Am I required to carry motorhome insurance all year?

A motorhome is a convenient way to travel without losing the comfort of a home. However, unlike a home, your motorized home is on wheels and navigates the freeways and roads like a car. Other forms of RVs and trailers without a motor and wheels differ from motorhomes and therefore have different laws that govern them. Our Virginia Beach, VA team at Armor Insurance Group is committed to making sure motorhome owners get the coverage they need for their motorhomes.

What is Motorhome Insurance?

Motorhome insurance is similar to auto insurance in that it provides coverage for repairing or replacing your motorhome and liability coverage for personal injury to others or damage to other people’s property. Motorhome insurance is also similar to homeowners insurance. You can add different types of coverage to your policy to suit the unique needs of your motorhome and lifestyle. In essence, your motor home is a car. As a result, regardless of how frequently or infrequently you drive your motor home, some states require you to carry insurance.

I Drive my Motorhome Once a Year. Am I Required to Carry Motorhome Insurance?

Not all states require motorhome owners to carry insurance. Virginia is one such state. Motorhome owners aren’t required to carry insurance. Car insurance isn’t required either. However, if you’re financing your motorhome, the lender will probably require you to carry motorhome insurance. Although the state may not require you to carry motorhome insurance, your lender may, regardless of how frequently you drive your RV or motorhome. If you have questions about motorhome insurance and its benefits, we can help. Call us. We’d be happy to help you explore your options. 

Boats Need to be Insured Too – Get Boat Insurance

Do you own a boat? Is it insured? If not, Armor Insurance Group, which serves the Virginia Beach, VA area, can help you.

Boat insurance provides protection from damage or injuries you cause to others while on your boat. This insurance can cover the boat and trailer if stolen or vandalized. Boat insurance covers the following types of boats:

  • Fishing boats
  • Personal watercraft, such as Jet Skis and Wave Runners
  • Pontoon Boats
  • Powerboats
  • Sailboats

For added protection, you can purchase additional coverage, such as uninsured/underinsured (UB) coverage.

Boat insurance works like car insurance. If you damage your boat or cause damage or injury to someone else, you file a claim. If the event is covered, the insurer pays for the injuries or losses up to coverage limits.

Many think their boat is covered under their homeowners’ insurance policy. That is incorrect. At the same time, it will provide coverage for a small boat while on your property, it will not provide the coverage you need on the water.

Here is the standard coverage available in a boat insurance policy.

  • Liability pays for injuries or damages to others up to policy limits
  • Physical damage coverage includes both collision and comprehensive, including damage from events out of your control, such as theft, fire, or weather, or a collision with another boat, regardless of fault
  • Uninsured/underinsured (UB) pays for injuries if a boater hits you with no or little insurance

If physical damage is due to an incident involving components such as fuel tanks, hulls, fittings, furnishings, anchors, motors, batteries, and safety equipment, it will be covered.

A standard boat insurance policy will cover removing the wreckage if your boat sinks and will also cover fuel spills.

The Armor Insurance Group will provide a no-obligation quote or answers to any questions. Contact them today.

What Kinds of Businesses Need Umbrella Insurance?

Whether you have a startup business or a large corporation, you need to understand what kinds of companies need umbrella insurance from Armor Insurance Group, serving Virginia Beach, VA. It is important to get the right type of insurance because not all policies are designed to cover the same risks.

For example, if your business focuses on construction, you have a higher risk of employee injuries and property damage. Adding umbrella insurance can help protect your assets in a major lawsuit.

Umbrella insurance works in conjunction with other business insurance policies to provide an additional layer of protection. The insurance policy is not designed to cover intentional damage but offers a higher limit than many standard general liability policies.

Many business owners feel their current general liability coverage is adequate to protect them from liability claims. This can be true, but there are times when a major lawsuit can threaten the very existence of your business.

Umbrella insurance is also helpful for companies that handle clients’ property. If your business has an office in an office building, it is important to make sure that you have enough protection to protect yourself from the risk of damage to the building.

Umbrella insurance is available for small and mid-size businesses from Armor Insurance Group serving Virginia Beach, VA.

Umbrella insurance isn’t mandatory, but it’s a good idea for most businesses to have some coverage. This type of insurance offers an additional layer of protection to help your business get through the most stressful times. It can be used as a supplemental policy to your primary liability protection plan. It’s essential to research your coverage options before making a decision. Contact your insurance company representative today to learn more about whether you could benefit from umbrella insurance.

