Should everyone get motorcycle insurance in Virginia?

When you are in the Williamsburg, VA area, you are going to want to have a reliable vehicle so you can get around town. One option to consider getting is a motorcycle, which can offer you a fun and efficient mode of transportation. Along with this vehicle, you also need to get the right insurance for it. Everyone should have this coverage for a few reasons. 

Coverage Protects Motorcycle

A reason to have a motorcycle insurance plan in Virginia is that it can protect your motorcycle. Those that are looking to purchase a motorcycle when they are in this part of Virginia will want to enjoy it for as long as they can. With a proper insurance plan, you will have the coverage to repair or replace the asset if you do incur a loss. 

Legal Compliance

It is also important to get a motorcycle insurance plan to ensure you stay in legal compliance. Anyone that is going to operate a motorcycle is bound to state laws that will require them to carry liability insurance. This coverage will be included in your motorcycle insurance plan and offers support in the event you are liable for damages in an accident. Further, if you do not have coverage, you are at risk of penalization. 

People that are in the Williamsburg, VA area are going to want to have motorcycle insurance due to the value it provides. As you are shopping for a new plan, you may end up having some questions and need support. The team with Commonwealth Insurance Center can help you pick a plan that will offer the ideal support for your situation. If you work with the Commonwealth Insurance Center, you can learn a lot about your different options to ensure you remain properly covered at all times. 

Is Umbrella Insurance A Requirement in Williamsburg, VA?

Because humans are to error, that’s why we buy liability insurance to cover damages when you cause physical injury or property damage to third parties. Unfortunately, your insurance isn’t perfect either. It can let you down when you are facing substantial financial liabilities. 

Fortunately, you can amp up your liability coverage by purchasing umbrella insurance from Commonwealth Insurance Center, serving Williamsburg, VA, and the surrounding areas.

What is umbrella insurance?

Think of umbrella insurance as the safety net you run to when your standard policies run out. For instance, if you are sued for $300,000, and your liability coverage is up to $200,000, you are responsible for topping up the difference from your pocket. However, your insurance can cover this difference if you have umbrella insurance.

It’s important to note that umbrella insurance is slightly different from excess liability insurance that gives you higher coverage on your current liability policy. On the other hand, umbrella insurance provides additional coverage that is ordinarily not included in your typical insurance policies. For instance, most umbrella insurance covers legal fees if you are accused of libel/slander.

Is umbrella insurance mandatory?

Virginia State doesn’t require you to carry umbrella insurance, but it’s vital to purchase one if you have any kind of livelihood. Specifically, if you are in the below categories, you should buy umbrella coverage.

  • You own property
  • Own a dog or other possessions that can cause injury to others
  • You are a high net worth individual
  • Have an inexperienced driver in your household
  • Participate in sports that you are likely to injure others (like hunting)

What does umbrella insurance not cover?

While your umbrella insurance might seem like the mother of all liability coverages, it may not save the day in the below circumstances:

  • Own-inflicted injuries or property damage
  • Damages from breach of contract
  • Intentional or criminal acts
  • Losses to be covered by your typical insurance policies

Are you looking for umbrella insurance? Please get in touch with Commonwealth Insurance Center, located in Williamsburg, VA. This way, you will be protected against injuries, personal liabilities, and certain lawsuits.

How to prepare for a flooding event in Williamsburg, VA

The rainy season sends chills to many Williamsburg, VA residents as the cold weather marks the streets with floods; destroying properties and taking lives. Residents have to find ways to protect their families and property by buying flood insurance, but is buying insurance enough? Probably not because there are other things you can do to keep your home and family safe. Here is what the Commonwealth Insurance center advises residents to do to prepare for flooding events.

Waterproof your basement and elevate your utilities

Install flood sensors in your basement to detect water leaks and a water alarm to alert you when there is water leakage. Keep a working sump pump to protect your basement and maintain a battery-operated backup pump just in case of power failure. Next, elevate your essential utilities like propane tanks, wiring, sockets, electrical panels, appliances, and heating systems. Make sure that all electrical wires are well covered in and outside the house.

Clear your gutter and unblock all pipes

Many people in Williamsburg, VA tend to forget about all the debris build-up, leaves, and other unwanted materials in the gutters, which can be a potential water block during heavy rains. After checking the gutter, check water pipes and other water channels for any blockage that may prevent the easy flow of water.

Remove the carpet and move your furniture.

If your local authority announces the possibility of floods, don’t wait. Move your furniture and other valuables to safe places like the attic. If your home has one or several floors, move most of the items to the upper floors, particularly things that can easily get damaged by water. Pack a bag or two with supplies in case of an emergency and maintain communication with your family and relatives.

Buying flood insurance soon? Commonwealth Insurance Center would like to help. We are not only ready to guide you but also answer all the questions you might have. Call us today!

