Does Home Insurance Cover Your Pets?

When you have a home, you need to make sure it’s properly protected. With home insurance, you can have peace of mind and the coverage you need to handle any problems that come up. If you’re in the Richmond, VA area, Easley Hedrick Insurance & Financial is here to help you find the right policy to meet your needs. You don’t have to settle for less than you want when it comes to coverage, and you don’t need to worry that you don’t have a policy that protects what matters. Our dedicated agents are here to answer your questions, so you can feel good about your insurance coverage.

If you have pets in your home, it’s important to know that your insurance policy won’t cover them if they become ill or injured. You’ll need separate coverage to protect your four-legged friends. But most policies will protect others from your pet if they would injury or harm someone else or their property. That’s why it’s important to tell your insurance company about any pets you have, so you don’t need to worry and you know you have proper coverage. Things like dog bites and property damage from scratching or digging should be part of your policy when you have a dog in your home.

At Easley Hedrick Insurance & Financial, we want to help all of our Richmond, VA customers with their home insurance needs, and make sure they have the right coverage for any pets they own, as well. Once you have a policy in place you can feel better about the protection your policy offers for the present and the future. Don’t settle for less than you deserve. Our knowledgeable agents are ready to help reduce your worries and make sure your policy gives you the protection you really need.

What Is Cyber Insurance?

There are many types of commercial insurance that companies can get to protect the business as well as the owners and employees. One of these, cyber insurance, is one of the newer forms of commercial insurance. If you have a business that relies on its computers, your business may be a good candidate for protection with cyber insurance. 

Data Breaches

One of the things that today’s companies fear is being hacked and becoming a victim of a data breach. When this happens, there is a long cascade of problems for that business. They may have to make restitution, there will likely be lawsuits, there may be penalties due to the government, etc. All of these consequences are extremely expensive and can cause a business to close forever.

More than 50% of small businesses have had a data breach, and this can cost more than money. It can cost you your business’ reputation and cause you to lose some of your customer base. However, with cyber insurance, many of these costs you have from a data breach are covered for you by the policy. They even help you with restitution and notifications for your customers. 

Liability Insurance

When you have other types of commercial insurance, they generally do not cover issues like cyber problems. Often, any type of cyber coverage is specifically excluded from these policies. To have the liability coverage you need in case of data breaches, you need cyber insurance. 

Get Your Cyber Policy

Every small business with a computer network should have cyber insurance in place that helps it to ride out the storm of a data breach. If your business needs this coverage, call us at Easley Hedrick Insurance & Financial in Richmond, VA to talk to an agent about your insurance needs. 

Should I choose an umbrella insurance policy in Virginia?

Anyone that lives in the Richmond, VA area should spend time thinking about their personal insurance needs. One common form of insurance that people should think about getting is umbrella insurance. This is a form of insurance that can offer you personal liability insurance protection. There are several reasons that you should choose an umbrella policy here. 

Coverage Provides Protection for More Situations

Most people are going to have coverage for liability through their home or auto policies. While this can cover you for a variety of situations, there are many scenarios that could result in a liability claim that would not be covered. When you get an umbrella insurance policy, it will offer protection for far more situations that could result in a liability claim. This can provide peace of mind knowing that you are protected against the unexpected. 

Receive Additional Protection

You will also want to receive an umbrella policy as it can offer you additional protection. When you get an umbrella policy, the coverage will be on top of your base policies. In the event that there is a major claim that exceeds your base insurance coverage, the umbrella policy will kick in. This is will prove to be helpful if a major claim is filed against you. 

When you are looking for a new umbrella policy and you are in the Richmond, VA area, you may find that choosing coverage is complicated. With so many options to choose from, having someone provide guidance is important. The team at Easley Hedrick Insurance & Financial can help you choose a policy that will be ideal for your situation. When you speak with Easley Hedrick Insurance & Financial, the team can answer your questions and help you understand the benefits of this insurance coverage. 

Does my auto insurance cover me or my vehicle

Car insurance isn’t something that most people think about unless it is time to renew your policy or you need to file a claim. You count on your insurance agent to make sure that you have the right coverage. What that means is they have to know you and being locally owned and operated makes that much easier. At Easley Hedrick Insurance & Financial in Richmond, VA, our combined 200 years of experience means that we have the knowledge you are looking for in an independent agency. 

