Boating safety tips

Boating can be a fun and relaxing way to spend a summer day, but it’s important to remember that it can also be dangerous. Here are some tips to help you stay safe while boating.

  1. Always wear a life jacket when you’re on the water. This is one of the most important safety rules, as it can help to keep you afloat and protected in the event of an emergency.
  2. Before going out on your boat, make sure that it is in good condition and is equipped with all necessary safety gear. This includes things like flares, first aid kits, and navigational charts.
  3. Before you set out on the water, it’s important to check the weather conditions and forecast. This will help you to avoid hazardous weather or areas that might be dangerous due to strong currents or obstacles in the water.
  4. When you’re boating, it’s important to follow all traffic laws and regulations. This includes obeying speed limits, maintaining a safe distance from other boats and swimmers, and following navigational rules.
  5. To stay safe while boating, it’s important to always be aware of your surroundings. Pay attention to potential hazards such as rocks, logs, and sandbars, and use common sense when navigating tricky waterways or planning your route.
  6. Finally, always be prepared for the unexpected while you’re on the water. This means having a well-stocked first aid kit onboard and keeping an eye out for weather changes or other potential dangers. By following these simple tips, you can ensure that your boating trip is a safe and enjoyable one.

If you have any further questions or would like more information on staying safe while out on the water, call Commonwealth Insurance Center today. We proudly serve the Williamsburg, VA area. 

Can Your Auto Insurance Rates Increase If You Are In An Accident You Are Not At-Fault For?

At Commonwealth Insurance Center, serving the greater Williamsburg, VA area, our clients have many questions about auto insurance and how their rates are determined. One of the questions we are frequently asked is whether your auto insurance policy rate can increase if you are in an accident and are deemed not at fault. Being deemed not-at-fault means the accident was not your fault. Read on to get the answer to this question. 

Can Your Auto Insurance Rates Increase If You Are In An Accident You Are Not At Fault For?

Yes, your auto insurance rates can increase if you were involved in an accident for which you were deemed not at fault. 

Why Can Your Insurance Rates Increase If the Accident Was Not Your Fault?

Auto insurance providers can look at your driving record when determining how much to charge you for auto insurance. This means that they can look at accidents, even if you were not at fault for an accident. They may use any points or imperfections on your driving record to increase your auto insurance rates. 

Every insurance company is different, and the way they calculate their rates can vary. One insurance company may penalize you heavily for having an accident on your record, even if the accident was not your fault. In contrast, another insurance company may overlook accidents that are not your fault. If your auto insurance rates have increased due to an accident, it is recommended that you shop around for a new auto insurance policy and compare rates. The team at Commonwealth Insurance Center, serving the greater Williamsburg, VA area, can help. Call us today to obtain estimates for auto insurance. 

Protect Your Home and Property with Homeowners’ Insurance

The most significant asset you own is probably your home. That is why it needs to be insured against destruction or loss. Homeowners’ insurance can also provide financial protection if someone is hurt on your property. Commonwealth Insurance Center of Williamsburg, VA can answer all your questions about why homeowners’ insurance is necessary.

A homeowners’ insurance policy will be required to protect the mortgage company’s interest if you carry a mortgage on your property. It will pay for damage and losses to your property if an unforeseen disaster occurs, such as a burglary, fire, or weather event.

Homeowners’ insurance protects you from lawsuits and the equity you have gained in your property. Most standard homeowners’ policies will include a certain amount of insurance for your home’s contents. This is called personal property coverage. How much coverage you need will depend on the type of things you own and their value. Jewelry, artwork, furs, etc., may require a separate rider depending on their value.

It is important to understand that certain things are not covered under a standard policy. Damage that results from neglect or poor maintenance is not covered. This would include general wear and tear, insect or animal damage, rot, rust, mold, etc. Pride of ownership will help your property to hold or increase its value.

Be careful not to purchase too little or too much coverage than is necessary. Remember that rebuilding your home at a later date will cost more than at the time of purchase. A higher deductible will result in a lower monthly premium cost. Improved security and a more disaster-resistant home will also result in a lower premium cost.

Contact the professionals at Commonwealth Insurance Center in Williamsburg, VA, to obtain the coverage you need for your most valuable asset.

You will be glad you did.

Protect Your Home and Property with Homeowners’ Insurance

The most significant asset you own is probably your home. That is why it needs to be insured against destruction or loss. Homeowners’ insurance can also provide financial protection if someone is hurt on your property. Commonwealth Insurance Center of Williamsburg, VA can answer all your questions about why homeowners’ insurance is necessary.