Why Everyone Needs Flood Insurance

Many people don’t think much about flood insurance unless they experience a flood. Many people also believe that floods, like other disasters, are covered by their home insurance. However, a home insurance policy does not cover this type of incident. Floods can happen just about anywhere, so it’s important to have flood coverage that will protect you from it. If you don’t have flood insurance, you need to call us at Armor Insurance Group in Virginia Beach, VA to find out more and get started with your own policy.

Flood Zones

Certain areas are designated as flood zones. Some are designated as 50 or 100-year flood zones, and some occur more frequently. Having flood insurance is crucial if you are in one of these zones. It will likely be required by your lender that you have this insurance in place when you buy the property. However, not all floods are in flood zones. Among flood claims, about 20% of them come from areas outside these zones. Many areas can flood, so it makes sense always to have flood insurance whether you’re in one of these zones or not. 

The National Program

Flood insurance is provided through the National Flood Insurance Program. This government-backed program is available to homeowners to protect their property and their finances against floods. The policy has a price set by the program, so no matter where you buy it, it will always have the same price. Make sure you have flood insurance to protect yourself against flooding. 

Get Your Coverage

If you don’t yet have a flood insurance policy, you need to call us at Armor Insurance Group in Virginia Beach, VA to get your own policy.

Three features Virginia Beach condo owners should look for in their insurance policy

Virginia Beach, VA area condo owners can rely on the folks at Armor Insurance Group to help with all their insurance needs. Protecting your condo requires a policy that meets your individual and unique needs. Let us help you find an appropriate policy today.

Three features Virginia Beach condo owners should look for in their insurance policy.

Owning a condo often means enjoying a less stressful lifestyle. Before choosing your condo insurance policy, be sure to consider these factors:

  1. Comprehensive damage protection – while condo units may require less maintenance than a home, there is still a need for comprehensive protection when it comes to damage. Before selecting a policy, fully understand your condo board’s stipulations and requirements.
  2. Liability coverage – ensure you are protected if someone is injured or experiences a loss while in your condo unit. No one wants to be held financially responsible for an accident, which makes liability protection even more critical. 
  3. Sufficient policy limits to meet their needs – determine precisely how much insurance you need to protect your condo fully. Your lender or condo board may also have policy limit requirements, so be sure to check for those before obtaining your condo insurance policy.

We are here to help you determine your coverage needs and then help you select a policy that provides the insurance protection you need. 

Let us help you with all of your insurance needs.

Armor Insurance Group is the team to reach out to for all your condo insurance needs. Contact our Virginia Beach, VA office, and let us help you get the proper protection for your condo. Call or stop by today!

Do all people in Virginia need life insurance?

People living in the Virginia Beach, VA area will want to know that they have the right insurance. While there are a lot of primary forms of coverage to get, another important type of insurance to maintain is life insurance. There are various reasons why the typical person in this part of the state should get a life insurance policy. 

Provide Financial Protection

An important reason for anyone to get a life insurance plan is to provide financial protection to those they care about. With a life insurance plan, you can build a plan that could provide for any future costs that your dependents can incur. This would ensure their financial futures if you were to pass away unexpectedly. 

Invest for Future

Another reason people in this part of the state should consider getting life insurance is so they can prepare and invest for the future. An added benefit to some life insurance plans, such as whole life coverage, is that it can also help you build personal equity. Some of your payments will build into an account if you have this coverage. Eventually, you can liquidate this account or even post it as collateral for a loan.

People living in the Virginia Beach, VA area will always want to know that they have the right personal insurance. An important form of coverage to consider is life insurance, and the team with the Armor Insurance Group is a great group to call to start your search. The Armor Insurance Group understands the value of this coverage and can help you choose an ideal plan that will meet your needs and provide the proper support. 

Do You Need Commercial Property Insurance in Virginia Beach, VA?

Protecting your Virginia Beach, VA, commercial property should be a top priority for any business owner. While you may think your regular homeowner’s insurance policy can cover your business in a natural disaster or other damage, this is often not the case. A separate commercial property insurance policy can give you the peace of mind that your business is adequately protected.

What is Commercial Property Insurance?

Commercial property insurance is a type of insurance that helps protect your business if your commercial property is damaged or destroyed. This damage can be from events like fires, storms, and theft. Commercial property insurance can help cover the cost of repairs or replacement of your property and any lost business income that results from the damage.

How Does Commercial Property Insurance Work?

Commercial property insurance typically covers three main types of perils:

  • Physical damage can include events like fire, wind damage, and vandalism.
  • Business personal property can comprise furniture, inventory, and machinery.
  • Loss of business income can occur if your business is forced to close because of the damage.

