You might be in a period of transition and that’s okay. Many Pismo Beach, CA renters right now are opting for shorter lease periods to accommodate the uncertainty going on right now. But, that often leads to a lot of questions about renter’s insurance policies and when you need to get one. Here’s what you need to know from our Neff & Associates Insurance Services Inc. team.
General Rule of Short Term Leases
When it comes to getting renters insurance, there’s a general rule of thirty days you need to pay attention to and follow. If you are staying in a particular location for over thirty days, you’ll want to get renter’s insurance.
Renters insurance helps replace or repair your personal belongings in the event of a covered loss and offers some liability protection, so it only makes sense to get a policy if you plan on being in the same location for over a month. And the rates are really affordable, too. This makes it easy to obtain, use for a few months as needed, and then transfer to a new property or cancel when you no longer live in the same location.
What About Renting a Room on a Share Platform?
When it comes to renting a room on a shared platform like Airbnb, you want to be careful. In most cases, the landlord has a policy that is an extension of his or her homeowner’s insurance that helps cover your personal belongings as long as your stay is less than thirty days. Any longer than that, you’ll want to consider obtaining some form of a renters insurance policy. Likewise, if you have renters insurance or homeowners insurance elsewhere and your stay is ultra temporary, there’s no reason to obtain additional coverage.
Are you ready to learn more about getting renters insurance in Pismo Beach, CA? Please contact our Neff & Associates Insurance Services Inc. team to schedule an appointment.
If you love to traverse the Pismo Beach, CA roads on your bike, then it’s important that you get the right motorcycle insurance policy. However, maybe you just have liability and don’t want any more coverage. Maybe you’re not sure what motorcycle insurance covers. Either way, you can learn more about the in’s and out’s of motorcycle insurance with the experts at Neff & Associates Insurance Services Inc to get the coverage you need.
What Does Motorcycle Insurance Cover?
Motorcycle insurance covers you with financial relief in the case that your motorcycle becomes damaged in an accident or worse. Motorcycle insurance is a type of auto insurance and has similar types of coverage. For those that may be unfamiliar with motorcycle coverage, here are some areas in which you can receive coverage with motorcycle insurance:
- Damage to your motorcycle
- Damage to another driver’s motorcycle
- Property damage
- Medical costs
- General liability
These are just some of the areas in which you can receive coverage from motorcycle insurance. The specific types of coverage and coverage amounts that you can receive will depend on what type of motorcycle insurance policy you choose. To find the right type of motorcycle insurance policy for you, visit Neff & Associates Insurance Services Inc.
Should I Get Full Coverage?
If you only have liability, you are covered in the case where the accident was deemed to be your fault. However, maybe you get into an accident where you are not at fault, but the other driver has no liability insurance. In this case, full coverage could provide you with additional protection and coverage on the Pismo Beach, CA roads. It’s always better to have full coverage and never need it than it is to never have full coverage and find yourself needing it.
Protect Your Motorcycle With Us
When it’s time to find the right motorcycle insurance policy for you, visit Neff & Associates Insurance Services Inc near Pismo Beach, CA to find the perfect policy for you.