Why You Should Review Your Home Insurance Policy Before The Summer Is Over

A lot can happen when you’re in Pismo Beach, CA. Your home insurance policy is designed to protect you. By reviewing your policy prior to the end of summer, you can make sure that it’s fully updated. Further, if you find that there are coverage gaps, you can fix it before another full year passes.

Additions to Your Home

The summer months are often where people make upgrades to their home. At Neff & Associates Insurance Services Inc, we can provide you with an updated policy based on anything you may have done to your home. This includes fencing, a swimming pool, or anything else.

Any additions have to be added to your policy. Otherwise, damage to them won’t be covered, which can end up costing you a great deal of money.

Added Coverage

If you have had to file a claim because someone got injured while visiting your home or one of your family members caused damage to someone else’s property, you may want to consider increasing your coverage levels. This way, when you go to file a claim, you don’t have to worry about exceeding the coverage. It prevents you from having to pay out of pocket for more than just the deductible.

Additionally, you may want to explore a better cost for your home insurance. Different insurance companies provide different rates. Even if you went with the most affordable company in the past, they may no longer be the most affordable.

Call us at Neff & Associates Insurance Services Inc to learn more about your home insurance. We can take a look at how upgrades or changes to the policy can benefit you in Pismo Beach, CA. It will offer you a greater level of peace of mind to get you through the rest of the year.

 

Will my homeowners policy cover my motorcycle when it’s stored in my garage?

While Pismo Beach, CA offers warm, dry summers perfect for riding, the rainy winters may have you back in your car. There may also be other reasons you want to keep your bike stored, like family obligations or because you’re waiting to do repairs. You may be wondering if you can cut some of the cost of ownership by canceling your motorcycle insurance during those off times, or putting it on hold.

At Neff & Associates Insurance Services Inc, we help our clients design the right mount of coverage for their individual needs. You need the right protection considering your personal risks, but you shouldn’t be wasting money on coverage you don’t need.

Homeowners Exclusions

Unfortunately, it is standard policy to exclude any vehicles, including motorcycles, in a traditional homeowners policy. This applies even if your motorcycle isn’t currently registered, or if you have it in your attached garage to work on it. You may still get some protection for other unusual items in storage, like your boat, but anything excluded receives no protection.

Another important point to think about is whether you still owe money on the bike. If you still have a loan on your motorcycle, there is probably a clause which requires you to keep full coverage on your bike all the time. If your lender finds out you canceled the insurance, they can impose a more expensive policy.

You never want to give up riding in a place like Pismo Beach, CA, but you can still be frugal. Call Neff & Associates Insurance Services Inc today if you want to see how you might be able to lower your premiums.

Does My Home Insurance Cover Pets?

Statistics indicate that at least 65% of United States households own a pet, which translates to approximately 79 million households. However, most of the homeowners in Pismo Beach, CA don’t seem to think about their pets when purchasing their home insurance policies. Did you know that most of the home insurance providers such as Neff & Associates Insurance Services Inc consider your pet as one of your family members? We all understand the fact that as much as we love our pets, they can be more destructive than our young ones. Therefore, the big question is; does your home insurance cover your pet?

Home Insurance and Pets

The first and most critical thing that you need to understand is that there is a big difference between coverage for your pet and liability coverage for the acts of your pet. Typically, your homeowners’ insurance policy won’t cover your pet as a family. For example, you can’t use it to treat your pet when it falls sick or gets injured. You need to purchase a pet insurance policy that will cover your pet’s life.

However, most of the standard home insurance policies will offer liability coverage for the acts of your pet. Your home insurance policy typically covers damage to your property, personal belongings inside your home and it will also protect you if someone is injured in your home. How about if your little friend damages your neighbor’s expensive carpet, are you still covered?

The simple answer to this question is yes; you will be covered since most insurance providers offer liability coverage for the acts of your pet. However, it is also good to note that some pets, especially dogs, are considered riskier than others, and your insurance provider may charge you higher premiums or decline to insure you altogether. Keep in mind that every policy is different and it is your responsibility to contact your provider beforehand to determine whether your pet can be covered or not.

Contact Neff & Associates Insurance Services Inc today for your homeowners’ insurance policy.

Tips to Rejuvenate a Run-Down Patio on a Budget

Have you noticed your patio in Pismo Beach, CA looking a bit shabby lately? Here are a few super-easy ways to rejuvenate that patio even if you’re on a tight budget. 

