What Renter’s Insurance Doesn’t Include

Many Pismo Beach, CA apartment buildings require tenants to purchase renter insurance before moving in. Even if you live in a single-family rental home, getting a policy is a good idea, but does one cover all your belongings?  Neff & Associates Insurance Services Inc. can help you navigate what coverage you need.

Incidents Covered By Your Landlord’s Policy

Your landlord should have insurance to cover incidents involving the building’s structure. For instance, if your unit is vandalized, your landlord’s policy should pay for it. Similarly, damage to the physical structure from severe storms should be part of the owner’s policy. However, if an earthquake occurs, a specific earthquake policy must cover any damage from that event.

Your Personal Renter’s Policy

The policy your landlord requires you to buy primarily covers your personal belongings. Nevertheless, not all incidents may be covered. It would be best if you read your policy to determine exclusions. Incidents typically excluded include damage from naturally occurring floods, although flooding from burst pipes will be covered. If you operate a business in your rental unit, damage to those contents will be excluded. Also, if you have a roommate, any damage to your roommate’s belongings won’t be covered unless that individual is named in your policy. Damages caused by pests and mold aren’t covered. In these cases, prevention is the best move.

How Do I Cover Those Additional Risks?

If you worry about earthquakes, flooding, and more, you don’t have to go without coverage. The answer is to buy a separate policy that covers damage from those risks. The agents at Neff & Associates Insurance Services Inc., serving Pismo Beach, CA, can help you determine what additional policies you need and the appropriate amount of coverage. Contact our office today to get started on your quote.

Four Important Motorcycle Insurance Coverages

Riding a motorcycle comes with inherent risks that are important to protect against. In addition to wearing safety gear and riding responsibly, you should have the right insurance coverage. Here are four important motorcycle insurance coverages that we at Neff & Associates Insurance Services Inc. generally recommend Pismo Beach, CA riders carry.

1. Liability Coverage

Liability coverage normally covers accidents that you’re partially or wholly responsible for. It might pay for damage or injuries that others sustained in an accident you caused. Liability coverage is something that all riders in Pismo Beach, CA are required to carry when on the road, per California state law.

2. Collision Coverage

Collision coverage is for damage that your motorcycle sustains during an accident, regardless of who is at fault. It usually pays to repair or replace your bike if it’s damaged in a collision — which is generally an accident involving at least one other vehicle.

3. Comprehensive Coverage

Comprehensive insurance protects your motorcycle from damage occurring during non-collision-related incidents, such as vandalism, theft, or a natural disaster. It’ll usually also cover hitting an animal, a tree falling on the bike, fire, and similar perils. Coverage typically applies when your bike is being ridden and when it’s parked somewhere.

4. Uninsured/Underinsured Motorist Coverage

Unfortunately, not all drivers carry sufficient insurance even though they’re required to. Uninsured/underinsured motorist coverage protects you if the other party involved in an accident doesn’t have adequate insurance to cover your losses.

Protect Your Ride with Neff & Associates

Don’t take unnecessary risks when riding. Contact us at Neff & Associates Insurance Services Inc. today to discuss your coverage options and ensure your bike is well protected. We can’t prevent something from happening, but we can make sure you’re protected from covered events.

Four Reasons to Choose Quality Classic Car Insurance

If you own a classic car, you need to take great care of it. Whether you spent a lot of time and effort restoring it or bought it already restored, keeping it safe requires the right kind of insurance policy. Neff & Associates Insurance Services Inc. is here to help if you’re in the Pismo Beach, CA, area and looking for classic car insurance. Here are four reasons to make sure you choose a good policy to meet your needs.

1. You Need More Than Standard Auto Insurance

A standard auto policy doesn’t cover the unique needs of a classic vehicle because they have different needs when it comes to parts and repairs.

2. You Want to Have Plenty of Peace of Mind

When owning a classic car, peace of mind is extremely valuable, and the right insurance policy will help you experience that peace of mind more fully.

3. Getting Coverage Through an Agent Helps Keep You Protected

When you choose a policy through working with an agent, you’ll know that you’ve been given options to choose from and guidance on picking the best one for you.

4. It’s Important to Have Someone to Answer Questions

You may have questions even after you find a policy, and you deserve answers from a dedicated agent committed to helping.

Get in touch with us at Neff & Associates Insurance Services Inc. today if you’re in the Pismo Beach, CA, area and looking for a classic car insurance policy you can rely on. We want to help you get the right policy for your needs so you can show or even drive your classic car with confidence and enjoy it as much as possible.

What a Pismo Beach, CA Business Owner Should Know About Home-Based Business Insurance

You aren’t legally required to buy home-based business insurance to set up and run a home-based business in Pismo Beach, CA. However, there are many good reasons to consider buying one or more policies.

Compensation for Equipment and Inventory

A home insurance policy won’t usually cover more than $2,500 worth of business property. If you have expensive equipment and inventory at home, you’ll want a policy that will provide compensation if this equipment is stolen, vandalized, or damaged in a natural disaster such as a flood or fire. 