A homeowners’ insurance policy will be required to protect the mortgage company’s interest if you carry a mortgage on your property. It will pay for damage and losses to your property if an unforeseen disaster occurs, such as a burglary, fire, or weather event.

Homeowners’ insurance protects you from lawsuits and the equity you have gained in your property. Most standard homeowners’ policies will include a certain amount of insurance for your home’s contents. This is called personal property coverage. How much coverage you need will depend on the type of things you own and their value. Jewelry, artwork, furs, etc., may require a separate rider depending on their value.

It is important to understand that certain things are not covered under a standard policy. Damage that results from neglect or poor maintenance is not covered. This would include general wear and tear, insect or animal damage, rot, rust, mold, etc. Pride of ownership will help your property to hold or increase its value.

Be careful not to purchase too little or too much coverage than is necessary. Remember that rebuilding your home at a later date will cost more than at the time of purchase. A higher deductible will result in a lower monthly premium cost. Improved security and a more disaster-resistant home will also result in a lower premium cost.

Contact the professionals at Commonwealth Insurance Center in Williamsburg, VA, to obtain the coverage you need for your most valuable asset.

You will be glad you did.

When Do I Need Classic Car Insurance?

Classic Car Insurance provides classic car owners with prolific mitigation against spare parts, breakdown cover, legal protection, market value, and salvage retention to ensure compensation in the event of the insured peril.

In Williamsburg, VA, vintage car owners, though not mandatory, need a unique coverage that protects them against risks while out on the roads. Making the right decision in terms of a good policy is critical. Commonwealth Insurance Center offers the ideal solution for your classic car insurance needs.

As a vintage car owner, you need protection immediately after you acquire your classic vehicle, as an eventuality may occur anytime, leaving you at a cross-road. The following are factors that determine the cost and level of the cover you need:

  • The value of your car– deciding on the level and cost of the insurance cover you require will be influenced by the value of the vehicle to be insured.
  • Mileage– The distance your car has been driven affects the cost of your classic car insurance. Some policies will attract discounts when their mileage is limited.
  • Club membership– Members of an approved vintage car club can benefit from a specialist rate.
  • Storage security- it is advisable to park your car in a garage overnight.

Visit or call Commonwealth Insurance Center if you have multiple classic cars in Williamsburg, VA. They can be insured under one single coverage for your convenience.

Commonwealth Insurance center offers a wide array of options and features that you can assimilate for a perfect cover:

  • With regular reassessment, we offer a special clause to safeguard classic car insurers to ensure one gets the actual value rather than market discrimination.
  • Fitted accessories and spare parts are also an option for vintage car owners.
  • In case of an occurrence leading to complete loss of the insured vehicle, we offer a salvage retention package.
  • We can add legal protection against tracking uninsured losses and breakdown protection features for our classic car owners.

One must note what is not covered in the policy and make appropriate decisions. One is usually not protected when their vehicles are unsafe or not roadworthy, in left keys in the car resulting to theft or burglary, not parking in separate garages when around your residence and malicious damage of theft happens and kindly note no discounts on claims offered.

We will be able to provide a lifesaving cover for your classic vehicle as our policy is customized to give extras to cater to your special needs. Kindly call or visit us now at Commonwealth Insurance Center for a breathtaking insurance offer for your vintage Williamsburg, VA.

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 value comes with a motorcycle insurance plan in Virginia?

Anyone living in the Williamsburg, VA area will want to know that they have the proper insurance support for their most important assets. This can include having an adequate motorcycle insurance plan if you are an owner of one of these assets. A quality motorcycle insurance plan will come with various forms of coverage that can make it a valuable investment for owners here. 

Ensures Compliance

An essential reason for anyone to get a motorcycle insurance plan is so they can ensure compliance. If you are going to ride a motorcycle in this state, you must always carry liability insurance. At the same time, you will want motorcycle insurance if you have taken out a loan to finance the vehicle. You will obtain all of this necessary coverage with the right motorcycle insurance plan. 

Provides Necessary Coverage

You also will want to have motorcycle insurance to be protected appropriately. When you invest in a motorcycle, you will want to be able to enjoy it for a long time. A great way to ensure this happens is by taking out a motorcycle insurance policy that includes full collision and comprehensive support. This will provide the support you need to replace or repair your motorcycle if a loss is incurred. 

