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4 Key Benefits Of Umbrella Insurance

VIP Insured serves the Bellevue, WA community. We help our clients find policies to help protect their assets and navigate risks. We are an independent agency. We are proud to work with several carriers throughout the Pacific Northwest. We believe that we can help you find a custom policy designed to protect your assets.

4 Key Benefits Of Umbrella Insurance

Sometimes you just need extra coverage. There are some situations when things happen that you are not prepared for. If you don’t have a safety net in place, everything that you’ve worked for could be in jeopardy. Umbrella insurance protects you in these situations. If you are involved in a serious liability situation regarding your home or auto insurance, umbrella insurance adds another layer of protection to prevent you from possibly losing everything due to impending legal action. Here are some ways that umbrella insurance benefits you.

You Have An Inexperienced Driver

Perhaps you are a parent and your teen has just received their permit. The first few years of driving can be bumpy for many adults. If your teen accidentally injures someone while driving or causes substantial property damage, you can rely on umbrella coverage.

You Have High Risk Accessories

Perhaps you have a trampoline or swimming pool at your Bellevue WA residence. While these are fun items to have, especially if you are throwing a party, they are also very dangerous. Someone can suffer a serious injury. These are common situations where umbrella insurance can protect you against possible legal action.

You Give Advice

If you give advice, you’re at risk of possible allegations regarding slander and defamation of character. Umbrella insurance covers you.

You Have Pets

If your pet is having a bad day and attacks someone, you’re at risk. Depending on the severity of the injury, umbrella insurance can prevent you from losing your assets.

VIP Insured Can Help You Find The Right Policy

Visit our website to learn more information about umbrella insurance.

Does Home Insurance Cover Valuables in Your House?

Staying Protected With Homeowners Insurance

Your homeowner’s insurance covers a variety of factors that include structural damage, liability protection, and some personal belonging coverage. Typically, items like furniture, clothing and some other valuables are included in your homeowner’s policy. However, more expensive items such as jewelry or other high-dollar items may require additional coverage. Luckily, there are some simple ways to ensure your most valuable possessions are covered from loss and damage.

The team at VIP Insured of Bellevue, WA can walk you through your homeowner’s insurance policy so you know what it covers. Keeping your valuables protected is important and having the right coverage will ensure you can rest with peace of mind.

Protecting Your Valuables

Unforeseen events such as fires or thefts can leave you at a loss when it comes to your valuables. Without adequate coverage, you may face hard financial losses that can be emotionally challenging. There are ways to protect your most valuable items beyond standard homeowners insurance. Additional personal property insurance can be purchased to mitigate costs of replacement in the event of an accident or theft. Another way to protect your valuables is to raise the liability limit on your homeowner’s policy. Aside from these measures, purchasing safes and other forms of security are ways to reduce theft and loss of valuables. Speaking with a qualified insurance agent will help you define what your specific needs are.

Professional Insurance in Bellevue

Contact VIP Insured of Bellevue, WA to speak with one of our knowledgeable agents to discuss homeowners insurance quotes. We have helped countless individuals understand what their homeowner’s insurance covers, and what it doesn’t. Our team looks forward to helping you find the best rates and policies available.

How Does Classic Car Insurance Work?

If you have a classic car, it’s a great way to show off your interests and to have a vehicle that is different from the norm. Many people love their classic cars, and having classic car insurance is one way to take care of it. If you are interested in this type of insurance, give us a call now at VIP Insured in Bellevue, WA.

The Age and Make of Your Classic Car

One of the criteria for getting classic car insurance is simply whether what you have is a classic car. A classic car may be one that is at least 10 years old and has some kind of historical significance, or it may be considerably older. There are some insurers that will insure a 10-year-old car as a classic car and some that prefer it to be 25 to even 50 years old or older. It all depends on the individual insurer. If you feel that your car is a classic car, be willing to give reasons why it is so. 

Setting a Value

You are required to have bodily injury liability and property damage liability as a part of your auto insurance, but you can also add to those coverages. If you want to cover it for damage or replacement in an accident, you will need collision coverage. For classic cars, this coverage often has a stated maximum amount, as classic cars can go up in value over time. 

Covering Your Classic Car

Even if you don’t use your classic car very often, it has to have insurance on it. This is a smart way to keep it protected so that you aren’t drowning in medical and property damage bills after an accident. If you need this insurance type, contact us at VIP Insured in Bellevue, WA.

How Renters’ Insurance Works

Renting a home requires protecting yourself with a renters’ insurance policy. These policies offer a number of different kinds of coverage that are all included in one policy. To keep yourself protected with a renters’ policy, give us a call now at VIP Insured in Bellevue, WA.

Protect Your Belongings

Renters’ insurance includes protection for your possessions that are inside your rental. This protection helps you to replace or repair your items when a covered event happens that damages them. Without this coverage, it would be extremely expensive to try to replace all of your items on your own. This coverage allows you to get back to your normal life much faster. 

