"But the former owner never told us about flood risk before we bought the house in Pismo Beach, CA!" How many times have you heard that one from friends and family who just bought a house? You might not have heard it if your area isn’t prone to flooding. In that case, as in the 21 states that don’t require flood insurance, you might never hear of it. Neff & Associates Insurance Services Inc. in Pismo Beach, CA is here to tell you what you need to know about flood insurance and flood risk.

Flood Risk Vulnerability

The Public Policy Institute of California published a paper in 2017 of figures based on 2010 data, all there is to go on. Not only does the paper quote that just over 3 million people live in the southern coast section of the state but that over 230 billion in structures are at flood risk. This is in a 500-year flood plain, in which floods have a two percent chance of happening in any given year. 

What Causes Flood Risk?

Several things are responsible. Climate change means winter storms composed of rain versus snow. High tides and a rising sea level in and near Pismo Beach, CA don’t help.

Obsolete flood management methods discharged the floodwaters into the sea. This was fine, except that residents, as well as the environment, needed the rivers. Modern management of floodwaters integrates the water into general water management. California should allocate funds to modernize its methods. More and better flood insurance and pointing residents toward the National Flood Insurance Program are vital.

Now that you know the facts of flood risk, Neff & Associates Insurance Services Inc. of Pismo Beach, CA stands ready and able to protect your property and belongings in the case of flooding. Call or drop in today to learn more about it.

Small businesses have enough to worry about without a hacker opening them to litigation for losing their customers’ personal information. An online presence is the lifeline of a small business, but that presents specific problems. Pismo Beach, CA’s Neff & Associates Insurance Services Inc. wants small business owners to know about cyber insurance.

For example, what could you do if a hacker locked your computer screens while deleting your files? Backing up your information is vital to your small business’ longevity. Cyber insurance can help. What would happen if you turned on your computers upon opening your business only to find a ransom screen on your monitors? Don’t panic; cyber insurance can help.

Who Needs Cyber Security Insurance?

Rest assured, every business "Big Boys" has such insurance. They have more to lose. If a hacker got hold of their records, small companies could be wiped out, so cyber insurance could be a lifeline. 

You need cyber insurance if you:

    • Store important information on computers, such as customer information and how it pertains to your service or product.

    • Have a substantial customer base.

    • Enjoy high profits from or simply because you have expensive digital resources.

What Kind Of Coverage You Need

Cyber insurance includes first-party coverage, which covers everything pertaining to you. Investigation lost revenues due to business closing and alerting customers while providing them with anti-fraud resources. Liability coverage takes care of court costs and settlements. These are the basics, so ask your insurance carrier for more specific products.

You didn’t go into business for any reason other than selling what you believe in and making a profit so you could take care of your family. Pismo Beach, CA’s Neff & Associates Insurance Services Inc will help with cyber insurance when you call or drop by to learn more about it.

Umbrella insurance is a unique type of plan in California that can help work as additional coverage for various policies, including home and auto insurance. If you find a quality plan, you may even be able to take advantage of coverage that is not included in standard liability policies. If you’re looking for umbrella insurance in Pismo Beach, CA, be sure to contact us at Neff & Associates Insurance Services Inc to learn more. 

Currently, California does not require you to obtain umbrella insurance. As a result, the only laws applicable to this kind of insurance in the state apply to most individual insurance policies. 

When looking for an umbrella insurance policy in California, you’ll want to consider the following factors:

• Minimums: Most California insurance companies require you to attain a minimum amount of coverage in an umbrella policy. For example, you may need a minimum of $400,000 for home insurance or $250,000 for auto insurance. It all depends on your California location and the plan type you want to complement.
• Coverage: Umbrella insurance policies usually provide broad coverage. This generally includes property damage, lawsuits, and personal liability in California. 
• Limits: In California, umbrella coverage can go above $5 million in coverage. Just remember that the limits you want will directly impact the cost of your policy.  
• Global Coverage: Most California policies offer limited coverage for accidents that happen outside of the United States. 

Remember, even though it may not be required by California law, having an umbrella insurance policy could offer a great deal of protection against claims or lawsuits. And remember, if you’re looking for umbrella insurance in Pismo Beach, CA, contact us at Neff & Associates Insurance Services Inc today!

Whether you rent a house or an apartment, you should protect yourself from financial losses that may result if something terrible happens to your personal property or persons within your rental unit. One sure way to achieve that is by buying renters insurance. Here are four mistakes to avoid when purchasing renters insurance.

