Motorcycle insurance: How much do I need?

More motorcycles are registered in the state of California than in any other state in the United States. Can you picture a better place to enjoy riding your motorcycle than Pismo Beach, CA? Probably not but when you are riding a motorcycle you do need to think about insurance. California requires all drivers to carry liability insurance, they follow the 15/30/5 rule. Since California is a no-fault state you will also be responsible for your own injuries. The staff at Neff & Associates Insurance Services Inc can help you understand what these terms mean. 

Liability insurance is important. It protects your assets. You may want to think about whether the basic amount that is required by the law is really enough to protect you. If you own a home, it may not be enough especially if you happened to get sued as the result of an accident. While liability insurance protects the other party/parties in an accident, what about you?  Uninsured or underinsured coverage can protect you in the event that you are in an accident with someone who doesn’t carry the required insurance.  

When you have a loan on your bike you will be required to have collision and comprehensive coverage. When the loan is paid in full you may think itis more economical to let that insurance lapse. Depending on the age and quality of your vehicle, this may not be a good idea. If you have an expensive bike or have done custom work on it the value may make it important to protect. It could be damaged in an accident or stolen and if this would be something that would be hard to pay for out of your pocket carrying these valuable additional coverages is a very good idea. 

Why not stop into the office of Neff & Associates Insurance Services Inc in Pismo Beach, CA and lets us make sure that you have all the coverage that you need for your motorcycle and yourself. 

 

Why Should I Get Flood Insurance

Buying a home in the Pismo Beach, CA area can be a great investment and long-term decision. For those that are in this area, the proximity to water can come with an increased risk of flood damage. Since this risk is prevalent in this area, getting flood insurance could be a good option. There are several reasons why you should get flood insurance for your property. 

Mortgage Requirement

Depending on where you live specifically, you may be required by your lender to carry flood insurance. Most lenders will follow the guidelines set forth by FEMA and if you are in a flood zone, you will need to have adequate coverage at all times. Even if your home doesn’t require it today, your lender will have the right to check these reports regularly and may need you to get insurance in the future. 

Protects Your Property

Even if there are no mortgage requirements for you to have flood insurance on your Pismo Beach, CA area home, you should still make sure that you get this coverage. Flood damage can be extremely significant. In some situations, it could require a major remodel or a complete rebuild of your property. If your base home insurance policy does not give adequate coverage for this risk, having the additional flood insurance is a complete necessity as it will give you the protection to mitigate this risk.

When you are shopping for a flood insurance policy, you should consider speaking with the team at Neff & Associates Insurance Services Inc. Deciding whether or not you should get flood insurance is complicated and very important. To make sure you make the right choice, speaking with Neff & Associates Insurance Services Inc. is a practical necessity. These professionals can help you get into a great policy that will protect against the risk of flood damage. 

Is Your Condo Guest Ready for the Holidays?

If you’re planning holiday events or receiving house guests this Thanksgiving or Christmas, now would be a good time to prepare your condo for the occasion. These ideas from Neff & Associates Insurance Services Inc. in Pismo Beach, CA can help you get started.

Declutter Living Areas

Clear out the clutter in your entryway and living room to create a more comfortable, relaxing environment for your festivities. This includes old newspapers, magazines, books, sports equipment, winter boots and anything else that makes your condo look cramped and messy. Store items that you want to keep and get rid of junk.

Clean, Clean, Clean

Wash curtains, dust furniture, clean windows, and floors. If needed, touch up walls with a fresh coat of paint for the holidays. Clean the kitchen to include cupboards, counters, refrigerator, and oven so you can cook in a clean, inspiring setting. Deep clean your bathrooms and stock up on bathroom supplies like toilet paper, paper towels and toiletries. Place holiday scented candles on the windowsill for a special touch.

Decorate Your Condo

Spread holiday cheer by putting up a tree and decorations to match. Holiday decorations help create a festive, welcoming environment for family and friends visiting for the holidays.  

Prepare Guest Bedroom

Air out the room to ensure it smells fresh. Make room in your closet for guest clothing and bags. Wash sheets, blankets and towels ahead of time, so they’re ready when guests arrive. Place a bowl of holiday snacks on the nightstand for guests to snack on. Make sure guests have good lighting to read during their stay.

Update Condo Insurance

Be prepared for unexpected accidents or calamities by updating your condo insurance. To learn more about condo insurance coverage and costs, contact Neff & Associates Insurance Services Inc in Pismo Beach, CA.

Things to Consider About Commercial Insurance

Commercial insurance is a broad category of insurance that includes many types of policies for specific protection. Any business that has employees must have workers’ compensation insurance. Every business needs general liability insurance. If you use any vehicles for the business, even if only occasionally, there needs to be commercial vehicle insurance in place.

