There’s nothing worse than moving into a new Pismo Beach, CA apartment and discovering bed bugs throughout your home. If you have a renter’s insurance policy from Neff & Associates Insurance Services Inc or any else, you need to understand what your policy will cover and what it won’t cover.
Does Renters Insurance Cover Bed Bugs?
Renters insurance typically covers the physical damage done to a home but does not cover pest infestation. That problem is true of bed bugs, which rarely cause real physical damage to a home. Even worse, the liability policy of most renters insurance won’t cover you if a visitor gets bitten by bed bugs.
There are exceptions to this fact, however, and some policies will cover bed bugs. It all depends on where you get your insurance and what the company is willing to handle. However, finding a policy that covers bed bugs may require looking to alternative policy sources, including expanded renters insurance policy options.
What Policies Will Cover Bed Bugs?
All-risk insurance is a great choice for renters because it will cover just about everything that can happen to an apartment. For example, it will cover bed bug infestations and will pay for getting them treated and eliminated from an apartment and protect your home from a new infestation.
Make sure, though, that you read through a policy carefully to ensure that there are no exclusions listed for pests. Even some all-risk renters insurance policies have exclusions for certain issues and bed bugs and other types of pests often quality as an exclusion.
Learn More About Renters Insurance
While many types of Pismo Beach, CA renter’s insurance policies do not cover bed bugs, that doesn’t mean that policies aren’t available that do. So if you are curious about this type of policy and want to ensure you are fully covered, please contact Neff & Associates Insurance Services Inc to learn more.
Spectacular ocean views call many riders to enjoy California coastal highways. If you’re a motorcyclist in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc to find out the legal expectations of operating a motorcycle here. In the meantime, here are the rules for helmet laws in California.
The short answer is yes. Currently, California does require motorcycle helmets, and this law applies to all riders. In this regard, California law mimics 19 other states. Another 27 states protect minors by requiring them to wear helmets and just three states don’t require helmets.
Types of Helmet Required
California follows minimum safety standards set by the U.S. Department of Transportation for motorcycle helmets. Standard 218 of the Federal Motor Vehicle Safety code set forth the following requirements:
- Thick Inner Liner at least one inch thick and made of polystyrene foam
- Riveted Chin Straps are sturdy and attached to the helmet via solid rivets
- Weight for the federal standards is a minimum of three pounds
- Helmet designs shouldn’t protrude more than 0.2 inches from the shell
Does Not Wearing a Helmet Affect Insurance Eligibility?
Federal laws and state requirements supersede insurance eligibility in this regard. In the state of California, helmets are required to operate a motorcycle, so they are automatically required to be insured as a legal motorcyclist.
Penalties for Not Wearing a Helmet
State laws do not consider operating a motorcycle without a helmet an equipment offense, which would involve steeper penalties. Violations are met with fines of varying degrees, depending on the circumstances.
California law is very specific when it comes to how to hear a helmet to avoid circumvention of wearing a helmet anyway other than the head, In this case, the law is absolute.
To obtain an insurance quote for your motorcycle insurance in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc to set up an appointment for a quote.