These are just a few examples of the coverage that may be included in a commercial property insurance policy. It’s important to talk to your Armor Insurance Group insurance agent to ensure you have the right coverage for your business.

What Does Commercial Property Insurance Cover?

Each commercial property insurance policy is different, but most will cover the three main types of perils listed above. Some policies may also cover other types of damage, such as water damage or flooding. It’s essential to read your policy carefully to understand what is not covered.

How Much Coverage Does Your Business Need?

The amount of commercial property insurance coverage you need will depend on the value of your property and the type of business you have. Your insurance agent at the Armor Insurance Group can help you determine how much coverage is right for your business.

How Much RV Insurance Do I Need?

Ownership of recreational vehicles in Virginia is on the rise, mainly as more people can work remotely in a post-pandemic world. If you have recently purchased or are in the market for an RV, you’ll want to be sure that you have adequate insurance coverage. An RV is more challenging to drive than an automobile because of its larger size, but it is also far more expensive to repair. 

RV insurance is similar to your personal auto insurance policy in that it offers many of the same coverage types that are outlined below:

  • Collision Coverage: Pays for damage incurred to your RV after an accident
  • Comprehensive Coverage: Covers your RV if damaged by a storm, vandalism, theft, fire, or anything not related to a collision.
  • Bodily Injury Liability: If you are in an accident that injures other people, this coverage pays for their medical bills and additional fees.
  • Property Damage Liability: Protects you if a third party’s property is damaged in an accident, regardless of who was at fault.

When choosing how much RV insurance to purchase, you’ll want to start by ensuring you have at least Virginia state minimum liability coverage and then base your decision on how expensive your RV was and other factors. 

To learn more about RV insurance, give the Armor Insurance Group in Virginia Beach, VA a call today. We’ll take the time to walk you through your options while also learning about your lifestyle so that we can produce a customized and personalized insurance policy. With our no-obligation consultation available, you have nothing to lose by giving us a call or stopping by our office.

Who needs RV insurance in Virginia?

Investing in an RV is a good option for those in the Virginia Beach, VA area. With an RV, you will have a fun and convenient way to tour the state and enjoy all that Virginia offers. If you purchase an RV, getting proper insurance should be a top priority. There are various situations when someone will need this coverage. 

Those that Want to Protect RV

If you want to purchase an RV, you will likely want to enjoy the asset for a long time. While an RV can be quite durable if it is properly maintained, the costs to repair or replace it can be very significant if you are involved in a bad accident. If you are appropriately insured, you will have the financial resources available to make necessary repairs or even complete a full replacement of your RV. 

Those that Want to Drive an RV Legally

Drivers will also want to have coverage so they can drive legally. When you drive a vehicle on any public road in Virginia, it is vital that you are insured with liability coverage. With this insurance, you will have the support needed to cover damages you may cause in an accident. Due to the value and importance of this coverage, having liability insurance is required by state law.

If you drive an RV when in the Virginia Beach, VA area, you will want to know that it is as well protected as possible. A great way to do this is by getting your insurance through the Armor Insurance Group. The professionals with the Armor Insurance Group can help you identify your insurance needs and then build a plan that will give you the proper protection. 

The Benefits of Armor Insurance Group

Armor Insurance Group is a company, that has a strong focus on ensuring that individuals get the help they need when it comes to various types of insurance.  Some of the types of insurance that are focused on, pertain to medical insurance, home insurance, etc.  However, one of the strongest focuses pertains to car insurance. Serving in Virginia Beach, VA, Armor Insurance seeks to provide individuals with various types of auto insurance, which would cover car costs that they may not be able to be afforded otherwise.  As said on our site, there are two parts to our auto insurance. The first part that our company focuses on, relates to liability aspects. Meanwhile, the second part of our insurance covers the car itself. 

Liability relates to aspects regarding a vehicle owner suffering car damage (such as a crash that one is not responsible for). On the other hand, the second part of our coverage has a strong focus on covering costs in multiple ways.  Some examples include, but are not limited to, the following: coverage for a car fire, a stolen car, stolen parts of a vehicle or slashed tires, etc. Now, while the main focus has been on those that have not had car insurance from Armor Insurance Group, people who have also had insurance with our company, are of equal importance as well. For example, those that have already bought insurance from our company can assess whether they still need specific types of insurance for their car, why they may no longer need it, the reason for these choices, etc. In short, Armor Insurance Group serving in Virginia Beach, VA, has benefits and establishments, for those that do not have insurance, as well as those who have insurance with us as well.