There are many great reasons to get a motorcycle insurance plan in the Williamsburg, VA area. Once you are ready to start looking for coverage here, you should call the professionals with the Commonwealth Insurance Center. If you call the Commonwealth Insurance Center, you can learn more about your insurance needs and options. From there, you can pick a plan that will cover your needs. 

How umbrella insurance can help protect your company

Do you own a business in the greater Williamsburg, VA area? If so, it’s time to get to know the folks at Commonwealth Insurance Center. We are here to help our local business owners and operators protect their companies. Our team understands how much dedication and hard work goes into starting and maintaining a successful business. Let us help you protect yours!

How an umbrella policy can help your business

When it comes to protecting your business, you may have a lot of liability concerns. This may be because of how your firm is structured, and that excess commercial liability can become a personal liability. Or, it may be because you operate in a highly litigious industry and worry that one lawsuit could destroy all of your hard work.

Whatever the reason you need increased liability protection, an umbrella policy can meet that need. An umbrella policy will provide increased liability protection and help you keep your business growing and thriving! The main way that an umbrella policy will help protect your company is the increased liability protection that it offers.

When your primary policy is exhausted, your umbrella policy will come into play and fill that need. There are also policies available that can cover losses excluded from your primary policy. Find out more today about the many benefits these policies provide.

Let’s work together to protect your business!

Commonwealth Insurance Center is proud to be the insurance agency that business owners and operators in the greater Williamsburg, VA area turn to. You can rely on us for all of your commercial insurance needs. And, if it’s time for your company to add an umbrella policy, we can help. Give us a call to schedule an appointment today.

How a commercial umbrella policy can help protect your Virginia business

Commonwealth Insurance Center is ready to serve the commercial insurance needs of the greater Williamsburg, VA business community. If you have questions about how umbrella insurance can act as a vital tool to protect your company, call us today.

Using an umbrella policy to protect your Virginia business 

Liability protection for your Virginia business is key in laying the groundwork for ongoing and future success. Several different scenarios can create a situation that spells doom for a company’s success. 

If you experience a catastrophic event that includes a lot of liability exposure, it is possible to exhaust your company’s primary commercial policy. If this should occur, a firm that only carries a primary policy could find that it’s impossible to continue operations. However, with the right insurance in place, this is a situation that can be avoided.

When a primary policy is exhausted, a company that has an umbrella policy will be able to tap into additional insurance coverage. This can mean the difference between being able to regroup after a significant covered loss and having to close the doors. Obviously, everyone wants to avoid the latter situation, and it is possible to do so with an umbrella policy. Reviewing umbrella insurance options is a great way to get started.

Now is the time to learn how an umbrella policy can help protect your company

Williamsburg, VA area business people can count on the team at Commonwealth Insurance Center for all of their commercial insurance needs. Finding out more about umbrella insurance can help you make an informed decision regarding protecting your firm. Give us a call today and set up an appointment to learn more.

What does flood insurance cover?

The National Flood Insurance Program (NFIP) provides coverage for physical losses to your home or dwelling and your personal belongings. Our team at Commonwealth Insurance Center is happy to provide information and guidance for Williamsburg, VA residents. Our team will walk you through how flood insurance works as well as what’s covered. Although flood insurance isn’t always necessary if you live in a flood zone or high-risk area, flood insurance may be a good option.  

Is flood cover necessary?

If you live near a body of water or in a high-risk flooding zone, then the chances are you’ll need flood cover. But the catch is, being in an area that requires flood cover means you’ll have to pay a higher premium or could not be covered altogether.

What is Flood  Insurance?

Flood insurance is designed to cover your home, car, and personal possessions from damage caused by a rainwater runoff, overflow, or buildup of water that covers dry land under normal circumstances. It should be noted that this type of coverage isn’t always included in a homeowner’s policy. However, some policies may include flood insurance as an extra option. If not, you can purchase a separate flood insurance policy.

What Does Flood Insurance Cover?

Flood insurance provides coverage for your home and your possessions as well as your car. Flood insurance has two categories that include building coverage and contents coverage. Typically, flood insurance covers:

  • Foundation/Walls
  • Anchorage systems
  • Staircases
  • Electrical/Plumbing systems
  • Furnaces/Water heaters
  • Refrigerators/Stoves 
  • Built-in appliances
  • Carpeting
  • Cabinets/Paneling/Bookcases
  • Window blinds

Flood insurance also covers detached garages, fuel, well-water tanks, pumps, and solar equipment. 

If you are considering investing in flood insurance, give us a call. We’d be happy to discuss your options with you. Our team at Commonwealth Insurance Center would be happy to answer your questions. We’re standing by.