Does Homeowners Insurance Cover Foundation Problems?

The brief answer is a yes. The home insurance policy covers foundation damages caused by incidents covered under the policy, and it does so to the policy’s limits. Your home insurance policy is meant to protect your home from a wide array of unanticipated incidents that can damage your home and lead to costly repairs. But the home insurance policy has limits, and it can’t cover damages resulting from negligence or uncovered perils.

When Does Home Insurance Cover for Foundation Damage?

Ideally, home insurance covers foundation damages when the damages are a result of accidental and sudden events. Such events may include the fall of a big tree or the accidental ramming of a truck into an elevated foundation.

Here are some of the common perils covered under your home insurance.

  • Falling objects
  • Lightning and fire
  • Hailstorms and windstorms
  • Civil disturbances and riots
  • Ice and snow damage
  • Vandalism
  • Explosions
  • Aircraft or vehicle damage
  • Water damage caused by the HVAC or plumbing system
  • Volcanic eruptions
  • Earthquakes and floods may also get covered on separate policies.

If the cause of your foundation’s damage is among the covered perils, then your home insurance company may intervene and help in the repair process. But if the damage results from an uncovered source of risk or negligence, then there will be no compensation.

When Does Home Insurance Fail to Provide Coverage in Foundation Damage? 

Your home’s foundation is subject to normal wear and tear, and it may crack and be unable to seal out moisture as it settles. The home insurance company isn’t obliged to pay for such typical repairs and maintenance. Neither is it mandated to pay for foundation damages resulting from negligence. For instance, pressure from tree roots, poor drainage, and faulty construction may lead to foundation damage, yet such events are preventable. If these events cause foundation damage, then there is no compensation.

Get Your Home Insurance Cover Today from Neff & Associates Insurance Services Inc

If you’re a Pismo Beach, CA, resident, visit the Neff & Associates Insurance Services Inc. website to get the best home insurance offers for your Pismo Beach, CA, home.

What Pismo Beach, CA homeowners need to know about renters insurance

Irrespective of where you rent your apartment in Pismo Beach, CA it’s vital to cushion your personal possession against unexpected catastrophes such as vandalism, theft, and water surge. Renters insurance policy aids in safeguarding what your landlord insurance cannot. We at Neff & Associates Insurance Services Inc render renters insurance coverage that fits your needs. Renters insurance policy is not legally required in Pismo Beach, CA in California, but in some instances, landlords may demand you to show proof of renters insurance while you are residing in their apartments. It’s a wise move as a Pismo Beach CA resident to at least purchase some form of adequate coverage as your landlord’s insurance policy will not protect your personal belonging if hazard strikes unexpectedly.

Renters insurance policy helps in servicing the cost of replacing your personal property if it is ravaged by the covered calamity such as theft and fire. Acquire a renters’ insurance quote today from our Neff & Associates Insurance Services Inc situated in Pismo Beach, CA and our charismatic and knowledgeable agents will show you how uncomplicated and affordable it is to shield what you cherish most.

What is covered under Renters Insurance policies?

 Personal possessions policy: It protects your possession such as furniture, clothing, and appliances against imminent perils such as vandalism and, fire among others.

Liability policy insurance: It safeguards you against probable lawsuits arising from bodily injury or property damage.

Additional living expenses policy: If your apartment is ravaged by a covered disaster like smoke, theft, and explosions that renders your apartment uninhabitable, this policy pays for hotel bills and food costs while temporarily living elsewhere.

Medical payments coverage: It helps to cater to medical bills for anyone who is injured while on your property.

Building additions and alterations coverage: This form of policy is tailored to cover damages to betterment, alterations, or fixtures that you incorporate into your condo.

No matter where you have put down roots in Pismo Beach, CA we have got formidable renters option coverages to safeguard your space and personal belongings against unexpected eventualities. Call or visit us at Neff & Associates Insurance Services Inc for more detailed information about the renters’ insurance policy for your condominium.

Is home insurance in Pismo Beach necessary?

The Pismo Beach, CA area continues to offer many local amenities to those that are looking for a new place to live. If you are going to move to this area of California, owning a home is a great option. When you are a property owner here, you can benefit greatly in the long run. If you are going to purchase a home here, you should get a quality home insurance policy as it could be necessary for a variety of reasons.

Coverage is a Mortgage Requirement

One of the reasons that you will need to get home insurance in Pismo Beach is that it could be a mortgage requirement. For a lot of people, taking out a mortgage to buy a home is a great long-term option as it offers low-interest rates for a long time. However, you do need to comply with your lender’s insurance requirements at all times. This will normally include having a full policy that meets their standards.