Coverage Outside the Home

Are you a self-employed expert who takes expensive business equipment outside your home? If so, you’ll want coverage in case of damage. Photographers, carpenters, and contractors are some of the many professionals who can benefit from home-based business insurance that covers vital business machinery and tools even when they’re not used in a business owner’s home.

Liability Coverage

Some businesses are more likely to incur liability claims than others. Even so, almost every home-based business can benefit from home-based business liability coverage. This type of insurance covers third-party accidents in your home, damage to a client’s property, copyright infringement claims, and even advertising injury. 

Get Personalized Advice from Neff & Associates Insurance Services Inc.

Neff & Associates Insurance Services Inc. has many years of experience providing Pismo Beach, CA, business owners with top-tier insurance. We are locally owned and operated and take pride in helping each business owner find the policy that best suits their needs. Contact us to learn more about business insurance, review our policy options, or get a quote.

Different Types of Protection You Get From Condo Insurance

If you own a condo, it’s extremely important that you have condo insurance. Even if you’re not interested in this insurance, you are required to have it. Every lender and virtually all condo boards require you to have this insurance. So, what does it do? It provides a lot of different kinds of protection for you. When it’s time to get your condo policy, you can call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA. 

Protection for the Condo

One of the most essential types of coverage in these policies is the protection it gives to the actual dwelling. Condo policies are written for the specific areas of the building that you own, which doesn’t include the outside walls. The policy will be written specifically for your condo and the footprint that you own. It covers the cost of your home’s repairs if a damaging event happens. Home repairs can be very expensive, so having this coverage is important. 

Item Protection

You also have protection for your belongings in this type of policy. All of the items inside your condo will be covered by your policy so that you can replace them if a covered event damages them. This can save you a lot of money if the worst happens. 

Protection for Your Liability 

When you’re a homeowner, you’re responsible for any accidents that happen on your property. If someone from outside your home were to come over and become injured, you’d be responsible for the medical bills resulting from the accident. Condo insurance offers coverage that will pay for those bills and give you what could be an enormous amount. 

Get Condo Insurance 

When you need condo insurance, call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA. 

Why Flood Insurance Is So Important to Homeowners

Why Considering Flood Insurance is Essential, irrespective of Your Location

If you are contemplating the necessity of flood insurance, consider this: Almost every homeowner should have it. Flood insurance is an essential buffer against expensive flood repairs, offering peace of mind and enhanced financial security. We at Neff & Associates Insurance Services Inc in Pismo Beach, CA are here to help if you do not have flood insurance yet.

Understanding Home and Flood Insurance Policies

People resist getting flood insurance because of the misconception that their home insurance will cover them against floods. Regrettably, standard homeowners insurance does not include flood coverage. If a flood occurs and you only have homeowners insurance, you will be responsible for all repair costs. Therefore, homeowners need to hold both home and flood policies to be comprehensively protected against disasters.

Acknowledging the Reality of Flood Zones

Flood zones are designated areas prone to regular flooding, although this might occur only every 20 or 50 years. However, an estimated 20% of all flood insurance claims originate from areas not classified as flood zones. Practically every area has a potential risk of flooding, and the financial devastation can be crippling. In extreme cases, homes might require complete rebuilding after a severe flood. Hence, it is crucial to have coverage no matter where you live to mitigate such unexpected events.

You need flood insurance to be well-protected against disasters. Contact Neff & Associates Insurance Services Inc. in Pismo Beach, CA, today to learn more about our versatile insurance options.

Can You Insure After Market Auto Parts Under an Auto Insurance Policy?

The Importance of Insuring Aftermarket Auto Parts

Are you an automobile enthusiast who relishes customizing your vehicle with aftermarket auto parts? If so, you might wonder if such additions can be insured under your auto insurance policy. This is a valid concern, and at Neff & Associates Insurance Services Inc., offering services in the greater Pismo Beach, CA area, we can help answer these questions and more.

By definition, aftermarket auto parts are those non-original equipment manufacturer (OEM) parts that are installed on a vehicle after it leaves the assembly facility. These parts can range from performance upgrades and custom accessories to cosmetic enhancements. Securing aftermarket auto parts insurance is crucial to ensure these additions are protected in the event of damage or theft.

Within the industry, many insurance policies offer coverage for aftermarket parts, but the scope of this coverage can significantly vary. We highly recommend carefully reviewing your policy and discussing your specific needs with your insurance agent. Depending on the extent of your vehicle’s customization, additional coverage options may be necessary to ensure your aftermarket parts are adequately protected.

It’s worth mentioning that some insurance companies provide custom equipment coverage as an add-on to standard auto insurance policies. This coverage is specifically designed to protect aftermarket parts and accessories that haven’t been factory-installed. Common items eligible for this coverage include upgraded audio systems, custom wheels, or aftermarket performance enhancements.

