3 Reasons to Buy Flood Insurance

To many people’s surprise, flood insurance is not included in a typical home insurance policy. If you live in Pismo Beach, CA, you particularly need to think about how flooding will affect your property. If you’re unprotected, Neff & Associates Insurance Services Inc wants you to know a little more. 

Your Location 

From earthquakes to strong storms, there are a variety of ways that the homes in Pismo Beach, CA may experience some type of flooding. The ocean may be beautiful, but it can also be destructive. Flood insurance can give you peace of mind if the weather takes a turn for the worst. Flooding can affect anyone in the US of course, but locations near the ocean (even if they’re not located on the beach) may have a few more reasons to worry. 

Flooding Doesn’t End at Water Damage

Water damage is extremely difficult to eliminate from a home. The mildew can get trapped in the fibers of practically every surface and leave a musty smell long after the area is cleaned. But mildew is not the real concern for a homeowner. Water damage can, unfortunately, lead to mold that can spread to every room. And while some variations of mold are mild, others are deadly. These infestations can grow behind the walls for months before anyone has a chance to even notice it. 

You Need Someone to Turn To

Flooding is a scary experience for anyone, which is why it can be terrifying to try to handle on your own. Neff & Associates Insurance Services Inc wants everyone to have a partner they can turn to when life takes a turn. If you want to learn how flood insurance can protect your hard-earned property. give us a call today to learn more. 

 

3 Reasons to Buy Flood Insurance

To many people’s surprise, flood insurance is not included in a typical home insurance policy. If you live in Pismo Beach, CA, you particularly need to think about how flooding will affect your property. If you’re unprotected, Neff & Associates Insurance Services Inc wants you to know a little more. 

Your Location 

From earthquakes to strong storms, there are a variety of ways that the homes in Pismo Beach, CA may experience some type of flooding. The ocean may be beautiful, but it can also be destructive. Flood insurance can give you peace of mind if the weather takes a turn for the worst. Flooding can affect anyone in the US of course, but locations near the ocean (even if they’re not located on the beach) may have a few more reasons to worry. 

Flooding Doesn’t End at Water Damage

Water damage is extremely difficult to eliminate from a home. The mildew can get trapped in the fibers of practically every surface and leave a musty smell long after the area is cleaned. But mildew is not the real concern for a homeowner. Water damage can, unfortunately, lead to mold that can spread to every room. And while some variations of mold are mild, others are deadly. These infestations can grow behind the walls for months before anyone has a chance to even notice it. 

You Need Someone to Turn To

Flooding is a scary experience for anyone, which is why it can be terrifying to try to handle on your own. Neff & Associates Insurance Services Inc wants everyone to have a partner they can turn to when life takes a turn. If you want to learn how flood insurance can protect your hard-earned property. give us a call today to learn more. 

 

3 Ways to Protect Your New Condo

You’ve finally bought your dream condo in Pismo Beach, CA and are getting ready to settle in. One of your first steps should be to take stock of your security to ensure your condo is a safe place to live. The following security and safety tips from Neff & Associates Insurance Services Inc. can help you get started in enhancing the security of your new home. 

Home Security System

If your condo doesn’t have a home security system, consider installing one to keep you safe and protect your goods. Depending on the location of your condo, your system could include an alarm, security camera or sensors for windows and doors to forewarn you when an intruder is trying to get into your condo. If you live on the bottom floor, outdoor security lights are a must.

Don’t forget to change the locks on your door(s) before moving in to avoid problems with former owners trying to get into your condo. Make backup keys as a precaution and only share them with people you fully trust.  

Smoke/Carbon Monoxide Detectors  

Secure the inside of your condo by making sure all smoke and carbon monoxide detectors are working properly and the electrical system is up to date. An outdated electrical system increases your risk of fire. Faulty smoke and carbon monoxide detectors can endanger your life by not providing the protection you need against carbon monoxide poisoning and fire.

Condo Insurance

Purchase a condo insurance policy to protect the interior structure of your unit and your belongings. Condo insurance will help pay for damage to cabinets, ceiling, walls and floors in the event of a disaster. It will also protect your personal goods from theft and harm.  

For customized condo insurance coverage to safeguard your new condo in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc. today.