Four Mistakes to Avoid When Buying Renters Insurance

Whether you rent a house or an apartment, you should protect yourself from financial losses that may result if something terrible happens to your personal property or persons within your rental unit. One sure way to achieve that is by buying renters insurance. Here are four mistakes to avoid when purchasing renters insurance.

1. Not Buying Renters Insurance

Renters insurance protects your personal property from loss, damage, and destruction from fire, burglaries, and natural catastrophes. It can also cover your liabilities if someone is injured within your rented property and you are held liable.

Failure to buy the policy would mean replacing your possessions and paying for your liabilities from your pocket, which can be very costly.

2. Not Getting Sufficient Coverage

When purchasing renters insurance, you want to ensure that your insurer provides enough coverage for your possessions, liabilities, and additional living expenses.

In this case, personal possessions coverage will help you recover expensive items you may lose due to an insured cause.

Liability coverage, however, will protect you from third-party claims for injuries or property damage from your family or pets.

Finally, the coverage for the additional living expenses will reimburse you for additional living expenses you may incur if you relocate from your home after it is declared inhabitable due to an insured problem.

3. Not Comparing Different Insurance Companies

Some insurers are known for their outstanding services, while others are popular for their poor services. It would be best if you compared multiple insurers to ensure you get the best. One way to achieve that is by checking their customer reviews to pick the one with overwhelmingly positive reviews.

Alternatively, you can contact insurance experts in Pismo Beach, CA, at Neff & Associates Insurance Services Inc. to help you find a reliable insurance company.

4. Not Bundling Policies Together

Getting two or more insurance policies from one insurer can help you lower premium rates. Suppose you have an auto insurance policy and buy renters insurance from the same company. In that case, you may pay lower premiums than you would have if you purchased the policies from different insurers.

Contact Neff & Associates Insurance Services Inc.

If you need renters insurance in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc. for quick assistance. We are proud to help you find reliable coverage at a reasonable price.

What Does Motorcycle Insurance Cover?

The motorcycle insurance agents at Neff & Associates Insurance Services Inc., serving the Pismo Beach, CA area, can explain motorcycle insurance’s importance.

In the state of California, at least a liability motorcycle insurance policy is required. This will cover the costs of property damage or bodily injury you cause in an accident.

What Does Motorcycle Insurance Cover?

In addition to motorcycle liability insurance that you must have in place to legally drive your motorcycle, you can choose from several other coverage options.

Uninsured and Underinsured Motorist Coverage

This type of insurance is important to have in case you ever are involved in an accident that is the other driver’s fault. Still, that particular driver either has no insurance or does not have enough insurance to cover everything for you.

Comprehensive and Collision Insurance

Both comprehensive and collision insurance may be required for you to have in place if you owe money to a lender for the purchase of your gorgeous motorcycle. If not, they are still great coverage options to have. This is because comprehensive insurance will replace or repair your bike if it is stolen or becomes involved in a fire, an act of vandalism, or a natural disaster.

Collision insurance will help pay for damage to your bike if you collide with another vehicle or even a stationary object.

Contact Neff & Associates Insurance Services Inc.

To obtain great motorcycle insurance policy for you and your situation, contact the experienced, trusted, and knowledgeable motorcycle insurance agents at Neff & Associates Insurance Services Inc., serving the Pismo Beach, CA area today!