Why you need home insurance in Pismo Beach

Pismo Beach, CA can be a great place for anyone to live. Due to the proximity to the ocean and warm weather, there are many great activities to enjoy. If you are a homeowner in this area of California, you need to carefully consider all of your insurance needs. There are many reasons why someone in this area needs to have home insurance.

Provides Necessary Protections

The main reason why someone in the Pismo Beach area needs to have home insurance is that it provides very valuable services and protections. A home is a major investment and if it is damaged or destroyed, the impact could be devastating. Further, those that own a home are often taking on more liability risk than they realize. Fortunately, when you invest in a home insurance policy, you can receive coverage for both of these risks. 


Beyond giving you good protection, it is also often a requirement for someone to have home insurance. Anyone that either has a mortgage or lives in a home association will undoubtedly be required to carry home insurance. When you have home insurance, the lender’s collateral will be protected and the home association will know that you can handle a liability claim or pay to rebuild your home if there is damage. 

There is no doubt that anyone that owns a home in the Pismo Beach, CA area should get home insurance. If you are looking for insurance in this area, you could find picking a policy is hard to do. Those that need support in getting into a good policy should call Neff & Associates Insurance Services Inc. Neff & Associates Insurance Services Inc can provide many different services to ensure that you and your home are properly protected. 

How Much Insurance is Required in California?

Every state requires that an automobile owner carry a minimum of liability insurance. However, each state has its own requirements on how much coverage liability insurance provides. If you live in Pismo Beach, CA, Neff & Associates Insurance Services Inc is here to help you understand how much coverage you need. 

Minimum liability coverage in California consists of the following:

  • $15,000 for the death or injury of a person, up to $30,000 per accident
  • $5,000 for damage you cause to someone else’s vehicle or other property with your vehicle

It is illegal to drive in the state of California without minimum liability coverage. Driving without it can lead to costly fines, suspension of your license, or even getting your car impounded. These are all consequences that can not only affect your wallet now but also your driving record which can affect your insurance rates in the future.

You must also be offered $15,000 per person for bodily injury to an uninsured motorist, up to $30,000 per accident. This helps cover costs if the other party of the accident is not carrying their own insurance. It is not required for you to add it to your policy, but you must sign a waiver if you choose not to.

It is a coverage you should consider carefully as one never knows who is on the road or whether they have the necessary insurance. If you are in an accident in which the other motorist does not have insurance and your vehicle is damaged, uninsured motorist coverage can help get your vehicle repaired and back on the road.

We here at Neff & Associates Insurance Services Inc want to help Pismo Beach, CA residents get the coverage you need. Stop by or give us a call today for your no-obligation quote!