  • Have pests taken over the patio due to debris blown in by the wind? After cleaning up the debris stop pests by replacing regular mulch with pine cones. Amazingly, these spiny cones deter pests and pets looking to dig.
  • Give that boring concrete a new look with some color. A little paint can bring color and fun! Create a fun pattern to mimic carpet, game boards like Twister, or mimic the appearance of an upscale stone patio.
  • Don’t pitch that rusty metal patio furniture. Give it a rust-busting makeover with a wire brush, sandpaper, or steel wool with a little vinegar to scrub it away. Then you can give it all a new paint job with some vibrant paint colors.
  • Build an easy mini fire pit to create a nice focal point for guests. It adds some fun and function. You can make a small pit with heat-resistant fire bricks, stacking them in two or three layers in a small circle on a stone slab. Tada! A small fire pit.
  • If your patio is cluttered with outdoor items, paint wooden crates in fun colors to organize and store these items. You can arrange them to appear interesting or add wheels to make them mobile.

Neff & Associates Insurance Services Inc

We know Pismo Beach, CA is a great place to enjoy a patio in your home, and we want to make sure you have the right homeowner’s insurance to cover that home you love. Contact a Neff & Associates Insurance Services Inc experienced agent today to review your home insurance options.

Does an Inground Pool Increase Home Insurance?

When people think about putting in an inground pool on their residential property, they often wonder how it will affect their home insurance. Truth is, it depends on the exact policy that a person has as to how an inground pool will impact it. This is why it is so important to speak with your insurance agent to learn how your policy will change if you add an inground pool to your property. 

Many home insurance policies will cover an inground pool, but adding this coverage will likely increase your premium. Depending on your insurance service provider, it may cause your policy premium to increase by 10 to 20 percent; this is why it is important to shop around for a good rate. Generally, it will add about $50 to your premium. Keep in mind, though, that some carriers look at an inground pool to be covered under replacement cost value or under personal property limit. 

Some insurance companies will consider an inground pool to be some type of external structure, meaning it is on the property but does not qualify as part of a policyholder’s personal property. If this is the case, the pool will need to be listed separately on the policy to ensure it has proper coverage. 

Claims related to inground pools are typically small in number because it takes a lot to damage these types of pools. The most general types of claims relating to swimming pools is some type of personal injury claim. 

If you would like more information on how an inground pool will affect your homeowners insurance, contact Neff & Associates Insurance Services Inc serving the Pismo Beach, CA area. 

Tips for Decorating Your Dining Room

When it comes to decorating your house on a budget, there are several tips for you to keep in mind. From shopping at thrift stores to going online and doing your shopping, there are more than enough strategies you can follow to help you save money. And best of all, when you take advantage of these strategies, you will be able to select from a vast selection of decorations. Let’s take a quick look at the best tips you can follow for decorating your dining room. 

What look are you going for?

You need to decide beforehand the type of look you are going for before you actually go shopping. For example, if you are wanting to achieve a Tuscan look, then it is helpful to know this as you are shopping both at brick and mortar stores or online. If you are shopping online, you can, of course, take advantage of keywords. When doing an online search for dining room decorations, type in the phrase ‘Tuscan dining room’ and this will give you a massive search results list of stores that sell this type of decoration. 

Select dining room furniture

Some furniture pieces are meant for living room areas while others are meant for dining rooms. This is why it is so important to select dining room furniture when you are wanting to decorate this area of your home. Dining room furniture is designed for the activities that take place in a dining room, so make sure you shop for this type of furniture when you start on your decoration endeavor. 

To learn more about decorating your dining room, as well as about home insurance, please contact Neff & Associates Insurance Services Inc serving the Pismo Beach, CA area. 

Keeping Your House Safe While on Vacation

While you may imagine that most burglaries in Pismo Beach, CA take place under the cover of darkness, the fact is that most burglaries take place during the day, when people tend NOT to be home. If you’re on vacation, leaving your house unoccupied around the clock, it becomes even more of a target.

Criminals tend to watch certain neighborhoods and houses, looking for the perfect target.  For an unsuspecting family on vacation, an unprotected house is vulnerable to thieves. To avoid coming home to such a scenario, there are a few precautionary measures you can take.

1.  Hire a House Sitter

There are people who make careers out of house sitting in Pismo Beach CA. These people live in your house, take in your mail, set your security alarm, and many will even take care of your pets. The charge is typically a flat daily rate which is worth it for peace of mind and robbery prevention.

2.  Ask a Friend to Stay Over

If you can’t find a professional house sitter in your area who is available for your next vacation, ask a friend or family member to stay in your house. Have a nephew in college who could use the extra money? A friend who could use a change of scenery?  Reach out and see what kind of feedback you get.

3.  Ask Neighbors to Keep an Eye Out

If having someone stay at the property while you’re away doesn’t work out, ask a neighbor to grab your mail for you and to keep an eye on your house for anything out of the ordinary. Let them know you will gladly return the favor.

