured Is Here To Help

Life happens, and insurance can buffer the hit. If you rent in the Bellevue, WA area, contact VIP Insured for a free estimate.

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!

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