1. Not Buying Renters Insurance

Renters insurance protects your personal property from loss, damage, and destruction from fire, burglaries, and natural catastrophes. It can also cover your liabilities if someone is injured within your rented property and you are held liable.

Failure to buy the policy would mean replacing your possessions and paying for your liabilities from your pocket, which can be very costly.

2. Not Getting Sufficient Coverage

When purchasing renters insurance, you want to ensure that your insurer provides enough coverage for your possessions, liabilities, and additional living expenses.

In this case, personal possessions coverage will help you recover expensive items you may lose due to an insured cause.

Liability coverage, however, will protect you from third-party claims for injuries or property damage from your family or pets.

Finally, the coverage for the additional living expenses will reimburse you for additional living expenses you may incur if you relocate from your home after it is declared inhabitable due to an insured problem.

3. Not Comparing Different Insurance Companies

Some insurers are known for their outstanding services, while others are popular for their poor services. It would be best if you compared multiple insurers to ensure you get the best. One way to achieve that is by checking their customer reviews to pick the one with overwhelmingly positive reviews.

Alternatively, you can contact insurance experts in Pismo Beach, CA, at Neff & Associates Insurance Services Inc. to help you find a reliable insurance company.

4. Not Bundling Policies Together

Getting two or more insurance policies from one insurer can help you lower premium rates. Suppose you have an auto insurance policy and buy renters insurance from the same company. In that case, you may pay lower premiums than you would have if you purchased the policies from different insurers.

Contact Neff & Associates Insurance Services Inc.

If you need renters insurance in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc. for quick assistance. We are proud to help you find reliable coverage at a reasonable price.

The motorcycle insurance agents at Neff & Associates Insurance Services Inc., serving the Pismo Beach, CA area, can explain motorcycle insurance’s importance.

In the state of California, at least a liability motorcycle insurance policy is required. This will cover the costs of property damage or bodily injury you cause in an accident.

What Does Motorcycle Insurance Cover?

In addition to motorcycle liability insurance that you must have in place to legally drive your motorcycle, you can choose from several other coverage options.

Uninsured and Underinsured Motorist Coverage

This type of insurance is important to have in case you ever are involved in an accident that is the other driver’s fault. Still, that particular driver either has no insurance or does not have enough insurance to cover everything for you.

Comprehensive and Collision Insurance

Both comprehensive and collision insurance may be required for you to have in place if you owe money to a lender for the purchase of your gorgeous motorcycle. If not, they are still great coverage options to have. This is because comprehensive insurance will replace or repair your bike if it is stolen or becomes involved in a fire, an act of vandalism, or a natural disaster.

Collision insurance will help pay for damage to your bike if you collide with another vehicle or even a stationary object.

Contact Neff & Associates Insurance Services Inc.

To obtain great motorcycle insurance policy for you and your situation, contact the experienced, trusted, and knowledgeable motorcycle insurance agents at Neff & Associates Insurance Services Inc., serving the Pismo Beach, CA area today!

Small business owners often make common mistakes regarding commercial insurance that can lead to serious consequences for their businesses. Neff & Associates Insurance Services Inc, serving the Pismo Beach, CA area, is here to advise small business owners like you on the most common commercial insurance mistakes, so you can avoid them and keep your business safe.

#1: Underestimating Risks

While general liability insurance provides coverage for certain incidents, such as slips and falls, there may be other areas of risk that can’t be covered by this policy alone. Businesses should continually assess their exposures and ensure their insurance policies cover all necessary risks.

#2: Neglecting Employee Benefits

Another common mistake is failing to provide adequate employee benefits coverage. Employers are legally responsible for providing employees with certain benefits, such as workers’ compensation insurance, health insurance plans, or disability income protection. The business may face serious legal repercussions if these requirements are unmet.

#3: Relying on General Liability Insurance Alone

Finally, businesses should never rely solely on general liability insurance to cover all risks. This type of coverage is typically limited in scope and isn’t designed to address more complex areas of risk. Businesses should supplement their general liability policies with other types of insurance, such as property and casualty or professional liability.

At Neff & Associates Insurance Services Inc, we understand the unique risks faced by small businesses in the Pismo Beach, CA area. We can work with you to create a comprehensive commercial insurance package tailored to your budget and business needs. Our experienced agents will ensure that you are adequately protected and that your business is covered in any unexpected claims or damages. Contact our office today to learn more about how we can help protect your small business.

Vintage cars have been around for a long time, and they offer owners the nostalgia of a bygone era that can’t be found in other vehicles. But these unique automobiles also require specialized coverage to protect them adequately while on the road. Here’s why your vintage car needs specialized automobile coverage.