You work hard for your belongings. At Neff & Associates Insurance Services Inc, we work hard for you, too. Protect your property with excellent home insurance coverage. Our agents are ready to answer all of your questions at Neff & Associates Insurance Services today.

Benefits of Trimming Away Dead Growth in the Autumn Months

During the summer months, it is easy to let your landscaping go. It is so hot that you may not want to get out and prune shrubs or trim trees. However, when it begins to cool, it is time to get caught up again. There are also many benefits to trimming away dead growth in the autumn months. Here are a couple of those benefits.

Can Prevent Water Obstructions

One of the big benefits to trimming away dead growth is that you can prevent water obstructions. You can ensure dead leaves don’t clog your home’s gutters or the channels in the street that guides water to the sewer. Gutter clogs can damage the gutters, your roof and your siding. Street obstructions can cause street flooding. Trimming away dead growth prevents both.

Prevent Hazards From Falling Limbs

The other benefit to trimming away dead growth is that it can prevent hazards due to falling limbs. Falling tree branches or limbs can damage your home or any property underneath. This can be costly to replace or can even total a car parked underneath. Getting rid of dead or damaged branches prevents this issue from happening.

Trimming away dead growth in the autumn months can keep your home safe, minimizing the chance that you will have to file a homeowner’s insurance claim because of it. And speaking of homeowner’s insurance, autumn is a great time to take a look at your policy and ensure it covers everything you need it to. If your policy doesn’t meet your needs, it may be time to start pricing out a new one. If you need help with your homeowners policy, contact Neff & Associates Insurance Services Inc, serving the Pismo Beach, CA area. Get help with your policy limits or get a quote today.

Understanding Home Insurance in Pismo Beach

Home insurance normally comes with a lot of papers full of words people never read. While this is perfectly normal, it can also make people feel confused about what they’re getting, and shocked when they do file a claim. Neff & Associates Insurance Services Inc serves Pismo Beach, CA and wants you to learn more about it all. 

More Coverage Is Better Coverage 

Your home is likely the single most expensive purchase you’ve made, so losing it to a pile of property damage bills is not the relationships you want to the place where you live. While more coverage is certainly more expensive, that price you pay comes with the benefit of knowing you have somewhere to go (both literally and figuratively) in even the worst situations. Most people don’t have the money to pay for a catastrophe, and it just makes more sense to exercise precaution than hope everything will work out. 

Smaller Companies Can Do More 

Neff & Associates Insurance Services Inc sees customers for who they are, not as a policy number or premium bill. When you have the chance to know the person on the other end of the phone, it can make you more likely to be more proactive because you have someone to talk to. When you want straightforward advice and tips, calling our agents can ensure that you get the information you’re looking for and not a sales pitch. It can also be a priceless feeling to know that someone else can take over during what will most certainly be a difficult time trying to get a home back in order. Call us today to find out more about how we do it, and what we can do for the people of Pismo Beach, CA. 

What to Know When Buying Homeowner’s

Purchasing a homeowner’s policy in Pismo Beach, CA protects a person’s investment. In many cases, it’s required by the resident’s mortgage company. It’s a smart idea to have homeowner’s insurance even after your home is paid off. And you there’s more you should know prior to purchasing a policy.

1. Get a Policy Based on the Home’s Value

The policy amount is dependent upon the home’s value. You need coverage that will not only cover damages done to the home itself and the property, but you’ll want to get a policy to cover all of the possessions inside the home as well.

2. Read the Guidelines Thoroughly

When you’re researching and comparing, look at the coverage and restrictions. Sometimes, certain events aren’t covered under a standard policy, and you may require additional coverage. You may experience an emergency that’s not covered if you don’t understand the options thoroughly.

3. Insurance Combined with Escrow

In some cases, the lender requires the homeowner’s policy to be paid through escrow. This is particularly the case with individuals who are at a high risk for not paying monthly payments. It’s sometimes beneficial since the homeowner doesn’t have to worry about when a payment is due. A forgotten or missed payment could cause a lapse in coverage, which is prevented when the payment is made at the same time as the person’s monthly mortgage payment.

4. Know the Minimums

Contact your mortgage company and inquire about the insurance coverage required and the minimums. Discuss with your Pismo Beach, CA agent what’s required by law. This helps determine the bare minimum, and then you can build from there.

To receive a quote or discuss with an agent the ideal homeowner’s insurance policy for you, contact Neff and Associates, serving Pismo Beach, today at 805-773-1710. Our friendly insurance agents will be able to go over you options and help you decide on the right policy to meet your needs.