Benefits of Umbrella Insurance in Pismo Beach, CA

There are a number of reasons to get umbrella insurance if you live in Pismo Beach, California though it all depends on your particular situation. Of course, many people don’t know what umbrella insurance is or how it is helpful so this helpful guide has been created below to explain the umbrella insurance policies to you. If after reading this you do elect to get this type of insurance coverage, consider using a local broker like Neff & Associates Insurance Services, Inc, who serves the local Pismo Beach area and offers competitive rates.


There are a few main reasons to get umbrella insurance. First, it covers any gaps in your existing home and auto insurance policies that they may not cover. Next, it will protect you against lawsuits that people who you are in a car accident with or if someone gets injured on your property turns around and tries to sue you. Umbrella insurance also protects you from slander or libel, as these are an example of those things that aren’t covered by your home or auto insurance policy.


Most of these policies range between $100 and $200 per month depending on how much coverage you need. Remember this is extra coverage so it will give you about one million dollars of additional coverage for this amount per month.


That’s a question you will have to ask yourself because every situation is different when it comes to umbrella insurance policies. Do you think you will be vulnerable to lawsuits in the future that would otherwise be covered by an umbrella insurance policy? Obviously it is hard to predict the future but if you regularly do things that could yield a lawsuit or have a lot of interaction with strangers on your property (like if you’re a business in Pismo Beach) then an umbrella policy is probably a good idea. 


How to handle flooded conditions when on the road

The best way to drive through flooded streets is not to do so. Six inches of flowing water can knock you off your feet. A foot of water will float a car. Two feet of water can sweep a car and all it contains away. If you happen to be somewhere when stormy weather is causing flooded conditions, consider delaying your trip.

If you have to go somewhere, you should take some sensible precautions. Some smartphone apps and internet sites will be able to tell you where the streets are flooded. The weather report on the radio should also give you up-to-the-minute information. You will be able to plan your trip accordingly.

If you come to a flooded section of road, do not try to cross. Your personal safety and keeping your car dry are more important than getting to where you’re going on time.

If for any reason you have to cross a patch of flooded road, take note of how other cars are driving through it and judge the depth of the water accordingly. Drive slowly and steadily until you get to dry pavement. Test your brakes.  If they are too wet to stop the car, keep pressing them with your left foot while driving very slowly with your right foot until they are dried.

If you are stalled in high water, get out of the car and go to higher ground if you can do so in safety. If not, call 911 on your cell phone or call for help from a passerby.

For your insurance needs, contact Neff & Associates Insurance Services, Inc. serving Pismo Beach, California.