Who needs condo insurance in Virginia?

When you are in the Williamsburg, VA area you will need to make sure that you get proper insurance coverage for any type of property that you own. If you are a condo owner, this means getting a proper condo insurance plan. Condo insurance is a necessity for people in this area of Virginia for a few different reasons. 

Insurance is a Mortgage Lender Requirement

One of the reasons that you should get a condo insurance plan is that it could be a mortgage requirement. If you have used a mortgage to finance the purchase of your condo it is important that you carefully follow your mortgage lender’s insurance requirements. This will almost always require that you carry condo insurance and also escrow for the payments with the bank each month.

Insurance is Required by Home Association

You should also get a condo insurance plan in Virginia if it is required by a condo association. Almost all condo developments will have a condo association that governs the rules of the community. Most of the time, the association will require that you carry a full condo insurance plan at all times. This can help to ensure that you are covered and able to repair your home and another person’s property if you accidentally cause damage. 

When you are in the Williamsburg, VA area and are a condo owner, it will continue to be very important that you get proper coverage for it. As you are in the market for a new condo insurance plan, you should call the team with Commonwealth Insurance Center. There are a lot of important factors that go into picking a condo insurance plan and Commonwealth Insurance Center can give you the guidance that you need. This will help ensure that you remain properly covered and protected. 

How Does Life Insurance Provide Peace of Mind?

Life insurance brings peace of mind in a variety of ways. Here at the Commonwealth Insurance Center serving the Williamsburg, VA area, we’d like to take a moment or two to help you understand just how advantageous life insurance really can be, especially during hard times. Here’s a look at the top two reasons to buy life insurance.

Provide Financial Benefits to the Beneficiary

Do you have someone that depends on you for financial support? If so, what happens when you pass away? Will this person still receive some sort of financial support from you? Unless you have a bunch of money tucked away in your sock drawer or in a savings account at a bank, your loved ones will need steady income as a form of financial support once you pass away. And that’s exactly what a life insurance policy does. It provides peace of mind in knowing your loved ones will receive a payout amount once you’re no longer alive. This means you can spend your time here on earth enjoying moments with your family instead of having to worry about what will happen to them when you pass away.

Pay Off Old Debts

Do you have some debts that you need to ensure are taken care of when you pass away? If so, you can ensure your loved ones receive money through a life coverage policy that will cover these debts. When you pass away, the beneficiary amount can be used to pay off debts and keep your family in good financial health. This is an excellent way to help ensure good financial health for your loved ones once you are gone.

Want to learn more about the benefits of life insurance? Contact the Commonwealth Insurance Center serving the Williamsburg, VA and surrounding areas today.

How Does a Whole Life Insurance Policy Work?

When you need life insurance coverage, there are many choices to make. There is term life, whole life, and many different coverage amounts available. If you need life insurance, or you want more of it, contact us at Commonwealth Insurance Center in Williamsburg, VA to speak with an agent about your insurance needs.

Lifelong Insurance

One reason that these policies are called whole life is that they are in place for your entire life. Once the policy begins, the insurance company can’t cancel your policy as long as you keep up with the premium payments. This is a preferable way to have insurance for many people because it isn’t only good for a term that expires as term life does. As long as the premiums stay up to date, the death benefit will eventually be paid. Many of those who need life insurance find this a much simpler arrangement than trying to get a new term after one term has ended with term life. 

Building a Cash Value

Another attractive feature of these policies is that as the policy is paid, it begins to build a cash value. This value is there for you as the insured to borrow against at any time. When it is borrowed, it must be paid back to the policy. If it isn’t paid back before your death, the death benefit will be the amount listed in the contract minus the amount that was borrowed. 

Get Your Life Insurance

If you need life insurance, there’s no reason to wait. Getting your policy in place will bring you and your family peace of mind. Call us at Commonwealth Insurance Center in Williamsburg, VA to make your appointment with an agent. 

5 Ways to Protect Your Classic Cars in Williamsburg

Owning a classic car in Williamsburg, VA is like owning a little slice of the best in American nostalgia. These cars are not only big and bold, but they’re also a throwback to a time when soda fountains were still all the rage. If you’re looking for ways to protect yours, Commonwealth Insurance Center has a few tips. 

Keep It In the Garage 

While the urge might be to store your classic car under a tarp, it’s just too much risk to keep them out in the open. These vehicles might become a magnet for vandalism or potential theft, so they’re best kept out of sight, out of mind. 

Guard Your Documents 

The value of a classic car comes from both its origins and upkeep. From the registration to the repair work, make sure you’re holding onto all of the associated paperwork to preserve its value. 

Do the Research 

Classic car information can’t always be found on the internet, and you never know what you might unearth in a vintage magazine or parts catalog. The more you know about your vehicle, the more likely you are to properly care for it. 