In an ideal world, you would have one vehicle and you would be the only driver of that vehicle. Life isn’t like that, you may have family and friends who ask to borrow or use your vehicle. It can even be you who are using a friend’s car or driving a rental vehicle. The question of auto insurance coverage suddenly becomes very real and important. The simple answer is your auto insurance covers the vehicle or vehicles listed on your declaration page. The coverage in the case of multiple vehicles may not be the same on each vehicle making it important to familiarize yourself with your coverage. 

Anyone who drives your vehicle with permission will be covered by your insurance. If you drive someone else’s vehicle and have an accident, their insurance will cover you. In the case of your car, you must have collision coverage and you will have to pay the deductible. 

Easley Hedrick Insurance & Financial Richmond, VA we can answer any questions you have about auto insurance. Our agents are here to help you no matter whether you need to make a change to your policy or file a claim. Give us a call or stop into our office to get a no-obligation quote and the information you are looking for. 

Do I need commercial insurance in Richmond?

As you are looking to start a business in the Richmond, VA area, you may find that there are plenty of opportunities to be successful. If you are going to start a business here, you should spend time assessing your risks and business insurance needs. There are several reasons why you will need to get commercial insurance here. 

Required by Lender

One reason that you may need to have commercial insurance is that it could be a lender requirement. Commercial insurance provides a lot of value to businesses that are looking to improve their organization. It can also help to keep them solvent during some challenging situations. Due to this, any business loan provider is also going to want you to have this coverage. Most of the time, a savvy lender will have specific insurance requirements at all times. 

Required by Law

Another reason that you will need to get commercial insurance is that it is required by law. In Virginia, any employer that has a certain amount of employers will need to carry worker’s compensation as part of their commercial insurance policy. This is a very valuable form of coverage as it will help to ensure that your employees will be cared for if they are injured while working on the job. Ultimately, it helps to protect both your business and your employees.

As you are looking for commercial insurance in the Richmond, VA area, it would be a good idea to speak with the team at Easley Hedrick Insurance & Financial. It can be difficult to fully understand what your commercial insurance needs are. When you do call the team at Easley Hedrick Insurance & Financial, it can help to ensure that you get into a policy that will offer you the top overall coverage. 

What Types of Water Damage Are Covered Under My Home Insurance?

In Richmond, VA, the agents of Easley Hedrick Insurance & Financial are always hard at work making sure each client understands what their homeowners’ policy includes. A common question that is often brought up is what types of water damage are covered under the average homeowners’ policy. The agents are able to explain what types of damage are covered and the best ways to protect yourself from financial loss.

Natural Causes

Rain, snow, and other types of storm damage are normally covered by your homeowners’ policy. Storm damage is unpredictable and can be hard to prevent. It’s important to always take precautions, however, especially if you know a dangerous storm is heading your way.

Burst or Frozen Pipes

Burst or frozen pipes are also covered by many homeowners’ policies. You can protect against burs/frozen pipes by wrapping those that are near the surface or lie along an outside wall with heat tape so that they stay warm all year long. Always test your water lines by running water through them to ensure that there are no frozen areas.

Faulty Plumbing

Water damage that is due to faulty plumbing may also be covered. Plumbing repairs should always be performed by a licensed plumber to ensure that everything is working as it should. They will also be able to inspect other areas and make repairs as needed.

When you have questions or concerns about water damage and whether or not it is covered by your insurance policy, call the agents of Easley Hedrick Insurance & Financial. They serve the Richmond, VA area and many of the surrounding communities. They have answers to all of your questions and can offer sound advice when it comes to choosing the right homeowners’ policy.

Will Renters Insurance Cover My Furniture?

Renters insurance is designed to cover all of your belongings, your furniture included. But what does this really mean in a practical sense for the people of Richmond, VA? Easley Hedrick Insurance & Financial is here to give you an overview of what you can expect from your policy so that there are no surprises by the time you file a claim. 

How Renters Insurance Works 

When you rent a property, you clearly don’t own the building or the land that surrounds it. So if something goes wrong, the landlord will have property insurance that covers the building and grounds. What it won’t cover is your belongings. Some landlords require you to have insurance in order to rent their place, but not all will. 

Furniture and Renters Insurance 

Fire, theft, water damage, windstorms: there are a number of things that could threaten your furniture. So if a major thunderstorm caused a branch to fall through your window and the rain ruined your couch, the landlord would put in a claim for the window and you could put in a claim for your sofa. 

Updating Your Coverage 

Renters insurance is like any other form of insurance in that it should be updated to ensure that the coverage limits are accurate. If you owned mainly second-hand furniture when you first moved in, you’ll want to upgrade your limits if you’ve upgraded your furniture too. This way, you can count on reimbursement in case of a covered event. 

