Three steps to buying umbrella insurance

Buying umbrella insurance in Pismo Beach, CA is an excellent idea for consumers looking to protect themselves financially. Neff & Associates Insurance Services Inc is a provider of umbrella insurance. 

When you’re buying umbrella insurance, there are a few crucial steps you’ll want to go through. The following are three steps to purchase umbrella insurance. 

Learn about how umbrella insurance works

The first thing you need to do is make sure that you understand umbrella insurance and how it can benefit you. 

Umbrella insurance is a kind of insurance that complements other insurance policies. It would be best to understand that your umbrella insurance coverage will add to your coverage from different insurance types, like your auto insurance policy. 

Determine how much coverage you should have on your policy

Umbrella insurance is typically sold in increments of $1 million in coverage. It’s best to choose a policy with enough coverage so that the full value of your assets is covered. This is the best way to protect your hard-earned wealth. 

Shop around and get policy quotes before selecting an option

As with any other type of insurance, umbrella insurance should only be purchased after a consumer researches options by getting quotes.

Choose a few umbrella insurance providers to request quotes from. This allows you to look at your options before you make a decision. By getting numerous quotes, you can be sure that the umbrella insurance rate you get is competitive. 

Rely on us at Neff & Associates Insurance Services Inc to provide you with important information on the umbrella insurance options you have to choose from. We are an insurance provider offering coverage to consumers in Pismo Beach, CA. Call us today so that you can get a quote on umbrella insurance. 

Three Essentials for Your Car Accident Preparedness Kit

Taking preventative action before a car crash can save you from the stress of scrambling at the scene of an accident. First, you should make sure you have a good car insurance policy. If you live in Pismo Beach, CA, Neff & Associates Insurance Services Inc is a good option.

Next, you need to put together a safety kit. Here are a few ideas for you to consider.

1. Basics

You should always have extra food, water, and an extra battery for your cell phone if you cannot charge it in your vehicle. If hot weather is common in the area, include instant cooling packs and a fan that runs on batteries. 

2. First Aid

You can create your own first aid kit or find a pre-assembled one. Ensure you include a medical card with pertinent information about any medications, allergies, or medical conditions that medical personnel might need to be aware of. 

You must also list your preferred emergency contact in case you are unconscious. If you have a medication you need every day, be sure to keep extras on hand in the kit as well.

3. Car Care

Your car needs a care kit too! You can include a tarp in case of inclement weather, jumper cables, gloves, a flashlight (or use your phone), flares, and towels. 

You may want to consider taking a class on basic car maintenance so that you know how to use everything in your kit.

You should also have proof of car insurance in your glove compartment. Luckily, Neff & Associates Insurance Services Inc. is serving the Pismo Beach, CA area; call today to learn more about your auto insurance options!