Covering Your Liability

Even if you are renting your home, you can be liable if someone has an accident there. You can be found at fault for an accident in which someone was injured inside your home, and this means you would have to pay the medical bills that resulted from it. Without renters’ insurance, it could be extremely difficult to come up with the money to pay these medical bills. Medical expenses rise fast, and you don’t want to be responsible for paying them for an accident. Luckily, your renters’ insurance comes with protection against this situation. 

Inhabitable Home

If your rental were to become uninhabitable because of a disaster, accident, or some other incident, you would have to move out so that the building could be repaired. With renters’ insurance, this move and the resulting living expenses can be covered by the policy. This makes it easy to live somewhere that is inhabitable for the duration of the repairs. 

Get Your Renters’ Coverage

If you are renting a home, you need renters’ insurance to keep you protected. To find out more, contact us at VIP Insured in Bellevue, WA.

Does a Motor Home Need Coverage for Short Trips?

Riding a motor home on short trips is often a fun way to go camping or experience new places near you. But do you need a policy if you rarely take your motor home more than an hour from your home? Absolutely! And we at VIP Insured can help Bellevue, WA owners find coverage that works. 

Why Motor Home Insurance is a Wise Investment 

Whenever you hook up your motor home and take it on a trip, you are putting it and your financial investment in potential peril. That’s because you could crash during even a short trip, experience a breakdown while you ride, or even get injured. These policies can thankfully cover this problem and even help you out while living in the motor home. Just a few coverage options for this vehicle include:

  • Comprehensive collision coverage 
  • Liability payments for crashes 
  • Uninsured motorist help 
  • Medical payments after crashes 
  • Roadside assistance help 
  • Total loss replacement 
  • Vacation liability help 
  • Full-timer’s liability coverage 

This type of coverage is beneficial whether you’re going on a short or long trip. While it is true that your potential for problems does decrease when you go on shorter trips, there’s nothing that says you won’t experience emergencies during your trip that require loss coverage and suitable replacement. You can even get help covering your pet if they are injured while you are staying in your motor home. 

Help is Available 

If you own a motor home that you take on various trips and want to minimize your potential financial loss, it is wise to talk to us at VIP Insured. We’ll help you get the Bellevue, WA insurance policy that you need to cover your vehicle and give you the necessary help for your financial investment needs.

Who should get RV insurance in Washington?

People in the Bellevue, WA area are well aware of the natural beauty and variety of parks that surround this area of the state. Due to this, finding a way to explore and enjoy all that this part of Washington has to offer is quite important. As you are looking for a way to maximize your experience in this part of the state, investing in an RV can be a great option. Along with an RV, you should get an RV insurance plan. This coverage is needed for several reasons.

Protect RV 

A key reason that you should have an RV insurance plan in this area is so you can protect your RV. If you are going to invest in an RV, you will want to enjoy it and have access to it for a long time. If you insure it properly, you will get coverage to offset the risks associated with theft or accident damage, which will allow you to continue to enjoy your RV for years to come.

Liability Protection

You should also have RV insurance for the liability protection benefits. RV owners take on unique liability risks which include the risk that you could cause an accident or someone is hurt while visiting you when not on the road. A full RV plan will protect against all of these concerns. 

Those that are in the Bellevue, WA area and are RV owners should always invest in an RV insurance plan. As you are looking for a policy in this part of the state, speaking with VIP Insured is a good option. There are plenty of choices to make when looking for this coverage. The team with VIP Insured can help you properly assess your options and choose a new insurance plan. This will ensure you remain properly covered at all times. 

Do you always need motorcycle insurance in Washington?

In the Bellevue, WA area, the nice weather can make it a great place to own a motorcycle for most of the year. When you own one, you will have an efficient mode of transportation that is also fun to operate while enjoying the natural surroundings. As you are looking for a new motorcycle here, you should also get a motorcycle insurance plan. This coverage is typically needed for a few reasons. 

Lenders require coverage

The cost of a motorcycle can be significant, and some people may finance the purchase using a loan. If you take out a loan, your bank will want you to carry insurance until the loan is repaid. This will usually include requiring you to have a motorcycle insurance plan with collision and comprehensive coverage. This way, the asset will be protected if it is stolen or damaged in an accident. 

Coverage is a State Requirement

If you intend to use your motorcycle on a public road in Washington, you will also need to retain coverage to ensure that you can stay in compliance with state laws. Any motorcycle owner in Washington will have to carry liability insurance at all times. This coverage is helpful as it ensures you have support to pay for damages if you cause an accident. If you do not carry this insurance, you could face penalization.

Those that would like to get a motorcycle insurance plan here should speak with VIP Insured. The team with VIP Insured continues to help people all over the Bellevue, WA area with their insurance needs. They can help you assess your situation and give the guidance you need to choose a plan. This will help ensure that you stay in compliance with your insurance requirements and are properly protected. 

How Does Condo Insurance Work?