Insurance is Needed to Protect Asset

Even if you do not have a mortgage insurance requirement, you should still make sure that you have insurance that can protect you. When you get home insurance, it will offer you protection for your valuable asset as well as liability protection. Ultimately, this will help to ensure that you are covered for a wide variety of situations that could result in a loss.

If you are going to move to the Pismo Beach, CA area, it is important that you speak with Neff & Associates Insurance Services Inc. If you do call the team at Neff & Associates Insurance Services Inc for support, it can help to ensure that you receive proper protection at all times. The team is able to do this by carefully assessing your needs and building you a personalized policy. 

What every Pismo Beach, CA resident needs to know about home insurance

If you just bought a home in Pismo Beach, CA, a lot must be going through your mind right now, especially when it comes to home insurance. If it is your first time buying insurance, you may feel overwhelmed by the tonnes of information available out there. However, home insurance is no longer a complex subject, and if you have any questions, Neff & Associates Insurance Services Inc can help clear them out. So, what should you know as a first-time home insurance buyer?

You need to understand what is covered to get the best out of your policy.

Before you commit to a particular insurance agency, make sure you understand what is covered in your homeowner’s insurance. Arming yourself with knowledge about your coverages, your deductibles, and premiums can help you during your claim process.

Floods are NOT covered.

Many people tend to assume that home insurance covers all perils, which is not the case with floods. Homeowners need to buy separate flood insurance to protect them from flood water damage. If you suspect that you live in a high-risk area, it is prudent to seek insurance as early as possible as most flood policies come with a 30 day waiting period.

Some renovations can either increase or decrease your insurance premiums.

If you are planning to renovate your Pismo Beach, CA home, you may need to speak to your insurance provider to know which renovations will reduce your premiums and which ones will not. For instance, renovating your kitchen can significantly reduce your premiums by up to 20% while adding a swimming pool or an office will increase your premiums.

A home insurance policy is a super powerful financial plan for any home homeowner. At Neff & Associates Insurance Services Inc we help you Protect what matters to you most. Feel free to visit us at our Pismo Beach, CA offices today.

Why you need home insurance in Pismo Beach

Pismo Beach, CA can be a great place for anyone to live. Due to the proximity to the ocean and warm weather, there are many great activities to enjoy. If you are a homeowner in this area of California, you need to carefully consider all of your insurance needs. There are many reasons why someone in this area needs to have home insurance.

Provides Necessary Protections

The main reason why someone in the Pismo Beach area needs to have home insurance is that it provides very valuable services and protections. A home is a major investment and if it is damaged or destroyed, the impact could be devastating. Further, those that own a home are often taking on more liability risk than they realize. Fortunately, when you invest in a home insurance policy, you can receive coverage for both of these risks. 

Requirement

Beyond giving you good protection, it is also often a requirement for someone to have home insurance. Anyone that either has a mortgage or lives in a home association will undoubtedly be required to carry home insurance. When you have home insurance, the lender’s collateral will be protected and the home association will know that you can handle a liability claim or pay to rebuild your home if there is damage. 

There is no doubt that anyone that owns a home in the Pismo Beach, CA area should get home insurance. If you are looking for insurance in this area, you could find picking a policy is hard to do. Those that need support in getting into a good policy should call Neff & Associates Insurance Services Inc. Neff & Associates Insurance Services Inc can provide many different services to ensure that you and your home are properly protected. 

Do I need to do a home inventory?

Most people own more things than they realize. You assume that you will remember everything that you have but if something should happen to your home and you need to tell your insurance company what you lost,  would you be able to remember what was in every room, every closet, every drawer and even in the attic or the basement? The answer is probably not. Having a home inventory can help to make sure that you can replace all the things that were lost. In Pismo Beach, CA the friendly staff at Neff & Associates Insurance Services Inc can help you to understand the importance of a home inventory.

Creating a home inventory can be very time-consuming. A two-pronged approach is best. Take a detailed inventory of each room and then follow up with pictures. For higher-priced items, it is wise to have proof of purchase including the cost. For items like jewelry, an appraisal may be necessary to prove the value. How detailed the inventory needs to depend on the type of replacement coverage that you have. Don’t forget things like Christmas ornaments that may be stored in an attic or basement. 

Once you have created the inventory it is important to store it in a safe place. A safety deposit box is a good option if you have one. If not, at least be sure that it is in a fire and waterproof container. Storing it away from your home is the best option. 

When it comes time to put together your home inventory, why not stop by the office of Neff & Associates Insurance Services Inc or give them a call to discuss this important document. If you live in Pismo Beach CA or the vicinity, they will be happy to help. 

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.