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Tacoma, WA 98405

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Renter’s Insurance Vs. Homeowners Insurance: What Are the Similarities?

If you’re trying to determine whether you should rent or purchase a home, there are many things to consider. Firstly, you should consider how long you plan to stay in a particular area. If you plan to stay indefinitely, purchasing a home can be an excellent investment. However, if you only plan to stay for a short while, it wouldn’t be a good idea to tie yourself down with a home. Another thing that you should consider is insurance. There are many differences and similarities between renter’s and homeowners insurance, and here is a brief overview:

Coverage for Your Belongings and Beyond

Homeowner’s insurance is similar to renter’s insurance because they both provide coverage in the event of a disaster. Whether it’s a break-in, fire, or some other event that causes you to file a claim, you can usually receive compensation depending on the specifics. However, homeowners insurance covers the dwelling itself and the property it houses, while renter’s insurance covers personal belongings inside the home. 

Cost Difference

If you’re on a budget and can’t afford maintenance and repairs, perhaps renting is best for you. Not only are repairs and maintenance of a rental home the homeowner’s responsibility but as a homeowner, you would likely pay a higher insurance premium than a renter. 

So, if you ultimately decide to rent, you will likely need a good quality renter’s insurance policy. If you’re a Tacoma or Bellevue, WA resident, you should consider us at VIP Insured as your insurance provider. At VIP Insured, we go above and beyond to ensure our Tacoma and Bellevue, WA, customers are catered to in every way. We provide top-quality coverage, and our customer service is top-notch. Call today for a quote.  

Possible Risks Your Motorhome May Experience

While motorhomes and RVs can be a lot of fun, they can require a bit of upkeep and have certain issues. Problems can lead to extra costs, travel delays, and other situations. Here are a few of the most common owners cope with.

Water Leaks

Should the outdoor elements find their way into the unit via cracks, age, or other damage, they can result in significant issues. Make any repairs as soon as you notice leaks to avoid situations with the interiors, electrical systems, appliances, and destroyed furniture.

Tire Blowouts

Owners tend to go off-road in their RVs, making for a bumpy ride that can wear out tires. Additional pressure and weight may also cause damage. Blowouts on the road can result in accidents or injuries, especially at higher speeds. Check the tires frequently and keep up with maintenance.

Toilet Malfunctions

Toilet problems can be stinky and highly inconvenient for occupants, so staying prepared to handle minor issues on the road is essential. Over time, gaskets, seals, and valves wear down, but routine maintenance can help stave off toilet issues, including water backups.

Losing Battery Life

Just like most power-operated systems, such as home power, car batteries, and other electrical devices, the batteries in your RV can suddenly fail. This may be due to age, leaving on connected systems, or age. Check the battery regularly, and have a spare on hand for long road trips as a backup.

Be Prepared For Motorhome Issues

When well maintained, certain costly RV issues may be covered by your traditional policy or under a supplemental or add-on to your coverage. Be sure to ask an agent today to review your policy before hitting the road. If you need insurance or have questions, contact VIP Insured in Bellevue, WA.

Motorcycle Upgrades That Could Affect Your Insurance Policy

You could make several upgrades to your motorcycle, which might require increasing your insurance coverage type and amount. When you’re ready to modify your motorcycle policy, contact one of our Bellevue, WA, agents.

Chrome

Chrome body parts, tailpipes, and other motorcycle pieces can significantly enhance your motorcycle’s aesthetics and function, which can, in turn, increase its value. If you decide to add new chrome to your motorcycle, be sure to document the parts you purchase. This will help you determine the amount of additional coverage you need to add to your existing insurance policy.

Lights

New lights can enhance your motorcycle’s safety and increase its value. Once the new lights are installed, document the upgrades and seek additional coverage to protect the new materials.

Anti-Theft Devices

Investing in anti-theft devices can lower your liability risk. Once you have installed new anti-theft equipment, your motorcycle is less likely to be stolen or vandalized. GPS systems, alarms, and locks are among the anti-theft devices that could impact the insurance coverage type you need.

Mechanical Parts

New mechanical parts installed on your motorcycle can extend its lifespan, add value to your ride, and enhance your safety while riding. Document all mechanical parts installed by your mechanic.

Reach out to VIP Insured

Contact one of our VIP Insured agents to review your chosen upgrades. After the discussion, they can change your insurance policy to ensure it provides the proper coverage.

Beyond Liability: Understanding Comprehensive and Collision Coverage in Bellevue WA

Comprehending Comprehensive and Collision Insurance in Washington

Abiding by auto insurance requirements in Washington is not just a legal mandate but an intelligent decision. Basic liability insurance, however, does not shield your vehicle from collisions or non-collision-related happenings. Delving into the distinctions between comprehensive and collision insurance is essential for Bellevue, WA drivers aiming to safeguard their auto investments. Friendly insurance agents at VIP Insured are eager to assist you in this process.

Fundamentals of Comprehensive and Collision Coverage for Washington Drivers

Comprehensive and collision insurance is an enhanced form of auto insurance that extends protection to drivers from accidents and non-accident incidents. Also known as full-coverage insurance, this affords financial protection and security from a broad range of driving-related perils. Here’s a glimpse into the sphere of protection provided by this coverage:

  • Damage from Natural Disasters: Natural disasters can wreak havoc at any moment, leaving a trail of destruction. This can include flooding, power outages, and fires. Comprehensive auto insurance provides a safety net against out-of-pocket expenses related to auto damage caused by such natural forces.
  • Property Damage from Theft or Break-Ins: Comprehensive insurance provides additional coverage for damages caused by attempted auto theft or break-ins, further enhancing your vehicle’s protection.
  • Animal Encounters: An unexpected collision with a large animal, such as a deer, can cause serious damage to your car. Here’s where collision insurance comes in to defray the cost of damage, repair, or vehicle replacement, ensuring peace of mind.
  • Emergency Roadside Assistance Benefits: Available as optional add-ons to most policies, Emergency Roadside Services (ERS) offer roadside support for breakdowns, lockouts, tire changes, and towing within policy limits.

Speak with a licensed insurance agent at VIP Insured in Bellevue, WA, today to get your quote! We’re here to provide the guidance and information you need to make informed decisions.

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.


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