Three Tips for a Safe and Fun Apartment Party

Apartment dwellers tend to feel a bit more constrained than their counterparts who live in houses around Williamsburg, VA. That’s because there are usually fewer square feet and more neighbors to worry about. But that doesn’t mean you can’t have fun! Here are some Commonwealth Insurance Center tips on hosting a fantastic apartment party.

Practice Safe Drinking

This is a necessity. If you plan to have alcohol at your apartment party, taking care of your guests and yourself is essential. Never allow a guest to drive home while drunk. Always offer non-alcoholic drinks as well. Limit hard liquor and keep some non-salted snacks out for everyone.

Consider Soundproofing

If your guests are likely to get drunk or loud, having a few soundproofed rooms would probably be a good idea. Consider putting up sound-dampening blankets and curtains. Rugs on the floor will keep sound from traveling through the floor. A bonus to this is it will help keep sound from penetrating your apartment the next time a neighbor throws a party!

Be Selective About Who You Invite

If you’re hosting a large party, it can be tempting to invite everyone you know. But that can lead to a lot of confused guests and emotional outbursts. It’s better to ask a few people you know well and respect. If you’re inviting people you don’t know very well, keep the guest list small and stick to a reasonable time limit. This can help keep things less chaotic.

Bottom Line

Hosting an apartment party can be a lot of fun, especially if it goes off without a hitch. But even when you do your best, sometimes things can go wrong. That’s why you need renters insurance. If you rent an apartment in Williamsburg, VA, contact Commonwealth Insurance Center today to learn more.

What Are The Threats of Not Having Home Insurance?

Home insurance is a serious monthly expense that you may question when you review your budget. For this reason, in order to save money, you may decide to do without it. However, if you do, you should be aware of certain threats of not carrying this type of insurance. Here is a list of some of them prepared by Commonwealth Insurance Center – an insurance company serving Williamsburg, VA and other surrounding areas. 

Threats Of Not Carrying Home Insurance

Here is what you should be prepared for if you decide not to buy home insurance:

  • Rebuilding costs may be high. Most likely, the cost of your property when it was built and purchased is not the current value. Therefore, if something happens to your home, the replacement costs can be very high. If you do not have home insurance, you will have to cover these costs by yourself. 
  • You risk facing a liability claim. Most standard home insurance policies cover liability claims. This protects you from possible lawsuits that are caused by dangers around your property. Without home insurance, you will have to pay for all the expenses related to a lawsuit out of your pocket. 
  • Mortgage default. Many mortgage lenders require homeowners to have some kind of home insurance. Therefore, if you decide to cancel your home insurance policy, your lender will be notified about your decision, and you may risk losing your mortgage. 

Commonwealth Insurance Center – An Insurance Agency You Can Trust

Home insurance may be expensive, and you may think that you cannot afford it. However, if you live in Williamsburg, VA, or any other nearby town, contact Commonwealth Insurance Center. Our insurance agents will be glad to help you find a perfect home insurance policy that you can afford. If you have any questions, you can visit our website or give us a call. 

Why does someone in Virginia need to maintain boat insurance?

When you are a resident of the Williamsburg, VA area, finding a way to enjoy the summer months as much as possible is a great idea. When you want to have fun during the summer, investing in your own boat is a great option. If you do decide to purchase a boat when you are here, you need to get the right insurance for it for a few reasons. 

When Using Certain Waterways or Marinas

A common situation when someone here will need to maintain boat insurance is when they want to use certain waterways or marinas. It continues to be common for some private areas to require boat owners to carry insurance as it provides liability protection. With liability protection, you can be assured that you will be able to cover any restitution if you cause an accident that results in property damage. 

When Taking Out Financing

You will also likely need to have boat insurance if you have taken out a boat loan. It continues to be required by boat loan providers that borrowers maintain a full insurance plan. With this coverage, the boat lender will know that their collateral is covered if it is damaged or stolen. You may be required to provide evidence of coverage when you take out a loan and from time to time thereafter. 

Those that would like to buy a boat in the Williamsburg, VA area need to ensure that they get the right insurance in place at all times. As you are looking for a new insurance plan in this area, speaking with the Commonwealth Insurance Center is always a good idea. The professionals with the Commonwealth Insurance Center know the value that comes with this coverage. They can then offer any support you need to choose a plan. 

What’s Not Covered by Home Owners Insurance?

