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VBI Blog

April 10, 2014 Homeowners Flood Insurance Affordability Act of 2014

FEMA Highlights of Homeowners Flood Insurance Affordability Act of 2014 FEMA released Bulletin 14011 Overview of the Homeowners Flood Insurance Affordability Act of 2014 available in its entirety at this link.  For the most up to date information available on the new flood reforms, please refer to this FEMA Bulletin. Excerpts from

April 8, 2014 Summer Is Almost Here!

  Is your boat or jet-ski insured??? There are five common mistakes boat owners make with their insurance coverage. Whether they believe they do not need insurance because they own their boat, or because the boat isn’t physically in the water during the off-season, there are widespread misconceptions about when boat and

April 1, 2014 Did you miss the March 31st Deadline?

Covered CA announced late on March 31st that due to Record-setting numbers of people trying to sign up for Covered California™ health insurance plans overwhelmed the system on the final day of open enrollment, prompting the exchange to allow consumers who had trouble enrolling by the deadline to work with a

January 29, 2014 Are you ready for some FOOTBALL?

It’s Easy to Host a Fun AND Safe Super Bowl® Party Whether you’re cheering for your favorite team or tuning in for the commercials, you’ll score points with family and friends when you host a party around your television. Help make this Sunday enjoyable and safe for your guests by taking

January 23, 2014 Distracted Driving: Two Words That Should Never Be Seen Together

Do you sometimes wonder at drivers focused on everything but the road? She’s texting! He’s reading a map on his tablet! She’s turned around, yelling at a child in the back seat! Welcome to the world of distracted drivers. The statistics are frightening: Every day, 4,300 crashes result from distracted driving Drivers talking

January 6, 2014 Public Wi-Fi Networks-How safe are they?

These days a majority of us leave the house with some sort of a mobile device whether it is a smartphone, tablet or even a laptop that is making it easier than ever to access email and the Internet via public WI-FI networks, from coffee shops, retail stores and even

January 2, 2014 Ringing in the New Year With New California Laws

Happy New Year! California will ring in the New Year with several new laws or changes to existing laws that go into effect in 2014. Teen driver restrictions: Anyone under 18 years of age can no longer use hands-free technology to send or receive text messages while driving. Texting the old-fashioned way was

December 31, 2013 Happy New Year!

Consider the New Year an opportunity to reevaluate your insurance needs to decide whether to renew, change or purchase policies. Ask yourself these questions to help make sure you are properly protected: • Do you have an immediate need to renew any of your current policies before the coverage period ends? • Did you receive

December 27, 2013 Individual and family plan enrollment important dates

It is hard to believe that 2013 is almost over, and the last day to enroll in an individual and family insurance plan with a January 1, 2014 effective date has passed. With all the news around the Affordable Care Act deadlines of December 15 and subsequent extension to

December 26, 2013 Winter Auto Safety

Did you know that 24 percent of weather-related accidents annually occur on snowy, slushy or icy pavement? Those winter accidents result in more than 1,300 fatalities and 116,800 injuries. Snowy or slushy pavement leads to an average of 30 percent to 40 percent reduction in vehicle speed, decreased visibility, reduced