However, please be aware that insuring aftermarket parts will often necessitate appropriate documentation and appraisals. These procedural necessities enable insurance companies to gauge the value of custom enhancements accurately, ensuring you’re adequately covered in the case of a claim.

In conclusion, protecting your aftermarket auto parts is an essential aspect of comprehensive auto insurance coverage. The right policy and adequate coverage options, provided by Neff & Associates Insurance Services Inc., will assure your peace of mind, secure in the knowledge that your customized vehicle is safeguarded against unexpected events. Don’t hesitate to call us today and start the process.

Are Fires Covered By Home Insurance Policies?

Understanding Your Home Insurance Coverage Against Fire Damage

Experiencing a fire at home can be one of the most frightening and devastating events in a homeowner’s life. For those of us residing in the stunning coastal region of Pismo Beach, CA, where the beauty of nature blends with the scenic vibes of the coast, protecting our homes against fire incidents is of paramount importance. Curiously, one prevalent question concerning homeowners is whether fires are covered by their standard home insurance policies. At Neff & Associates Insurance Services Inc., we’re here to provide a comprehensive answer to this valid concern.

Given our geographical situation, it’s essential to appreciate that while living in an inherently beautiful coastal region is filled with numerous perks, it also brings inherent risks, including unpredictable wildfires. Thus, understanding your insurance coverage becomes a fundamental tool in safeguarding both your property and your mental tranquillity.

On a positive note, the majority of standard home insurance policies do provide blanket coverage for damage caused by fires. This typically includes comprehensive protection against structural damage inflicted upon your home and any personal belongings encroached upon by the fire. But it’s pivotal that you review your policy intricately and fully comprehend the magnitude of your included coverage.

Notably, while fire damage coverage is a standard provision in the majority of home insurance policies, there may be specific exceptions or limitations that should be considered. It’s of crucial importance for you to familiarize yourself with any potential exclusions or restrictions in your policy, such as special considerations for wildfires or high-risk areas requiring additional endorsements.

Get the Coverage you Need!

Remember, your home is much more than a mere structure; it’s a significant investment and a veritable sanctuary of comfort and safety for you and your loved ones. At Neff & Associates Insurance Services Inc., our team is dedicated to helping you find the right home insurance coverage to shield you from potential fire damage. Don’t hesitate to reach out for the essential coverage you need.

Automotive Security Devices That Could Be Beneficial

Automotive security devices protect against theft and vandalism. Review some devices that could minimize the need to file an automotive insurance claim. Consult a Neff & Associates Insurance Services Inc. agent about modifying your Pismo Beach, CA, car insurance policy.

Steering Lock

A steering lock is a device that attaches to the steering wheel. It prevents a vehicle from being driven. Installing this type of lock requires the use of basic tools. A steering lock should be installed whenever your vehicle is going to be unoccupied for a long duration.

GPS Tracker

A GPS tracker is used to determine the location of a vehicle. A tracking device can detect when a vehicle is moving and when it is parked. This type of device can be used to monitor your vehicle day and night. If you own a vehicle used for business purposes, installing a tracker will allow you to monitor your vehicle’s location when it is not at your place of business.

Alarm System

An alarm system will detect when the doors of your vehicle are opened. It will also detect if your vehicle is moved from its current location. A range of alarm systems on the market will provide protection for standard passenger and commercial vehicles.

Defensive Driving

Defensive driving courses are designed to keep drivers safe. Participating in a course will prepare you for adverse driving conditions. It will also help you remain alert when driving down busy roadways.

Final Words

Make sure you have reviewed the necessary security devices and measures to protect your vehicle. Contact an agent who serves Pismo Beach, CA. Our agents at Neff & Associates Insurance Services Inc. will recommend insurance products that are right for you.

How Umbrella Insurance Works With Home and Auto Policies

When you already have home and auto policies, you may not have enough of a specific type of coverage. These policies have several coverage types within them, and liability is one of them. It’s a meaningful way to protect yourself, and you can get more by getting an umbrella policy. It not only gives you more coverage, but it saves you money at the same time. When you need umbrella insurance, call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA. 

Liability Coverage

Your home and auto policies have a level of liability protection that will protect you against the cost of accidents. When there’s an accident in your home, your home policy can pay for the medical bills of the injured party who isn’t a member of the household. The same is true for your auto insurance when you have an accident with your vehicle. It has a level of liability for the injuries of the other party. The problem is that these levels of liability coverage from both policies are likely too low to pay for a costly accident. When you get umbrella insurance, it adds to both of these policies with extra liability coverage. 

Saving Money

Umbrella policies come with a very large amount of coverage for a small price. Getting an umbrella policy is much less expensive than adding more liability coverage to your home and auto policies directly. This is a cost-saving that leaves you well protected against accidents and liability. 

Get Umbrella Insurance for More Protection

When you already have auto and home insurance, getting an umbrella policy as an extra layer of liability coverage is a smart move. Call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA to get started.