5 Reasons to Get Renters Insurance

If you’re renting a home or an apartment in Pismo Beach, CA it is time to start considering renters insurance. Contrary to belief, as a tenant, you are not protected by your landlord’s insurance plan. Renters insurance ensures that your belongings, guests, and any damages are covered in case of an emergency. Here are the top five reasons to purchase a renters insurance policy.

Protects Your Guests

If you have a guest that is accidentally injured in your home or apartment, renters insurance will cover the medical bills and court costs if they were to sue you. This is especially crucial if you are a pet owner, as renters insurance will protect you financially if your pet bites your guest.  

Protects You Against Theft

If your home or apartment was broken into and burglarized, renters insurance will reimburse you with cash to cover your stolen belongings. Items covered include clothing, electronics, jewelry, and more.

Replace and Repair Damages Due to Natural Disasters

While the structure of your home or apartment is covered by your landlord’s policy during a natural disaster, your belongings are not. Renters insurance protects your belongings and will replace lost or damaged items.

Coverage for Fire

A fire caused by electrical issues is not typically covered by your landlord’s policy. If it is deemed your negligence started the fire, you are liable for the damages to both your belongings and the structure of your home or apartment. Renters insurance will cover the costs of fire damage.

Protects Against Accidental Damages

Renters insurance protects you from unintentional damage to your property, such as water damage, broken glass, and falling items.

If you’re in Pismo Beach, CA reach out to Neff & Associates Insurance Services Inc to learn more about renters insurance policies!

Status Is Motorcycle Mandatory in California?

Sourcing splendid motorcycle insurance in Pismo Beach, CA can be a frustrating mission. Motorcycle ownership is a dream come true for any Pismo Beach CA resident. Getting a good motorcycle insurance policy in Pismo Beach, CA safeguards you, your motorcycle, and other road users. Regrettably, most motorcycle riders ignore procurement of this crucial coverage, viewing it as a recurring expenditure. Motorcycle insurance will guarantee your protection and instill peace of mind, regardless of whether your motorcycle is operational or in storage during the winter spell. Connect with our agents at Neff & Associates Insurance Services Inc serving Pismo Beach, CA and its surrounding community.

Is motorcycle insurance mandatory in California?

Motorcycle insurance is legally required in California, and you must produce it before registering your motorcycle. Hitting Californian roadways without motorcycle insurance can attract dire consequences like fines and suspension of your license. The levels of liability insurance coverage advocated by the state of California include bodily injury and property damage. The state-mandated requirements in motorcycle insurance may not be sufficient in protecting you in the event of an accident. There are other optional coverages for your motorcycle:

Collision coverage: It’s designed to cater to costs for repairing or replacing your motorcycle arising from a collision with another vehicle or stationary object, including a post, tree, or guardrail.

Comprehensive coverage: It pays the cost for repairing or replacing your motorcycle arising from non-collision-related damages like falling objects, vandalism, and theft.

Un-insured or under-insured motorist coverage: If you are engaged in a hit and run accident with your motorcycle with a motorist who is inadequately covered or doesn’t have any insurance, this policy caters to the medical costs of your injuries and other passengers as well.

Medical payments coverage: It helps cover reasonable and essential medical expenses, including X-rays and ambulance rides to take care of injuries inflicted on you and your passengers boarding your bike.

Are you a motorcycle owner in Pismo Beach, CA looking for proper motorcycle insurance coverage? Don’t look beyond Neff & Associates Insurance Services Inc. Call or visit us today, and our dedicated team will help you get motorcycle insurance to meet your needs and budget.