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.

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. 

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. 

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. 

Power outages are more than just an inconvenience, they can change your way of life for hours or even days. Neff & Associates Insurance Services, Inc wants to help you prepare in case of an outage in the Pismo Beach, CA area.

Light Sources

Keep flashlights in several convenient locations within your home. Also, keep a few battery-operated lanterns on hand. These will provide more light than a handheld flashlight. Candles make a suitable source of light in a pinch, but battery-powered light sources are much safer.

Radio

Keep a small battery-operated radio around in case the power fails; this way you can continue to receive updates on the outage. Be sure to keep plenty of batteries around to power your radio and flashlights.

Washing/Bathroom Facilities

If you have a well or septic system, you will need to get creative during an outage. Stock plenty of water—not only for drinking but also for washing and using the restroom. Homeowners with well pumps and septic systems will not be able to run water or flush toilets when the power is out. A good stock of water jugs will get you through an outage, and pouring water into a toilet will force it to flush when there is no power to your well pump.

Sustenance

Keep food on hand that has a significant shelf life and can be eaten with minimal preparation. Protein bars, canned tuna, beans, peanut butter, crackers, and dehydrated fruits can each help provide the carbs, fiber, protein, minerals, and vitamins to keep your energy up during the outage.

For more information on how to prepare for a power outage or to find out which types of losses due to an outage may be covered by your homeowners’ insurance policy, call Neff & Associates Insurance Services, Inc today.

When you live in Pismo Beach, California and your business is based inside the home, it is important to pay attention to insurance. Your homeowner’s insurance isn’t going to be the only type of policy that is required. There may be several add-ons that you need to consider for coverage and potentially additional policies. This will help to provide financial stability for you as well as your business.

Thing about the various things that go along with your business. You may have:

• Large inventory
• Clients visiting
• Several employees
• Computers with important data

All of these need to be considered as it is going to help establish what type of business you need.

For example, if you have a large inventory of merchandise, business property coverage can be critical so that you are protected against loss. If you have clients visiting you all the time, general liability coverage may be needed. You will also want to consider data compromise coverage, especially because there are more hackers targeting small businesses than ever before.

The minute you start to hire employees for your home-based business in California, you want to have employment practices liability coverage to protect you against wrongful termination suits and more.

You may also need to consider business interruption coverage so that if there is a fire or tornado, business income could be provided during this time.

All sorts of coverage is out there for your home-based business area when you are looking to purchase insurance, it can be advantageous down with an insurance agent.

Neff & Associates Insurance Services Inc is here to help you make smarter decisions about your home-based business, especially when it comes to insurance. Call now and let one of our knowledgeable ages help you every step of the way.