Month: December 2023

If I dont carry motorcycle insurance, what consequences can I face in Pismo Beach?

Posted on by agentinsure

Owning a motorcycle in California can be fun and give you a great way to drive around the state. If you choose to purchase a motorcycle and live in the Pismo Beach, CA area, you will need to ensure that you are covered at all times with insurance. Various consequences can occur if you do not carry this type of coverage. 

Legal Challenges

If you are not covered with motorcycle insurance, you could also face legal challenges. No matter what type of vehicle you choose to drive in California, you are obligated to carry liability insurance. For motorcycle owners, this means having a motorcycle insurance plan with a liability insurance provision. If you do not have any form of motorcycle insurance, you will face legal consequences, including fines and loss of license. 

Lack of Financial Support

Another challenge that could come about if you do not have a motorcycle insurance plan is you could have to deal with a lack of financial support. The cost to remediate and repair can be significant if your motorcycle is damaged in an accident or stolen. When you get a motorcycle insurance plan, you will have support to cover these costs. If you are not insured, you will not have financial support to fix or replace your motorcycle. 

If you decide to purchase a motorcycle, it is essential that you carry motorcycle insurance at all times. When living in the Pismo Beach, CA area, you will want to speak with our team at Neff & Associates Insurance Services Inc. Our professionals at Neff & Associates Insurance Services Inc. know the value of this coverage and can help you build the right plan that meets your needs. 

Why All Homeowners Need Flood Insurance

Posted on by agentinsure

When you own your own home, there are certain insurance policies that you need to have on it. One of these is home insurance. Home insurance protects you from a broad range of risks, including many disasters. However, it doesn’t include any coverage for flooding. If there’s a flood and you don’t have flood insurance, you’d have to pay all the repair bills and other expenses. That makes it important to have a flood insurance policy in addition to your home policy. Call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA, to get started. 

Important Home Protection

After a flood has come through, you could be left with devastation. Water is extremely hard on a home, and it can ruin any of its building materials. It can also ruin your items inside your home. What you could be left with is a huge expense to get the house back to normal again. Without insurance, this would be extremely expensive. Many people aren’t able to do all of the repairs their home needs without flood insurance. Don’t be left with thousands to pay after a flood. 

Solid, Guaranteed Policies

When you have a flood policy, it’s backed by a government program called the National Flood Insurance Program. This means the government backs and guarantees these policies. You won’t have to worry that your insurance company may be overwhelmed with all of the flood claims. The government isn’t going out of business, so you’ll know the funds are there if you ever need them. The program also sets the price for these policies. No matter where you get your flood insurance, it will cost the same. 

Get Your Flood Insurance Policy

To get a policy for your home, you’ll need to contact us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA, to learn more about them.