Home Insurance VIRGINIA BEACH

The Coelho Insurance Agency

Home Insurance VIRGINIA BEACH
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Address
441 S INDEPENDENCE BLVD
 
SUITE 4
Place
VIRGINIA BEACH, VA   23452 
Landline
(757) 437-9647
Fax
(757) 437-8952
E-Mail
jcoelho58@yahoo.com
E-Mail
info@coelhoinsurance.com
Facebook
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Website
www.coelhoinsurance.com

Description

Our main office is located in the heart of Virginia Beach, Virginia. The Agency provides both personal and commercial Insurance for the whole state of Virginia. Our products are Auto Insurance, Homeowners Insurance, Coastal Homeowners, Waterfront Homeowners, Commercial and Home Insurance. In business since 1995. We are a Multi-line agency. From affordable discount auto insurance to standard Home or Homeowners insurance to Coastal and all Waterfront, Water Front and beach property Insurance. We also insure all types of Commercial Business; Including Commercial Auto, Workers Compensation, General liability for most type of Business services. Come by or give us a call for no obligations free rate quotes. We are a full service insurance agency specializing in competitive rates for coastal property or beach property insurance , waterfront property insurance, water front property, auto insurance and commercial insurance. Call us for a free quote today and ask to speak to our friendly agents for all your insurance needs, coastal Insurance, waterfront homeowners insurance and beach properties is one of our best specialties. Call us now and see how much you can save on your homeowners insurance, auto Insurance and your commercial insurance. Information: •Address: 800 Seahawk Cir Ste 142, Virginia Beach, VA 23452 •Website: http://www.coelhoinsurance.com •Specialties: Insurance Agency, Home Insurance Service, Residential Insurance, Auto Insurance, Motorcycle Insurance , FR44 Coverage, SR22 Services, Commercial General Liability Insurance, Homeowners Insurance, Coastal Homeowners Insurance, Flood Insurance and Beach property Insurance •Cities Served: Virginia Beach, Norfolk, Chesapeake, Portsmouth, Fort Monroe, Hampton, Newport News, Suffolk, Knotts Island, Hampton Roads, Tidewater Area, and the rest of Virginia. •Counties Served: Virginia Beach City, Hampton Roads, Tidewater Area, Chesapeake, Norfolk, Portsmouth, Newport News, Suffolk and the rest of Virginia. •Parking: Free, Handicap Accessible •Languages spoken: English, Portuguese, French, Russian Category we are: Insurance Agency, Home Insurance Agency, Auto Insurance Agency, Motorcycle Insurance Agency, Contractor, Health Insurance Agency, Renter's Insurance Agency, Life Insurance Agency, Insurance Company

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Products And Services

  • Auto Insurance

    What is auto insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium. Why do you need auto insurance? It's really all about protecting yourself financially. If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage. Questions to ask your agent Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion: How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.) What is the insurance company's level of service and ability to pay claims? What discounts are available? (Ask about good driver, multiple policy and student discounts.) What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

  • Homeowners Insurance

    Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. What is Homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility. Why do you need homeowners insurance? It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments. If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it. If a guest in your home is injured, liability protection and medical coverage help pay expenses. If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs. If you are still paying for your home, your lender will require insurance. It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not. Things to consider and questions to ask your agent Here are few things to discuss with your agent that will influence your decisions. How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.) Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly? What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.) What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

  • Business & Commercial Insurance

    Commercial Auto As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options. General Liability If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Broad Range of General Liability Protection Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury Property Damage coverage for the physical damage to property of others or the loss of use of that property Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents Contractual Liability extends to any liability you may assume by entering into a variety of contracts Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types Workers Compensation Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities. Do I need workers compensation insurance? Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses. Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

  • Life and Health Insurance

    What kinds of health insurance are there? There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage. Fee-for-Service These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient. Managed Care More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan. What is 'long-term care'? Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.” Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less. Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home. Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care. What are the types of disability insurance? There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD): Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life. Disability policies have two different protection features that are important to understand. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you. In addition to the traditional disability policies, there are several options you should consider when purchasing a policy: Additional purchase options Your insurance company gives you the right to buy additional insurance at a later time for an additional cost. Coordination of benefits The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies. Cost of living adjustment (COLA) The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA. Residual or partial disability rider This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled. Return of premium This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy. Waiver of premium provision This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days. There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Categories

Home Insurance
(757)437-9647 (757)-437-9647 +17574379647

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