Why Independent Insurance Agents Matter

When you need insurance – be it home, auto, business or life, you can get it wherever you want. You can get it wherever is quickest. Right? Wrong. By doing this, you are costing yourself quality customer service, significant amount of money and adequate protection. Buying any type of insurance is not like heading to the grocery store to purchase a gallon of milk or a load of bread. Insurance is your home’s, car’s, business’s or family’s safety net. It is not a purchase that should be treated lightly.

Where to Purchase Insurance?

With all of that being said, should you go online and purchase your insurance? Unlikely. This is because you don’t receive any direction or assistance from a qualified insurance professional, so how do you know you’re making the best decision? If you go to a captive agent, then you aren’t going to be able to receive quotes so that you compare one quote to another to ensure you’re getting the best possible bang for your bank. This is because this particular type of agent sells insurance for a single company.

Where Do You Go Then?

Luckily, you get all of that and a whole lot more by selecting to do business with an independent insurance agent. These agents represent multiple insurance companies and perform research in order to ensure that you receive the best service, coverage and price.

In the end, independent insurance agents, like Neff & Associates Insurance Services Inc, are strong, savvy and adaptable. We are willing to do what it takes to make you – their customer – happy because your happiness and satisfaction is the key to our success.

Top Power Outage Essentials

Power outages are more than just an inconvenience, they can change your way of life for hours or even days. Neff & Associates Insurance Services, Inc wants to help you prepare in case of an outage in the Pismo Beach, CA area.

Light Sources

Keep flashlights in several convenient locations within your home. Also, keep a few battery-operated lanterns on hand. These will provide more light than a handheld flashlight. Candles make a suitable source of light in a pinch, but battery-powered light sources are much safer.


Keep a small battery-operated radio around in case the power fails; this way you can continue to receive updates on the outage. Be sure to keep plenty of batteries around to power your radio and flashlights.

Washing/Bathroom Facilities

If you have a well or septic system, you will need to get creative during an outage. Stock plenty of water—not only for drinking but also for washing and using the restroom. Homeowners with well pumps and septic systems will not be able to run water or flush toilets when the power is out. A good stock of water jugs will get you through an outage, and pouring water into a toilet will force it to flush when there is no power to your well pump.


Keep food on hand that has a significant shelf life and can be eaten with minimal preparation. Protein bars, canned tuna, beans, peanut butter, crackers, and dehydrated fruits can each help provide the carbs, fiber, protein, minerals, and vitamins to keep your energy up during the outage.

For more information on how to prepare for a power outage or to find out which types of losses due to an outage may be covered by your homeowners’ insurance policy, call Neff & Associates Insurance Services, Inc today.