6 Things That AREN'T Covered By Your Homeowners Insurance  (1)

6 Things that AREN’T Covered by your Homeowners Insurance

Your home is probably your most important investment. And how do you ensure it is well taken care of? Homeowners’ insurance, of course! While you may sleep soundly knowing that your house 100% covered, do you know that there are loopholes in every homeowners insurance coverage? We never like it when something isn’t covered by our clients’ insurance. So it’s important for us to share these situations with you so you can take greater precautions and/or purchase additional insurance to be fully protected. Continue reading


DIY: Changing Motor Oil and Engine Coolant

For a car to last long, it has to be regularly maintained. And because cars are becoming more and more sophisticated, it’s now more expensive to keep them in good condition. But that shouldn’t always be the case. You can spend less on your car by doing some of it on your own even if you don’t have any mechanical background. Here are some car maintenance projects you can do at home.

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Car Insurance Deductibles & Coverage Limits

Car Insurance Deductibles and Coverage Limits Explained

Knowing the basic terms in car insurance will help you have a better understanding of what you’re paying for and how it can be used to help you.

Policy limits and deductibles are two parts of the insurance policy that are extremely important for any responsible insurance buyer to understand because they represent the parts of an insurance claim that the insurance company doesn’t pay –  you do!

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Questions to Ask About Renters Insurance

Ask These 8 Questions Before Buying Renters Insurance

According to the recent studies, only 30 percent of renters in the United States consider purchasing renters insurance. The most common reason people don’t purchase renters insurance is because they think it’s too expensive or they won’t need it.

Unfortunately both of these assumptions are wrong.

Landlords are not liable at for any damages to your furniture or personal belongings and if your stuff is stolen no one will reimburse you for that either. If you’re in the market for renters insurance here are 8 questions you need to ask yourself before signing the contract:

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Avoiding the 4 Most Common Homeowner Insurance Claims

Avoiding the 4 Most Common Homeowner Insurance Claims

There’s little doubt that when it comes to investments, most people consider their home to be their biggest. You spend thousands of dollars a year not only on maintaining the property itself but also on mortgage payments, taxes, insurance  and even the furniture that you have to put in.

Having the right homeowners insurance is obviously extremely important in the even that you need it, but there’s a lot you can do to avoid ever needing to file a claim.

Below are the top causes for homeowners insurance claims along with some quick tips on how to prevent the causes of each home dilemmas on the list.

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Why Buy Insurance From an Independent Agent?

Why Buy Insurance From an Independent Agent?

There are a lot of options when it comes to buying insurance. You can visit insurance websites to get quotes online, use a smartphone app, call an 800 number, or contact a local insurance agent. There is no better way to buy insurance than from an independent agent. Of course we’re biased, but there are too many reasons to buy from an independent agent instead of from someone who works directly for an insurance company. Here are 4 of our favorites:

You Don’t Have to Shop Around

Independent insurance agents work with multiple insurance carriers, which means we can run quotes for several different insurance companies at the same time and determine right away where you’ll get the best deal. If you visit individual insurance company websites or call 800 numbers you’ll have a hard time getting more than 3 quotes an hour.

You’ll Get the Best Price

Since independent insurance agencies like Velox work with so many different insurance carriers, it’s easy to find a company that has the most competitive price for your situation. Whether you have a perfectly clean driving record or are high-risk, we’ll find an insurance carrier that wants to have clients like you and is priced accordingly.

You’ll Get the Best Insurance

Because an independent insurance agency has many different carriers to sell insurance through, they have first-hand experience working with many different insurance carriers and if an independent insurance agent has bad experiences with one carrier they’ll stop selling their insurance.

You’ll Get the Truth

Insurance agents who only sell for one insurance company are not in a position to give honest and forthright information to their clients. When a salesperson only has one option to sell you they’ll either be unconsciously biased toward their product or will consciously tell you things that are not true about the insurance company because they have no other options!

If an independent insurance agent makes a recommendation to you about which insurance company is best you can believe them. As an independent agency our loyalty is to customers, not insurance carriers.

If you’ve never worked with an independent insurance agency before don’t be surprised if you never go back. The time and money savings, policy options, and honest advice cannot be beat. See for yourself by giving us a call at 1-866-Go-Velox or click here to locate a trusted independent agency near you today.