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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.