No one can predict the full force and patterns of mother nature. Therefore, it’s paramount to keep your property and loved ones in Pismo Beach, CA protected. Floods are one of the most prevalent natural disasters apart from hurricanes and can wreak devastating effects at any time. Acquiring outstanding flood insurance from Neff & Associates Insurance Services Inc is vital in averting loss during these unpredictable eventualities like flooding.    

Is flood insurance mandatory in California?

California doesn’t require homeowners to maintain flood insurance. However, if your property is located in a floodplain, you might need to buy coverage as a condition of your outstanding mortgage. Since home insurance doesn’t cover flood-related damage, it’s prudent for Pismo Beach CA residents to buy flood insurance to safeguard their dwellings with separate flood insurance coverage. Is flood insurance a worthwhile asset? Indeed, flood insurance harbors the following benefits:

Protect your property

An inch of water can propagate insurmountable damage to your home. Regrettably, many homeowners believe that their home insurance covers flood damage. This notion is not always the case, given that your home is one of the most precious investments you own; it’s wise to safeguard it from flood damage to avert costly financing repairs out of pocket. Flood coverage caters to damages to your roof, floor, walls and other permanent fixtures in your dwelling when floods strike.

Protection of loved ones

Home is regarded as a haven for your pets and family. In case your home becomes uninhabitable after flooding, your family might be faced with the prospect of being homeless or leasing an apartment. If you admire your loved ones, buy flood insurance to ensure you get back on your feet after flood damage.

It gives you peace of mind.

Floods can strike without any prior warning, propagating substantial damage to your dwelling and possessions. Purchase flood insurance to enjoy a year-round peace of mind to discard any worries when the weatherman mentions the probability of a looming flood.

Flood related damage can be catastrophic. With that said, be wise and procure salient flood insurance coverage from Neff & Associates Insurance Services Inc serving Pismo Beach, CA to protect you and your home. Contact us today for more information.

If you are the owner of a condo, your condo board almost certainly requires that you have condo insurance. And if it doesn’t, your lender will. And even if neither of them required it, it’s still smart to have condo insurance in place to protect you. If you need this coverage, give us a call at Neff & Associates Insurance Services Inc in Pismo Beach, CA. 

Inside Your Dwelling

When you own a condo, you don’t own every single part of it. That is, you don’t own the outdoor portions of your condo. That area is owned by your condo board. The inside, however, is covered by your condo insurance. It protects it against damage that can happen from a wide range of incidents. When something serious happens to your home and damage is caused, your condo insurance will be there to help you pay for the repairs. 

Your Belongings

When you have a condo, virtually everything you own is inside it. Those items also need coverage, and they are covered by your condo policy. When you have condo insurance and something happens to ruin your belongings, your insurance policy can pay for them so that you can get them repaired or replaced. 

Liability Coverage

Another way that condo insurance protects you is to give you protection against accidents that you may be liable for. For instance, if someone calls and gets injured in your condo, or another incident happens that results in injuries, you would be liable for the accident and responsible for the resulting medical bills. Your condo policy would pay for those medical bills so that you don’t have to pay them from your own pocket. 

Condo Insurance

If you need condo insurance, give us a call at Neff & Associates Insurance Services Inc in Pismo Beach, CA.