Call Easley Hedrick Insurance & Financial Today 

If you want to understand more about how you can make renters insurance work for you, we can help answer all of your questions. We’re here to serve the renters of Richmond, VA so they don’t have to worry about losing what they’ve worked so hard to build. 

Three common misconceptions about umbrella insurance

Research is important when you’re deciding on the best umbrella insurance for your needs. You don’t want to make any wrong decisions on your umbrella insurance solution based on misconceptions. At Easley Hendrick Insurance & Financial, we offer umbrella insurance in Richmond, VA.

The following are three common misconceptions to be aware of regarding umbrella insurance.

It’s expensive to buy an umbrella insurance policy.

Most consumers are surprised at how low umbrella insurance premiums can be. For the amount of coverage that an umbrella insurance policy can provide, the premiums are relatively low. Get some quotes on umbrella insurance policies, and you’ll see that you can probably enjoy an enormous amount of insurance coverage for a very affordable premium amount. 

I don’t need umbrella insurance unless I’m very wealthy.

Almost anyone can benefit from umbrella insurance. You don’t have to be very wealthy to benefit from carrying this type of coverage. You don’t have to be extremely wealthy to end up with an expensive lawsuit on your hands. 

The truth is that it’s just as crucial for those with low to mid-level incomes to have umbrella insurance as it is for wealthy people. Regardless of your income level or level of wealth, you should do some research on umbrella insurance before assuming that you don’t need it. 

Umbrella insurance covers valuable possessions.

Umbrella insurance protects your assets by covering potential liability costs. However, umbrella insurance doesn’t cover your assets themselves. You will file a claim on an umbrella insurance policy if you get sued for damages as the result of a liability issue. 

To learn more about umbrella insurance, get in touch with Easley Hedrick Insurance & Financial. We can provide residents of the Richmond, VA area with the right umbrella insurance solution.

Does Your Auto Insurance Cover A Cracked Windshield?

There are different levels and types of auto insurance available to drives. Some may opt for simple liability to stay compliant with local and state laws, however, most people who have newer or financed vehicles with either need or want what is typically referred to a full coverage auto insurance.

Cracked Windshields 

When drivers select to carry full coverage auto insurance, generally, it refers to a combination of collision, liability, and comprehensive insurance. Some may opt-out of comprehensive, but that is the coverage to cover a cracked or heavily damaged windshield. For example, if there is a rock that hits the windshield and creates a crack or small hole, that issue must be fixed immediately, or it will either spiderweb or cause a large crack that can require a complete windshield replacement. In most cases, the comprehensive coverage will cover either most or all of the cost of the repair. There are many nationally reputable windshield repair companies in most cities and towns that can complete the work quickly and work smoothly with the insurance company.

Ask An Agent

Anyone currently interested in learning more about auto insurance coverage or needs to find a policy that will work for their individual needs in Richmond, VA should reach out to Easley Hedrick Insurance & Financial and speak with a representative to get started. They are committed to a high level of customer service and can help make the process easy to understand and less complicated. 

Residents of Richmond, VA can count on Easley Hedrick Insurance & Financial to assist them with auto insurance purchases and even claims in the future. Call or stop by today to schedule a consultation. 

Benefits of a Virginia commercial insurance policy

For anyone that is looking to become a small business owner, starting in Richmond, VA is a great option. When you are in this area of the state, you are going to be able to rely on a strong population base, a good local economy, and many other benefits. While there are advantages to opening a business here, there are risks as well. One way to mitigate some of these risks is by getting a commercial insurance policy as it can give you a range of benefits. 

Provides Liability Protection

One of the advantages of a commercial insurance policy is that it can provide you with liability protection. As a business owner, there is always a risk that your product or service could cause an injury or illness to another part. Further, if you employ staff, there is a risk someone could get hurt while working. Through liability and workers’ compensation coverage, you can receive the protection you need to offset this risk.

Protects Business Assets

Anyone that starts a small business is going to need to purchase some assets to get the company moving in the right direction. If you lose these assets to theft or damage, it could set you back a lot. When you get a commercial insurance policy, it will give you the coverage you need to replace these assets if you suffer a loss.

Getting a commercial insurance policy is always a good idea for a business owner in the Richmond, VA area. If you are looking for insurance, you should call Easley Hedrick Insurance & Financial as soon as you can. The team at Easley Hedrick Insurance & Financial can help you to determine your insurance needs for your company. From there, they can help you to get into a quality policy.