How sand and wind can hurt your car in Pismo Beach

If you’ve managed to secure yourself a cozy little home in Pismo Beach, CA, then you don’t need us to tell you that you lucked out, and you should do everything in your power to make sure you never have to leave. Real estate prices are only getting higher in California, and Pismo Beach is no exception. Everyone in the world wants to kick back on the beaches of the West Coast, but only a select few are lucky enough to do so.

That said, there are some downsides to living right on the beach. Namely, all that sand and wind can file away at your car like a power sander on an eggshell.

It’s a basic two-step process: The sand clings to your car, and the wind coming in from the ocean brushes it across the surface like a jagged, chipped nail file.

Here’s how you prevent it:

  1. Make sure to keep your car clean. If the sand isn’t allowed to sit, then it won’t be allowed to saw away at your car’s clear coat or the paint underneath.
  2. Blast your engine clean. It takes awhile for enough sand to collect inside the car to do any internal damage, but whenever you fill your tires, you might as well blow some air under the hood, too.
  3. Don’t park right at the beach if you can help it. Not only will this keep too much sand from collecting on your car, but it will also make it easier to leave without being blocked in.

You can get a policy through Neff & Associates Insurance Services Inc that will take the wear and tear into account, but Neff & Associates Insurance Services Inc can’t prevent the damage from taking place in the first place. If you live in Pismo Beach, CA, learn to manage sand and the wind.

Myths You Need to Know About Home Insurance

The internet has made finding information easier than ever. However, it has also made it easier for myths to spread and for some people to believe they are truths. When you are buying home insurance, you need to know what is a myth and what is fact. Here are three common home insurance myths and the truths surrounding them.

Floods Are Covered By Home Insurance

Floods are typically not covered by home insurance. They are typically excluded from coverage. However, this does not mean you cannot protect your home from a flood. If you are worried about flooding, you will want a supplemental or separate home flood insurance policy.

Mold is Covered By Home Insurance

Mold can cost thousands of dollars to remediate. Unfortunately, mold is not always covered by home insurance. If the mold is caused by a flood in your home, it is often excluded, just like a flood. However, if the mold is caused by something covered by home insurance, such as a leaky pipe, the mold will likely be covered. So in this case, there is some truth to this myth, but not all mold is covered.

You Get What You Paid for Your Items When You File a Home Insurance Claim

The last home insurance myth is that you will get what you paid if belongings in your home are damaged or are stolen. This is not the case. You will receive fair market value for the items. This means that if you paid $500 for a television two years ago, you might only receive $200 for the television, as that is all a two-year-old television may be worth. This helps to ensure you have the money to replace the item that is missing, without benefiting from the incident.

If you have any questions about home insurance policies, or you are in the market for a new policy, contact Neff & Associates Insurance Services Inc, serving the greater Pismo Beach, CA area. We can help to answer all of your questions and provide you with great insurance coverage. Call us now to get started.