If a business owns or leases a real property it needs to have commercial property and casualty (P&C) insurance. If it makes or distributes products, it needs product liability insurance. For those in a professional licensed occupation, such as healthcare practitioners or attorneys, then professional liability insurance is warranted. 

Commercial Insurance for Specific Needs

Many other forms of commercial insurance are helpful for protection against other risks, which include:

  • Business Interruption — This insurance provided financial support when the business cannot operate normally due to circumstances beyond the control of the business owner.
  • Key Person Life Insurance — Businesses that operate with the important contribution of one or a few individuals may want to consider getting key person life insurance that covers the death or incapacity of an important owner. These funds can help a business sustain operations while recovering for the loss of a key person.
  • Cyber Security Insurance — Cyber fraud is a significant risk from many businesses. This protection is important for any online business. It is especially important for a business that collects or stores personal information of consumers.
  • Umbrella Insurance — This type of insurance extends the policy limits of underlying policies and provides protection for some risks that are not otherwise covered.
  • Special Risks — There are customized commercial insurance policies available for special circumstances. Consult with your agent at Neff & Associates Insurance Services Inc serving Pismo Beach, CA and the surrounding communities.

Summary

There are so many kinds of commercial insurance that it is best to get a free commercial insurance review with the help of your agent at Neff & Associates Insurance Services Inc in Pismo Beach, CA. Your agent will review the current coverage to look for gaps that may create significant risk. Contact your agent today for a commercial insurance review and a quote.

How much renters insurance do you need?

Did you know that a landlord in Pismo Beach, CA is not required to provide a financial safety net for you should a natural disaster destroy your possessions in your apartment? The property owner’s main intent is to protect his investment. You, too, should think along these lines by purchasing a renter’s insurance plan that covers your financial losses when the unexpected happens. 

What is renter’s insurance?

The agents at Neff & Associates Insurance Services Inc can provide a full explanation about renter’s insurance. In short, though, a renter’s assurance plan is a policy that protects your possessions when the unexpected causes damage to your apartment. A good plan may pay for your furniture and appliances ruined by a leaking pipe. Some renter’s assurance policies also cover personal injury that a friend suffers while visiting your home. 

Why is renter’s insurance necessary?

The structure of your apartment or home in Pismo Beach CA is covered under your landlord’s assurance policy. Your keepsakes, however, are not covered under the same policy. You cannot even count on your landlord’s indemnity plan to pay for relocation fees in the instance of you having to live in a hotel for a few weeks so that repairs to the structure can commence. A renter’s insurance plan, however, may be able to help defray the cost of emergencies so that you do not have to rearrange your budget as much. 

How much renter’s insurance do you need?

The amount of renter’s insurance you need depends on your lifestyle. It is best to speak with an agent at Neff & Associates Insurance Services Inc about assurance plans to ensure that you get the policy that works best. Call us today to get started with a quote!

Motorcycle Insurance: Getting Ready For The Winter

When you’re driving around Pismo Beach, CA on a motorcycle, you want to make sure you’re getting ready for the winter months. It’s time to look at your motorcycle insurance policy to determine it has the coverage that you need. Neff & Associates Insurance Services Inc can help with the details, too.

Review Your Policy

It’s a good idea to review your policy every year. As winter approaches, now’s a great time to do that. Take the time to see if anything has changed. Your premiums could be on the rise due to an accident. If that is the case, you may want to shop around for a new policy. A different insurance company could be able to offer you more affordable premiums. You may also want to consider changing your coverage to feel better protected.

Continue Coverage

You also want to look at whether it’s necessary to continue coverage. As you prepare for the winter months, you may decide that you’re going to take your motorcycle off of the road. If this is the case, you may be able to pause coverage so that you’re not paying for insurance that you don’t need. Particularly if you’re not going to be riding throughout the whole winter, you can talk to the insurance company.

In the end, you want to make sure that you have coverage that you can count on. If you’re riding, you need to know that there is coverage to take good care of all that could happen.

At Neff & Associates Insurance Services Inc, we’re here to make motorcycle ownership easier for you. Contact us today to find out how to customize a policy so that you can enjoy peace of mind in Pismo Beach, CA. Our independent insurance agents are happy to help you find the right coverage.

 

3 Reasons to Buy Flood Insurance

To many people’s surprise, flood insurance is not included in a typical home insurance policy. If you live in Pismo Beach, CA, you particularly need to think about how flooding will affect your property. If you’re unprotected, Neff & Associates Insurance Services Inc wants you to know a little more. 

Your Location 

From earthquakes to strong storms, there are a variety of ways that the homes in Pismo Beach, CA may experience some type of flooding. The ocean may be beautiful, but it can also be destructive. Flood insurance can give you peace of mind if the weather takes a turn for the worst. Flooding can affect anyone in the US of course, but locations near the ocean (even if they’re not located on the beach) may have a few more reasons to worry. 