If you own a condo, the chances are that your mortgage lender and your condo board both require that you have condo insurance coverage. If you don’t have your condo policy in place yet, call us at VIP Insured in Bellevue, WA to find out more. 

Coverage for Your Possessions

One of the most important parts of a condo insurance policy is that it covers all of the owned items that are inside. Your possessions are important to you, and it would be challenging to replace them all without insurance coverage. Several calamities and accidents can result in your things being ruined or destroyed, and having this coverage is a good way to stay protected against them. 

Coverage for Part of the Dwelling

When you own a condo, you don’t own the entire dwelling itself. You own the interior portions, but how deep that goes depends on your specific contract. For some condos, your ownership ends at the interior portion of the walls that face the exterior. In others, you also own what is inside the walls, making you responsible for much of the electricity and plumbing. Your condo insurance policy must take into account exactly which portions you own and must have insured. 

Coverage for Disasters

If there is a disaster or calamity that makes your condo uninhabitable, your condo policy will pay for you to move in somewhere else. It may also provide for many of the expenses involved in moving to a safer place. This type of coverage is essential for protecting your standard of living. 

Call an Agent

To talk to an agent about the condo insurance you need, call us at VIP Insured in Bellevue, WA.

What Does Boat Insurance Cover?

Whether you are boating in Lake Washington or San Juan, purchasing boat insurance from VIP Insured, located in Bellevue, WA, can help make you stay relaxed while enjoying the waters. We understand that you and your boat are inseparable. That’s why we provide watercraft insurance that provides optimal protection to your precious asset.

Does watercraft insurance cover boats only?

The simple answer is no. Watercraft insurance extends to other water vessels like: 

  • Jet Ski
  • Fishing boats
  • Yacht 
  • Sailboats
  • Speedboats

Why you need boat insurance

Whereas boat insurance isn’t a mandatory requirement in Washington, you may need boat insurance if financing your boat through a facility from a financial institution. You may also need insurance if you operate a vessel that carries passengers. And finally, you need watercraft insurance to cover your boat against damages and for peace of mind while boating.

What boat insurance options are there?

When you partner with the right agency, they will discuss with you the below boat insurance options:

  • Property damage: Protects your boat from damage or theft when off or on water.
  • Medical payments: Covers for medical expenses arising from boat-related accidents
  • Liability: Protects you from liabilities when your boat causes property damage or bodily injury to a third party.
  • Uninsured/underinsured coverage protects you if you are involved in an accident with an uninsured /underinsured boater.
  • Emergency assistance: When your boat stalls in water, and you need gas delivery, battery swap, or towing, this insurance saves the day in such incidences. 
  • Personal effects coverage: Protects against personal belonging such as sporting equipment inside your watercraft.
  • Fuel spillage and wreck removal to protect you from penalties, fines, and other liabilities following your boating accident.  

Don’t let a boating accident dampen your moods. Purchase insurance today from VIP Insured serving Bellevue, WA, and the surrounding areas. After collecting details about your vessel, our team of experts will compare numerous boat insurance options and select those that complement your needs. 

Auto insurance tips for new drivers in Washington

Washington state requires that all drivers carry liability insurance. While shopping for auto insurance isn’t as fun as shopping for the car itself, it is always a good idea to take your time and familiarize yourself with state requirements before making any insurance purchase. At VIP Insured, we recommend speaking to an auto insurance expert about the cost and coverages that work for you. Here are other insurance tips we thought you should know:

Shop Around for Better Rates

Insurance policies in Bellevue, WA are not always cheap, but you can always get the most out of your policy if you shop around. Sometimes it is wiser not to go with the big names in the industry, particularly if you are a new driver, but choose a company with special rates for new drivers. Of course, your auto insurance rates are going to be higher than rates of more skilled drivers, but it will be far less than what big companies charge.

Take a Defensive Driving Course

Some insurance companies charge better rates for drivers with an approved defensive driving course. Ask your insurance agent about these discounts before signing up for a class and determine whether it is worth the cost. New drivers are difficult to insure because they are not fully accustomed to the roads and their rules. That’s why it is critical to invest in driver education. There are many classes available today that aims to make everyone a better driver. Insurance companies can trust your driving skills and lower your premiums.

Take Advantage of Discounts

Insurance companies use different channels to provide their customers with discounts. For instance, your insurance company can give a discount if you buy more than one policy, such as home and auto insurance. If you also wish to add more cars to your policy in the future, your insurance can also give discounts.

Getting your first auto insurance policy may seem intimidating, but it’s all worth it if you put in the effort. If you are looking to buy auto insurance in Bellevue, WA, VIP Insured is here to guide you through the steps and make sure you find a policy that fits your needs. Contact us today!

  • Allied
  • Assurant
  • Chubb
  • Dairyland
  • Direct Auto Home
  • Encompass
  • MetLife
  • Metromile
  • Mutual of Enumclaw
  • National General
  • Nationwide
  • Progressive
  • QBE
  • Safeco
  • Travelers

Servicing States

  • Washington
  • Arizona
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

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