Renters insurance FAQs

Renters’ insurance is one of the most misunderstood types of insurance. Knowing that more than half of renters don’t have renters insurance says a lot about how its value is not recognized. At Neff & Associates Insurance Services in Pismo Beach, CA, our experienced team knows the value of renters insurance and how it can make your future more secure. We are happy to share our knowledge and find an insurance product that is a perfect fit. 

If you have any questions about renters insurance, you are not the only one. We hope we will answer some of them for you here. 

Do I have to have renters insurance in California? 

No, renters insurance is not mandated by the state. However, it may be required by your landlord. You need to read your lease carefully to know precisely what is required of you. 

Doesn’t the management company have insurance coverage? 

Yes, undoubtedly they do, but that is not going to help you. It covers their building and what belongs to them. It doesn’t cover any of your property, nor does it give you personal liability protection. 

Does renters insurance have personal property coverage?

Yes, it does. It comes in two varieties; either the current value or the replacement value. The current value is less expensive since it allows for depreciation. This coverage will cover your stuff after a deductible, whether in your rental or with you away from home. 

Does renters insurance include liability coverage?

Yes, it does. If someone is injured while visiting your rental or by a member of your family, this insurance will help cover any medical bills and offer protection if you are sued. It can pay a judgment as well as legal expenses. 

Contact Neff & Associates Insurance Services in Pismo Beach, CA  when you are ready to discuss renters insurance. 

What comes with a full motorcycle insurance plan?

Anyone living in the Pismo Beach, CA area will want to have a convenient way to get around town. As you are looking for new transportation, getting a motorcycle is a good option as they are efficient and practical in the warm California weather. Along with your bike, you also need to select an insurance plan as it offers various forms of coverage. 

Liability Risk Mitigation

One benefit that comes with your motorcycle insurance plan is liability risk mitigation. If you are going to invest in a motorcycle, you will want to ensure you are supported if you cause an accident. With a proper motorcycle insurance policy, you will get this coverage. The liability insurance component of your insurance plan will also ensure you comply with state laws surrounding insurance requirements. 

Protect Motorcycle

It would also be good to get motorcycle insurance to protect your motorcycle. Like any other type of vehicle you can buy, ensuring your investment is covered is very important. When you get a full motorcycle plan with comprehensive support, it will provide the coverage you need if your asset is stolen or damaged. You may also need a full motorcycle plan if you have taken out a loan that holds the motorcycle as collateral. 

Owning a motorcycle continues to be a fun transportation option for those in the Pismo Beach, CA area. As you are looking for ways to cover your motorcycle here, it would be wise to call the professionals with Neff & Associates Insurance Services Inc. As you are looking for coverage, Neff & Associates Insurance Services Inc. will offer the proper support you need to build your next policy to protect your motorcycle adequately.