Flooding Doesn’t End at Water Damage

Water damage is extremely difficult to eliminate from a home. The mildew can get trapped in the fibers of practically every surface and leave a musty smell long after the area is cleaned. But mildew is not the real concern for a homeowner. Water damage can, unfortunately, lead to mold that can spread to every room. And while some variations of mold are mild, others are deadly. These infestations can grow behind the walls for months before anyone has a chance to even notice it. 

You Need Someone to Turn To

Flooding is a scary experience for anyone, which is why it can be terrifying to try to handle on your own. Neff & Associates Insurance Services Inc wants everyone to have a partner they can turn to when life takes a turn. If you want to learn how flood insurance can protect your hard-earned property. give us a call today to learn more. 

 

3 Reasons to Buy Flood Insurance

To many people’s surprise, flood insurance is not included in a typical home insurance policy. If you live in Pismo Beach, CA, you particularly need to think about how flooding will affect your property. If you’re unprotected, Neff & Associates Insurance Services Inc wants you to know a little more. 

Your Location 

From earthquakes to strong storms, there are a variety of ways that the homes in Pismo Beach, CA may experience some type of flooding. The ocean may be beautiful, but it can also be destructive. Flood insurance can give you peace of mind if the weather takes a turn for the worst. Flooding can affect anyone in the US of course, but locations near the ocean (even if they’re not located on the beach) may have a few more reasons to worry. 

Flooding Doesn’t End at Water Damage

Water damage is extremely difficult to eliminate from a home. The mildew can get trapped in the fibers of practically every surface and leave a musty smell long after the area is cleaned. But mildew is not the real concern for a homeowner. Water damage can, unfortunately, lead to mold that can spread to every room. And while some variations of mold are mild, others are deadly. These infestations can grow behind the walls for months before anyone has a chance to even notice it. 

You Need Someone to Turn To

Flooding is a scary experience for anyone, which is why it can be terrifying to try to handle on your own. Neff & Associates Insurance Services Inc wants everyone to have a partner they can turn to when life takes a turn. If you want to learn how flood insurance can protect your hard-earned property. give us a call today to learn more. 

 

3 Ways to Protect Your New Condo

You’ve finally bought your dream condo in Pismo Beach, CA and are getting ready to settle in. One of your first steps should be to take stock of your security to ensure your condo is a safe place to live. The following security and safety tips from Neff & Associates Insurance Services Inc. can help you get started in enhancing the security of your new home. 

Home Security System

If your condo doesn’t have a home security system, consider installing one to keep you safe and protect your goods. Depending on the location of your condo, your system could include an alarm, security camera or sensors for windows and doors to forewarn you when an intruder is trying to get into your condo. If you live on the bottom floor, outdoor security lights are a must.

Don’t forget to change the locks on your door(s) before moving in to avoid problems with former owners trying to get into your condo. Make backup keys as a precaution and only share them with people you fully trust.  

Smoke/Carbon Monoxide Detectors  

Secure the inside of your condo by making sure all smoke and carbon monoxide detectors are working properly and the electrical system is up to date. An outdated electrical system increases your risk of fire. Faulty smoke and carbon monoxide detectors can endanger your life by not providing the protection you need against carbon monoxide poisoning and fire.

Condo Insurance

Purchase a condo insurance policy to protect the interior structure of your unit and your belongings. Condo insurance will help pay for damage to cabinets, ceiling, walls and floors in the event of a disaster. It will also protect your personal goods from theft and harm.  

For customized condo insurance coverage to safeguard your new condo in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc. today.

Why commercial insurance should be at the top of your new business to-do list

Opening a new business can be an exciting and nerve-wracking proposition. There are a million and one details to sort out, and of course, there is always the stress of launching something new. If you are looking to open a new business, it’s important that obtaining commercial insurance is at the top of your list! The team at Neff & Associates Insurance Services Inc is here to help the business owners in the greater Pismo Beach, CA area obtain commercial insurance. We are proud to serve the insurance needs of our community. 

Don’t overlook the importance of commercial insurance

Owning a business takes a lot of time and effort, and can become almost like another child. It takes a lot of commitment and dedication to nurture your business to make it successful. Making sure that you have the appropriate commercial policy in place from the get-go is an effective way to protect all of your hard work. Meet with a professional agent before you open for business, and enjoy the peace of mind that comes with knowing that you have the coverage that you need. A comprehensive commercial insurance policy can help you in the event of certain natural disasters, theft damage, and losses to your inventory or equipment. Don’t take a chance with all of your hard work! Make sure that you have the appropriate coverage to meet all of your commercial needs. And don’t forget that as your business grows, your insurance policy will need to grow along with it. 

Want to learn more about the commercial insurance options that are available in the greater Pismo Beach, CA area? Contact the team at Neff & Associates Insurance Services Inc today and schedule a consultation.