Motorcycle Insurance

If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.

What Is Covered Under Motorcycle Insurance?

The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:

Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
Property damage to your motorcycle caused by a collision with another object
Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
Roadside assistance
Towing
Trip interruption expenses
Additional or specialized equipment

Contact our agency today to learn more about the protections that may be available to you.

Why Do You Need Motorcycle Insurance?

Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.

How To Get Motorcycle Insurance

If you need a motorcycle insurance policy, we’re here to help. Call Matt Roenker Insurance Agency to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.

Life Insurance in Virginia Beach, VA

Life insurance can help provide financial security for you or your loved ones by replacing lost income and covering various expenses after your death or when the policy’s term is up. If you’re looking for life insurance, we’re here to help. Our agency is ready to discuss your life insurance needs and help find a policy that’s right for you.

What Is Life Insurance?

Life insurance is a contractual agreement between you (the policyholder) and the insurance company. In exchange for paying the insurer a regular premium, your beneficiaries will receive a lump-sum death benefit when you pass away or after a specific amount of time has passed.

What Are the Types of Life Insurance?

There are two primary types of life insurance, including:

Term life insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.
Whole life insurance—A whole life policy will last for the remainder of your life once you enroll. It will not expire unless you stop paying for it. Additionally, such a policy offers cash value investment opportunities. This cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).

Several other types of life insurance also exist. Speak to one of our agents to determine which type of coverage suits your particular needs.

How to Get Life Insurance

If you’re in need of a life insurance policy, we’re here to help. Give Matt Roenker Insurance Agency a call or request a quote online to get started.

Home Insurance in Virginia Beach, VA

Home insurance may lower the financial fallout of unexpected damage and liabilities that can affect your property. Whether you’re looking for a new policy or curious if your current coverage is adequate, Matt Roenker Insurance Agency is here to help you.

Is It Required?

Home insurance is not legally required in Virginia. However, your lender or mortgage company may ask for proof of insurance if you’re leasing or financing your home.

What Does It Cover?

While policy inclusions may vary depending on the insurer and your circumstances, a standard home insurance policy can offer the following coverage:

Liability coverage can help with legal, medical and other expenses if you are responsible for causing bodily injuries or property damage to a third party.

Dwelling coverage can cover damage to your home and attached structures like chimneys and porches.

Other structures coverage can help pay for the repair or reconstruction costs of detached structures like garages and sheds.

Personal property coverage can cover the replacement of appliances, clothing, furniture and electronics, up to policy limits.

Additional expenses coverage can help pay for shelter, meals and other necessities if you’re forced to move out of your home temporarily due to a covered peril.

How Much Coverage Do I Need?

Your coverage should be enough to pay for entirely rebuilding your home if a covered risk destroys it, without the need to pay out of your own pocket. It should also be sufficient to cover expenses related to third-party claims of bodily injuries or property damage.

How Much Does a Policy Cost?

Many factors can determine the cost of your policy, including the following:

Location

Property size and value

Claims history

Coverage selection

Deductible

Get Covered Today

Contact Matt Roenker Insurance Agency to explore your home insurance options or request a personalized quote.

Health Insurance in Virginia Beach, VA

Having the right health insurance coverage to suit your needs is essential to your overall well-being. Health insurance helps pay medical expenses, including treatment for severe medical conditions and preventive care. This coverage may reduce how much it costs to get necessary health care. Contact our agency to learn more about your health insurance options and to get a quote.

Is Health Insurance Required?

There are no laws that require individuals to carry health insurance. Access to health insurance coverage can help minimize the costs of preventive care and medical treatment. With a health insurance plan, you’ll have access to doctors and hospitals, typically at a lower price than you’d pay if you were uninsured. If you need assistance determining which health insurance options best suit your needs, contact an agent.

What Are My Health Insurance Options?

There are several health insurance plans and additional coverage options to help you access necessary health care services, including:

Individual and family plans.
Group health insurance plans.
Vision and dental insurance.
Prescription insurance.
Health savings accounts (HSAs).
Disability insurance.
Supplemental insurance.
Long-term care (LTC) insurance.
Travel health insurance.
Medical expense health insurance.

Our agents can help evaluate your situation, recommend coverages that fit your budget and help you choose a health insurance company.

How to Get Health Insurance

Matt Roenker Insurance Agency is prepared to help you determine the best coverage option for your health care needs. To learn more about health insurance or to get started with a policy, reach out to an agent today.

General Liability Insurance

Commercial general liability insurance can cover your business and clients by providing financial assistance when the unexpected happens. Our team can help you secure the insurance your business needs. Contact us today to get started.

Commercial General Liability Coverages

Commercial general liability insurance typically provides coverage for:

Third-party property damage. Commercial general liability insurance may provide repair or replacement costs if your business is responsible for damaging others’ property.
Third-party bodily injury. Commercial general liability coverage may pay for medical expenses if your business is responsible for a third-party bodily injury (e.g., an injury occurring at your business).
Personal and advertising injury. Commercial general liability insurance may provide coverage if your business is sued for a personal or advertising injury (e.g., slander, libel or copyright infringement).

