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.

Increase Closet Space With These Tips

Whether living in a small, one bedroom apartment or a five bedroom home, chances are you wish you had more closet space. While renovating for more closet space likely isn’t an option, it doesn’t mean there aren’t a few tricks available for you to take advantage of. At Neff & Associates Insurance Services Inc, we want you to take full advantage of your living space, so do so with these different closet space saving tips within your Pismo Beach, CA home. 

Ditch What You Don’t Need

This is step one in clearing out your closet and increasing space. You probably have all sorts of items i your closet you no longer need. It is time to sift through the closet and streamline everything. Look at the clothing you have hanging up. Think about the last time you wore it. If you can’t remember, it means you don’t wear it enough to actually warrant saving it. Donate the clothing or sell it to a second-hand store. 

Take Advantage of the Door

The door is an area of your closet you need to take advantage of . Pick up a shelving unit for the door and it instantly increases your closet space. This includes shoe racks to hangers and hooks. You can decide what you need to place on the door, but whatever it is, you’ll substantially increase your closet space. 

Use the Corners

The corners of a closet are often lost and wasted space. Instead, use a corner shelving unit for this. Plenty of smaller items can go right here without trouble. So, if you have smaller jewelry boxes or items you want easy access to, make sure to grab a corner shelving unit. It will make your closet storage life much easier. 

Homeowners’ Spring Cleaning Tips

The arrival of Spring offers the perfect opportunity for some home maintenance and spring cleaning. It is always wise to use preventive measures to help maintain your property and home the whole year. Neff & Associates Insurance Services Inc., serving Pismo Beach, CA offers a few suggestions to help make this spring a safe one.

Outside your home:

  • Repair uneven, broken or cracked walkways and driveways to avoid falls
  • Trim all bushes and trees so they’re safely away from utility wires
  • Cut down any dead trees on your property
  • Clean out all downspouts and gutters to avoid debris accumulation
  • Store all gas and oil for tools and lawn equipment in a locked, vented area

Inside your home:

  • Use fluorescent bulbs instead of high-intensity bulbs. 
  • Make sure that all the light bulbs in your fixtures are the right wattage suggested by the manufacturer
  • Inspect all smoke detectors, and make sure that you have a detector on every floor. Change batteries annually, and test them every month
  • Remove all lint, dust, and fabric material from under your dryer and in the dryer exhaust duct 
  • Replace or clean your furnace filter
  • Make sure you check the water heater for corrosion and leaks
  • Make sure a professional inspects the air conditioning system like the manufacturer recommends
  • Fill and have accessible a fire extinguisher, and check it to make sure it is ready for operation and filled
  • Make sure your extension cords, fuse boxes, and outlets aren’t overloaded. Check for potential fire hazards such as loose fitting plugs or frayed wires.

Finally, Don’t get caught without the level of homeowners insurance coverage you need. Contact us at Neff & Associates Insurance Services Inc. today to learn about more ways to protect your home and your family.