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Tacoma, WA 98405

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Home Security Purchases You Should Consider

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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?

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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

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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

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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?

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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

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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. 

When Does Umbrella Insurance Kick In?

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Umbrella insurance is not a requirement for the residents of Bellevue, WA, but many people choose to purchase this insurance for its many benefits. Umbrella coverage works alongside your various policies and becomes effective when your other protection is exhausted. Your VIP Insured agent can do more to explain the particulars of your insurance policy. 

Umbrella Insurance: Why You Might Need It?

In the event that you file a claim on a particular type of insurance, you will have certain limits on your standard agreement. For homeowners, automobiles, and various other indemnifications, these are usually designed to take care of mishaps that occur with more regularity. For this reason, their caps can be exceeded when something out of the ordinary happens. 

Umbrella insurance is a good investment in the parts of your life where an incident could potentially leave you with large out-of-pocket expenses after regular insurance is insufficient to cover costs. This could be if you have a collection of valuables that surpass normal homeowners’ allotments or if you have a particularly rare vehicle. 

Other times that umbrella insurance may kick in is when you face a lawsuit for the remainder of medical bills or property damage left uncovered by your automobile insurance. Though it’s always necessary that you meet your deductibles on your primary insurance before they pick up costs, umbrella insurance usually does not have such provisions. 

When a driver who is uninsured or underinsured causes a collision with major financial ramifications, umbrella protection can help alleviate the impact. The Insurance Research Council estimates that as many as 1 in 8 drivers is operating a motor vehicle without insurance. 

We Are Available to Help

VIP Insured faithfully serves those who live in the greater Bellevue, WA community, and we invite you to stop by the office, visit us online, or call. We look forward to meeting your indemnification needs. 

Things that home insurance won’t cover

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You may feel invincible with your home insurance. No matter what carrier you have your policy with, it provides loads of great coverage, but it does have exclusions, and knowing what they are can help you be prepared for them. At VIP Insured in Bellevue, WA, we have more than 50 years of combined insurance experience, and we work hard to make sure our customers have all the information they need to make educated insurance choices. 

Home Insurance Exclusions

Flooding

As this year’s hurricane season shows, flooding is a very serious threat to homeowners. The fact that your home insurance doesn’t cover flooding is something you need to consider carefully. Optional coverage is available from the NFIP (National Flood Insurance Program) and if there is any possibility that your home could be devastated by a flood, having this coverage makes good sense. 

Earth Movement

Earth movement is not just one thing. It includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, you can be pretty sure that your home insurance is not going to cover the resulting damage. If this is a worry you have, you can purchase additional coverage to protect yourself. 

Owner neglect

This is one exclusion that most people probably don’t think about, but it is very real. The insurance company expects that you are going to make any repairs that your home needs in a timely manner, and they can cancel your policy if they ask you to fix something, and you don’t. Repairs also mean preventative actions like treatments for termites and rodent infestation. 

Sewer backup

If the sewer backs up into your home, the damage and cleanup are on you.  You can get a rider to cover sewer backup.

Give Us A Call

Contact VIP Insured in Bellevue, WA with any home insurance questions you have.

What does Classic Car Insurance Cover?

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There is no widely accepted standard definition for a classic car, but it is standardly a car that increases in value over time and is considered a collectible item. Classic cars are used differently than other cars – you are unlikely to take your kid to football practice in a 1964 muscle car. As an antique or classic car owner, you drive carefully and avoid unnecessary risks.

As a result, classic car insurance is often cheaper than standard car insurance because it considers how the owner is likely to use the car, and careful driving is rewarded.

What does Classic Car Insurance Cover?

Standard auto insurance provides coverage for liability, medical, and property. Washington state law requires liability coverage regardless of the vehicle’s age. However, there are other coverages you may also want to consider.

As a classic car owner, you know the struggle of finding matching parts for your car, and you want insurance that will provide specialized repairs if there is an accident.

Classic car insurance can include specialist services, such as towing and repairs for antique cars. There is also a claims process for rare parts that may otherwise be difficult to find.

Coverage can include:

  • Expert bodywork
  • Specialized mechanics
  • Safe care transportation
  • Hard-to-find parts

A classic car insurance policy treats the value of your auto differently – the value of many antique vehicles increases with the age of the automobile – and is a great way to maintain the value of your purchase.

Looking for Classic Car Coverage in Bellevue, WA?

VIP Insured can help you identify if your classic car qualifies based on various factors, including age, typical use, modifications, and more. If you are looking for expert insurance advice in the Bellevue, WA community, contact us at VIP Insured.

The Most Common Mistakes People Make With Their Renters Insurance

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Renting a home comes with many responsibilities – from ensuring the rent is paid on time to keeping the property in good condition. And one of the most important responsibilities is to have adequate renters insurance. Unfortunately, many renters make some common mistakes when it comes to their insurance policies. Consult with VIP Insured in Bellevue, WA for expert insurance advice.

Here are some mistakes for you to avoid: 

1. Not Getting Enough Coverage

One of the most common mistakes people make is not getting enough coverage. Your renters insurance should cover your personal belongings and any liability risks you may face. Make sure to speak with your insurance agent to determine how much coverage you need.

2. Not Updating Your Policy Regularly

Your renters insurance policy is not a one-time purchase – it’s something you need to keep up with over time. As your life changes, so too should your policy. If you move to a new apartment, get married, or have a child, be sure to let your insurance agent know so they can adjust your coverage accordingly.

3. Not Reading the Fine Print

It’s important to read through your policy carefully so that you understand what is and isn’t covered. There may be some exclusions you’re unaware of, so it’s best to know before you file a claim.

4. Not Shopping Around

When it comes to insurance, it’s important to shop around and compare rates. Just because you’re happy with your current policy doesn’t mean you can’t find a better deal elsewhere. It’s worth taking the time to compare quotes from different insurers to make sure you’re getting the best possible rate.

5. Making Assumptions

Never assume that your policy covers something – always check with your policy documents or your insurance agent. For example, many people assume that their belongings are automatically covered if they’re stolen from their car. However, this isn’t always the case – in some instances, you may need to purchase additional coverage for items that are stolen from your vehicle.

Give Us A Call

Avoiding these mistakes ensures you’re getting the most out of your renters insurance policy. If you have any questions about your coverage, or if you’re ready to shop around for a new policy, VIP Insured in Bellevue, WA can help. Contact us today to get started.


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