In addition to providing compensation for damages, commercial general liability insurance may pay associated legal fees (e.g., attorney fees, settlements and judgments). Speak with your agent for more information on coverages, limits and exclusions.

Why Commercial General Liability Insurance Is Important

Although commercial general liability insurance typically isn’t required by law, some business licenses may require coverage. Or a landlord may require proof of insurance before offering a lease.

Commercial general liability coverage may also help you avoid paying for unexpected losses out of pocket. Reach out to your agent for additional information on how commercial general liability insurance may mitigate your business’s risks. We can help you secure the coverage that is right for you.

How to Get Commercial General Liability Insurance

Our team can help you obtain your commercial general liability insurance policy. Contact us today for additional information or a quote.

Flood Insurance

If you live in a flood-prone area, your home faces a substantial risk of property damage due to flooding. And while standard home insurance might provide coverage for household water damage resulting from a burst pipe or similar incident, your home insurance won’t cover damage caused by floods. Depending on your home’s location, your need for flood insurance could be significant. Contact our agency today to discuss your flood insurance needs.

What Are My Flood Insurance Options?

The National Flood Insurance Program (NFIP) underwrites most flood insurance. If your community participates in the NFIP, you may be able to purchase an NFIP plan. Usually, you can buy NFIP plans through a major insurer or the NFIP Direct system.

NFIP plans must comply with federally established standards. There are two types of coverage: structure insurance, which protects your house, and contents coverage, which insures your possessions. There may also be coverage for debris removal costs, loss avoidance and cost of compliance.

You may be able to receive compensation for your losses and reduce your flood recovery costs by filing a claim on your flood insurance plan. Flood insurance doesn’t usually take effect until 30 days after purchase. However, if your lender requires that you have flood insurance to make, increase, extend or renew your loan, then there’s no waiting period.

Who Needs Flood Insurance?

Many homeowners must buy flood insurance if they live in a designated high-risk flood zone or have a mortgage backed by a federally insured lender.

Some lenders may require their mortgage holders to purchase flood insurance regardless of living in a high-risk zone. In addition, coverage is necessary if you live in a high-risk flood zone and have ever received disaster assistance through FEMA or the U.S. Small Business Administration.

How to Get Flood Insurance

Flood insurance can help financially protect you against the dangers of having your house flooded. Without it, you will need to pay flood-related damages out-of-pocket, which can be expensive. Contact Matt Roenker Insurance Agency today to learn more about flood insurance.

Commercial Auto Insurance

Businesses that rely on vehicles for their operations should consider purchasing a commercial auto insurance policy. Certain federal or state laws may mandate that commercial vehicles and drivers have adequate commercial auto insurance. If you need commercial auto insurance or want to ensure your business is in compliance with applicable regulations, contact Matt Roenker Insurance Agency today.

What Is Commercial Auto Insurance?

A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance comprises various coverages, including:

Liability coverage may provide repair costs for the other person’s vehicle or property. It also can provide coverage for the legal fees associated with a lawsuit for personal injury.
Comprehensive coverage can provide complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism and fires.
Collision coverage may cover vehicle repair costs if an insured vehicle collides with another vehicle or object. Collision insurance may also help replace a totaled vehicle.
Medical payment may provide coverage for passengers and the driver when there is a need for medical care resulting from an accident.
Uninsured motorist coverage provides bodily injury coverage if an uninsured driver hits a business’s vehicle and injures its driver and passengers. Some uninsured motorist coverage also covers damage to the company vehicle.
Underinsured motorist coverage provides coverage if an underinsured driver hits a business’s vehicle and injures its driver and passengers. Some underinsured motorist coverage also covers damage to the company vehicle.

Policy endorsements may be available to your business to help round out your policy. Add-ons may include roadside assistance coverage, towing reimbursement, hired non-owned coverage, rental reimbursement and gap coverage for auto loans or leases.

How to Get Commercial Auto Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Matt Roenker Insurance Agency today for a quote or to discuss your commercial auto insurance needs.

Auto Insurance in Virginia Beach, VA

Auto insurance provides financial protection for your vehicle and may cover costs related to accidents, theft, vandalism or other covered events. If your vehicle is damaged, your policy may help pay for repairs or replacement, as well as legal and medical expenses if you’re found responsible.

What Does Auto Insurance Cover?

Your coverage may vary depending on the policy you choose. However, a standard policy may provide the following:

Comprehensive coverage may cover damage caused by non-collision events like fire, natural disasters, theft or vandalism.

Collision coverage may help pay for repair or replacement costs if your vehicle is damaged in a collision, regardless of who’s at fault.

Liability coverage may pay for legal and medical expenses if you’re found liable for causing property damage or bodily harm to another party.

Medical payments (MedPay) insurance may help pay for your and your passengers’ medical bills after an accident.

Uninsured/underinsured motorist coverage may cover damages if you were hit by a driver with insufficient coverage, or if you were a victim of hit and run.

How to Get Auto Insurance

Contact Matt Roenker Insurance Agency today to learn more or ask for a personalized quote.