Velece Insurance

Velece Insurance is closed tomorrow, September 25th due to the holiday. Sorry for any inconvenience!

As temperatures start to drop, your car's needs change too. Run through this fall maintenance checklist to stay ahead of the season: https://bit.ly/3TwTghA

With Foremost Insurance – I just made it onto their weekly engagement list by being one of their top engagers 🎉

It's always good to know what your insurance policy covers and what the coverage's mean.

Do you know what your car insurance covers?

Liability Coverage:
This often covers the cost of damage you cause to other people’s properties or bodies. This is what is often required by state law to have.

Comprehensive Coverage:
This often insures damage to your vehicle by certain covered events, like hail and theft.

Collision Coverage:
This often provides coverage for your car in the event of an accident, regardless of fault.

Learn more about the myth of "full coverage" here: https://bit.ly/3T7UQGU

🇺🇸 LABOR DAY ROAD TRIP REMINDER 🇺🇸

Before you pack the car and hit the highway, make sure you:

• Check your tire pressure, fluids, lights, and wipers
• Keep proof of insurance and roadside assistance info handy
• Pack water, snacks, chargers, and a basic emergency kit
• Give yourself extra time for holiday traffic
• Take breaks if you’re tired or driving a long distance
• Know what to do if you need to file a claim while away from home

A few minutes of preparation can help make your long weekend safer, smoother, and less stressful.

Questions about your auto coverage before you travel? Contact Doug or Sonja at Velece for a quick policy review.

🛑 SAFETY TIPS FOR NEW DRIVERS

Parents can help new drivers develop habits before the school year gets busy. A few things to remember and share:

Put the phone away before the car starts moving.
Leave earlier than you think you need to.
Slow down near schools, parking lots, and neighborhoods.

Know the passenger rules and family driving rules.
Safe driving begins with choices made every day.

To insure your new driver, visit Velece.com, the OCEA-owned insurance agency for union members, their family, and friends.

We’re also open to the general public!

🚗 NEW DRIVERS & BACK-TO-SCHOOL: Did you know Velece Insurance is a valuable member service created to support OCEA members and their families?

As summer turns into back-to-school time, families often have big changes happening: new drivers on the road, students going away to college, home projects finishing up and more devices charging in the house.

A quick insurance check-in now can help avoid problems later. Visit Velece.com for more info.

🚨 ADDING A NEW DRIVER THIS SCHOOL YEAR?

If your teen or student driver will be driving to school, work, practice or college, reach out to Velece before they get behind the wheel.

Your Velece agents Doug and Sonja can help you look at:

• Whether the driver needs to be added to your policy
• Which vehicle they will drive
• How often they will drive
• Where the vehicle will be parked
• Whether student-related discounts could apply
• Whether your current coverage still works for your family

👉 Adding a driver is also a good time to check liability limits, deductibles, comprehensive and collision coverage, and uninsured and underinsured motorist protection.

Even if you are not sure whether your student needs to be added, it is better to ask early.

✅ SCHEDULE A FREE POLICY REVIEW WITH OUR VELECE AGENTS!

Summer is a great time to review your insurance policies—especially after life changes like moving, adding drivers, buying a new vehicle, making home improvements, or preparing for a student driver. 🚗🏡

At Velece—the insurance agency for OCEA members, their family, and friends—our policy reviews are always:

✅ No cost
✅ Pressure-free
✅ Designed to meet your needs

Let us help make sure your coverage is complete, current, and working for you.

No sales tactics. Just smart protection from agents who care about helping you make informed decisions.

👉 Schedule a quick review with Doug or Sonja today through velece.com/get-a-quote/

💼 DO YOU QUALIFY FOR A PROFESSIONAL DISCOUNT?

Velece clients working in dozens of professions may qualify for exclusive insurance discounts. If you or a family member works in one of the fields below, be sure to ask about potential savings!

Qualifying job categories may include:

🏛️ Government & Education
Social Services eligible fields recently expanded!

⚕️ Medical Professionals

🔬 Scientists & Engineers

🚓 Public Safety & First Responders
Police, Fire, Paramedics, Animal Control, and more

📋 Project Managers & Human Resources

💳 Banking and Finance

🛒 Members of AAA, Costco, or Sam’s Club

Even if you’re not sure whether you qualify, we’ll look into it for you.

Specific credentials are required for any applied discount.

👉 Submit an inquiry and let Doug or Sonja review your eligibility.

💧 WATER LEAK DETECTION: A NEW PROGRAM TO KNOW ABOUT 🚨

Unexpected water damage can be expensive, stressful, and disruptive. Mercury Insurance has introduced a new water leak detection requirement for certain new homeowner policies to help customers reduce the risk of water-related claims.

For policies effective May 29, 2026, and later, qualifying smart water leak detection devices must be installed on certain new HO-3 homeowner policies before the first renewal if the property meets specific criteria.

QUALIFYING DEVICES MAY INCLUDE:

-WHOLE-HOME WATER FLOW MONITORING
Tracks water flow and can send real-time alerts when unusual activity is detected.

-SMART OR CENTRALLY MONITORED LEAK DETECTION AND SHUTOFF
Automatically shuts off water when a leak is detected.

-SMART POINT-OF-LEAK SENSORS
Alerts homeowners when water touches the sensor.

In addition to helping prevent costly water damage, qualifying devices may also help customers receive a homeowners policy discount after installation.

👉 Not sure whether this applies to you? Contact us through Velece.com and we’ll help you review your options.