Take Pictures 

Cars change over time, but not everyone notices those small changes from year to year. When you take detailed photos, you can better compare and contrast what restoration work needs to be prioritized. 

Find the Right Insurance  

Classic car insurance policies need to be written in such a way that accounts for what the vehicle means to you. Whether it’s a hobby or a car in your regular rotation, Commonwealth Insurance Center can help you find the right coverage for you. If you’re in Williamsburg, VA, give us a call today so you can rest easy about your classic car insurance. 

What are the benefits of renters insurance?

Moving to the Williamsburg, VA area can be a very exciting time and situation. When you are looking to move into this area of the state, you may choose to rent your home. When you are going to rent your property, you should get a full renters insurance policy as it could provide you with a variety of different benefits. 

Ensures Protection for Liability

One of the benefits of a renters insurance policy is you will receive protection for liability risk. Anyone that rents their home and has a guest over will be taking on liability risk. If your guest is injured while in your home, you could be held liable. When you have renters insurance, you will receive the coverage that you need to offset this risk. Due to this benefit, most landlords require that renters get insurance prior to the start of the lease term.

Protects Personal Assets

Another advantage of having a renters insurance policy is you will receive protection for your personal assets. When you rent your home, you will have a lot of personal items stored within the confines of the property. If you suffer from fire damage, theft, or vandalism, you could lose a considerable amount of these assets. Fortunately, when you get a renters insurance policy, you will receive the coverage and protection that you need to repair or replace these items. 

Anyone that is going to rent their home in the Williamsburg, VA area should get a renters insurance policy. When you are going to move into a new home, you should call the team at the Commonwealth Insurance Center. When you call the Commonwealth Insurance Center, you are going to receive more personalized care and attention to ensure you get into a great policy that offers the right protection. 

A Guide To Help Virginia Motorcycle Riders Find Motorcycle Insurance

The Commonwealth Insurance Center is an independent insurance agency that serves the Williamsburg, VA community, as well as the surrounding areas. We have established meaningful partnerships with several different companies in order to help our clients find the insurance policies that they need.

Motorcycle Insurance

If you enjoy riding motorcycles, inquiring about motorcycle insurance should be a top priority. Motorcycle insurance allows you to stay safe while you are riding. There are multiple insurance coverage options for you to consider. Collision insurance will cover your motorcycle if you are involved in an accident. Comprehensive insurance covers your motorcycle if it is stolen or damaged due to a natural disaster. Liability coverage is also important. The policy covers you if you are involved in a motorcycle accident that caused others harm. Personal injury protection can also be an asset during those situations.

Custom Coverage

If you have custom parts and accessories on your motorcycle, you may have to inquire about an additional policy to secure those items. Also, consider inquiring about trip interruption coverage. The policy will cover any lodging and other expenses while your motorcycle is in the shop being repaired.


During seasons when it is too cold to ride, inquire about lay-up insurance. Under the policy, your motorcycle will be covered in the event that it is stolen or damaged. However, be advised that you should not use your motorcycle during this period.

Commonwealth Insurance Center Can Help You

If you are a motorcycle rider in the Williamsburg, VA area, we can help you protect your asset. We will sit down with you and discuss all of the different motorcycle policies so that you can find the policy that suits your needs. Contact us today!

How Boat Insurance Can Help if You are Caught in a Hurricane

Spending time on the water with family and friends is a wonderful way to build memories.  Before heading out on the water, your boat needs to be covered with boat insurance.  The liability coverage also protects those who join you on the boat.  At Commonwealth Insurance Center, our agents work with boat owners in the Williamsburg, VA area.  We will take the time to understand your needs then present you with coverage options. 

Many boaters in the area are concerned about their protection during hurricane season.  This is understandable because named storms can create significant damage.  There are steps that you can take to protect your boat.  The first is getting the right boat insurance.  Documenting the condition of the boat is very important.  Documentation before and after a storm can show condition and help with quickly repairing any storm damage.  Your agent may have recommendations on the information that you need to collect. 

Recovering from severe weather events is not all that your boat insurance will cover.  The mechanical equipment is protected.  Liability protection covers any medical expenses if someone is injured on the boat.  Theft and vandalism damage is also included in the policy.  This is important because, following a storm, your boat may be more vulnerable to this.  Also, look for underinsured/uninsured boater coverage. 

In the Williamsburg, VA area, boaters every year prepare for the coming hurricane season.  Part of the preparations should include updating your boat’s documentation.  We at Commonwealth Insurance Center want you to enjoy your boat safely.  Check out information on our website regarding boat insurance.  Then give us a call.  We’ll help you prepare your boat for hurricane season and take care of you if you experience storm damage. Don’t wait until there’s a storm.  Call today!