 Homeowners insurance has the ability to create real peace of mind. It provides protection for your home’s structure, your personal items, and provide legal protection in terms of liability as well. However, not everything is covered by homeowner’s insurance. As a homeowner, it’s just as important to know what’s not covered by this type of insurance. 

Natural Disasters
There are some natural disasters covered under homeowner’s insurance. However, homeowners should make note of the fact that flooding and earthquakes are not covered natural disasters. As a result, if you live in an area prone to earthquakes or flooding, you may want to seek additional coverage for these situations.  Commonwealth Insurance Center of Williamsburg VA understands that fully understanding what’s covered and what’s not can be a little confusing. Other specific questions regarding natural disasters can be addressed by one of our insurance agents. We’re here to offer guidance. 

Other Uncovered Situations
Some homeowners may be surprised to learn that damage and erosion caused by general wear and tear, aging, and rust rot and mold, aren’t covered under a homeowner’s policy. Also, damage caused by termites, rodents, birds, and insects aren’t covered. Smoke and smog damage from industrial or agricultural processes, as well as defective or poorly made materials associated with your home, aren’t covered areas either. One of our licensed insurance agents can walk you through what’s covered as well as what’s not to help you make the best insurance decisions regarding your unique situation. We can also suggest additional insurance or specialized insurance if you need it. Commonwealth Insurance Center of Williamsburg, VA invites you to visit us online or give us a call. We’re here to answer questions and guide you in the right direction. 

Should I get a home insurance policy?

The most important asset that most people will ever own is their primary residence. Not only is your home a valuable and expensive asset, but it is also the place where you will live. Because of this, you need to take all necessary steps to ensure your home is properly protected. One of the best ways to do this today is through the use of a home insurance policy. There are several reasons why you need to have home insurance on your property.

Protects your Home

The primary reason why you need to make sure that you have insurance on your home is that it will provide you with protection if your home is damaged. If your home is damaged by a fire, storm, or other pressing issues, it can be very expensive to repair and replace. When you have a great home insurance policy in place, it will provide you with the protection that you need. 

Gives Liability Coverage 

When you own real estate, you are taking on responsibility every time someone comes to your home. Even if someone is injured in a complete fluke accident, you could still be held responsible for the injury and any associated bills. When you have a home insurance policy in place, a big part of it will provide you with liability protection. This will help to ensure that you are covered in the event you are sued for liability.

If you have a home in the Williamsburg, VA area, you should speak with the Commonwealth Insurance Center. Our agents will be able to make sure you understand your insurance needs. The Commonwealth Insurance Center in Williamsburg, VA will then help you find a great policy that covers your Virginia home insurance needs and gives you peace of mind.

5 Mind-blowing benefits of having home insurance.

The importance of a home insurance policy is normally not appreciated until you are in need of it. In certain occasions, a mishap or calamity may occur, and the only way to overcome such a scenario is through a home insurance policy. Below are five mind-blowing benefits of having a home insurance policy according to Commonwealth Insurance Center in Williamsburg, VA.

1. You get protection against natural disaster

Notably, you do not have control over natural disasters. As such, the best thing to do is to purchase a home insurance policy which will help you cover such liabilities. In case of natural disaster through which your house is affected, this coverage will ensure that all the costs of rebuilding your house and purchasing of home equipment are covered. This does not cover flooding or earthquakes.

2. Your household belongings will be covered

This insurance policy will not only protect your home but will also ensure that the contents and belongings in your building are safe. With this policy, you are assured of financial coverage against the risk of loss with your belongings in case of accidents and theft.       

3. Damages to your home are covered

These policies provide a liability coverage for the damage risk posed to your house in case of vandalism, fire, or other events covered under this policy. Also, the damage to your personal property due to theft is covered under this policy. However, you can expand the coverage to ensure that it includes your jewelry and other expensive valuables in your home.

4. The policy will cover more than just your home

Notably, a home insurance policy will not only protect your house’s structure, but instead, it will also provide coverage for your attached dwellings, loss of personal property, your guests, and other structures on your property.                                          

5. You will pay a low monthly premium

Fortunately, a home owner’s insurance policy is relatively cheap compared to other policies in the market. However, it depends on the type of home you possess, and as such, if you reside in Williamsburg, VA, it is advisable to visit Commonwealth Insurance Center to learn more and obtain a quote. You can also use our online rating tool for quotes from home on homeowner’s insurance.

Contact our agents to have your questions answered and learn how to start a policy today.