Safety Tips for New Motorcycle Riders

Motorcycle riders enjoy a level of freedom that few get to experience. For new riders, however, the joy can be dulled by fear caused by lack of skill. The experts at Neff & Associates Insurance Services Inc want you to get the most out of your motorcycle rides. These tips for new drivers will keep everyone safe during motorcycle rides in the Pismo Beach, CA area.

  • Keep your machine in top-notch condition with regular maintenance. Check the tires, mirrors, and brakes before every ride. For tires, ensure the proper inflation and pressure before setting out on the road. If you aren’t sure what the right pressure is for your machine, check your owner’s manual. Look closely at the treads for signs of uneven wear, holes, or objects lodged between the treads. Take your bike to a mechanic at least once a year for a thorough check-up.
  • Always wear your helmet. California law requires it. Opt for long sleeves and pants as well. These will protect your skin in case of a slide-out. The leather is a strong protective fabric. Many manufacturers create pieces that are lightweight while still providing the necessary coverage. Gloves and sunglasses are also recommended to reduce the risk of injury.
  • Take a training class. In addition to general safety, a training class gives you a chance to practice while being coached by a seasoned rider. The tips and pointers they are able to provide are invaluable and can reduce your risk of accident on-the-road. Check with your local DMV for information on classes in your area.
  • Don’t be afraid to look around. New drivers often focus too much on their own actions. Take the time to visually sweep your surroundings for potential problems. Constant vigilance gives you time to react.

Neff & Associates Insurance Services Inc insures motorcycle enthusiasts in the Pismo Beach, CA area. Contact our agents to learn more.

When Is Flood Insurance Worth the Investment?

Did you know that living by the ocean has a lot of benefits? In fact, numerous studies have been conducted that reveal living by the ocean is actually good for your health. From reducing stress to providing you with great scenery when exercising outside, there is so much to enjoy when you live near the water. For now, though, let’s take a closer look at the benefits of living by the water as well as whether or not you should invest in flood insurance if you live by the ocean.

Benefits of Living By the Beach

Back in the 18th Century, it was not uncommon for doctors to prescribe trips to the ocean to clients who were suffering from certain ailments, including anxiety and depression. Studies have shown that when people are near the water, they are more relaxed. Data collected in England even found that those who live close to the coast are actually in better health than those who don’t. 

What About Vacationing on the Beach?

If you don’t own a home by the ocean, there is no need to fret. A simple vacation to the water is a great way to take advantage of the health benefits that coastal living can provide. Even better is that you can switch up your vacations from one destination to the next, giving you the option to check out several oceans. You can even travel overseas if you prefer. 

What About Flood Insurance?

If you have a home on the ocean, you will definitely want to protect it with flood insurance. Homes by the ocean are commonly affected by harsh weather, including hurricanes and tsunamis. With the right flood insurance, though, you can rest assured that your property will be protected even in the event of damage. 

Call Neff & Associates Insurance Services Inc today serving the Pismo Beach, CA area to learn more about flood insurance. 

Understanding Your HOA: Important Considerations for Condo Owners

Whether you are a new or longtime condominium owner, you should familiarize yourself with the activities and governing documents for your unit’s homeowners association (HOA). California law specifies that HOAs operate according to bylaws that describe the organization’s structure and the way the HOA conducts its business. In addition to these governing bylaws, the association also will also have in place rules, covenants, and other documents that define common elements and outline permitted and prohibited activities.

As part of your regular review of condo insurance, you should keep abreast of any changes in HOA practices and policies that could have an impact on you. For example, if a member of your family or a guest in the condo violates association rules, how will you have liability? If someone claims that one of your visiting grandchildren damaged something near the swimming pool or in another common area, what steps must the HOA take to prove its case and what due process rights do you have as a member of the association?

As you most likely know, the insurance maintained by the HOA does not cover personal possessions within your unit. The HOA’s insurance covers “common elements,” but there may be a question about how the association defines these elements. Before purchasing a condo or renewing your policy, you should take an opportunity to review the HOA’s certificate of insurance to make sure that there are no discrepancies or unexpected surprises not covered in your condo policy.

A quick review of the HOA policy and asking questions about the rights and responsibilities of unit owners today may prevent problems tomorrow.

Serving Pismo Beach, CA, the professionals at Neff & Associates Insurance Services Inc look forward to offering condo coverage that suits your needs. Please contact us today.