The Difference Between Classic Auto Insurance and Regular Auto Insurance

Classic auto insurance is designed to cover vintage cars in a way that regular auto insurance can’t. This type of coverage typically includes an agreed-upon value policy, which means you and your insurer agree on a set value for your vehicle, and that’s what you’ll receive if it is totaled in an accident or stolen. 

Which Coverage Do You Need?

At Neff & Associates Insurance Services Inc., serving the Pismo Beach, CA area, we offer specialized coverage for vintage cars that includes all the important protections you need. Our classic auto insurance policies come with value and liability coverage to help protect your vehicle and ensure it can be replaced in the event of an accident or theft. We also offer comprehensive coverage to protect you from potential damage caused by fire, vandalism, weather, and other accidents. Contact an agent today to learn more about how this type of coverage could benefit you. 

Final Thoughts

From classic cars to modern vehicles, Neff & Associates Insurance Services Inc serving the Pismo Beach, CA area has you covered. Contact us today to learn more about our specialized vintage car coverage and how it can help keep your car safe. Our experienced agents will happily answer any questions and customize a policy that meets your needs. With our classic auto insurance, you can rest assured your vintage car is in good hands.

If you are familiar with the Pismo Beach, CA area, you will know that it can be a great place to own a home. When you want to purchase a property in this area of the state, owning a condo is a good option as it has various amenities and benefits. If you would like to purchase a property here, you also need to get insurance. There are multiple reasons why you need to have condo coverage here. 

Ensure Compliance with Obligations

All people in this part of the state will want to have a condo plan so they can comply with any obligations. You will need to meet various requirements, including rules set by your mortgage lender and home association. With condo insurance, you can comply with these requirements and avoid penalization. 

Receive Financial Protection

Having a condo insurance plan to receive financial protection is also a good idea. Various financial risks can be mitigated with condo coverage. If you have a condo plan, it will provide you with liability coverage and will protect all of your personal assets and dwelling. This will be helpful if you experience a setback related to fire or weather damage, theft, vandalism, or other risks.

Being a condo owner in the Pismo Beach, CA area is a good idea. When looking for your insurance here, it can be a good idea to call our team with Neff & Associates Insurance Services Inc. There are always a lot of essential choices to make when looking for this coverage, and our team with Neff & Associates Insurance Services Inc can offer customized guidance to help you build your next plan. 

To make intelligent insurance decisions, it is vital that you fully understand the types of risks your home may have. At Neff & Associates Insurance Services Inc, we are here to help the residents of Pismo Beach, CA, and the surrounding areas better understand flood risks and flood insurance. Keep reading to learn about US regions with the greatest flood risks. 

Texas 

Texas is at significant risk for flooding as it sits in the Gulf of Mexico. This region of the US is notorious for hurricanes, which can bring devastating floods yearly. Parts of Texas are also below sea levels, which increases flood risks. You should understand that not all of Texas is at the same levels of flood risk, though. If you are concerned about flood risks, you need to talk with an insurance representative concerning flood insurance in your area. 

Florida

Florida is a peninsula which means it has a great deal of surface on the coast. Some of the coasts fall on the Atlantic side, while the rest of the peninsula faces the Gulf of Mexico. The Gulf of Mexico, as well as the Atlantic ocean, both carry hurricane risks each year. These factors work together to create a huge flood risk for residents of Florida, especially those dwelling on the coast. 

California 

California has a vast coastal area that can be prone to flooding. California is also prone to wildfires and landslides, which can also work to create flooding situations. Earthquakes, which are not uncommon in California, can also contribute to flooding. 

If you are concerned about flooding in your area and would like to learn more about flood insurance, please contact us at Neff & Associates Insurance Services Inc, serving Pismo Beach, CA, and the surrounding areas. 

Buying umbrella insurance in Pismo Beach, CA is an excellent idea for consumers looking to protect themselves financially. Neff & Associates Insurance Services Inc is a provider of umbrella insurance. 

When you’re buying umbrella insurance, there are a few crucial steps you’ll want to go through. The following are three steps to purchase umbrella insurance. 

Learn about how umbrella insurance works

The first thing you need to do is make sure that you understand umbrella insurance and how it can benefit you. 

Umbrella insurance is a kind of insurance that complements other insurance policies. It would be best to understand that your umbrella insurance coverage will add to your coverage from different insurance types, like your auto insurance policy. 

Determine how much coverage you should have on your policy

Umbrella insurance is typically sold in increments of $1 million in coverage. It’s best to choose a policy with enough coverage so that the full value of your assets is covered. This is the best way to protect your hard-earned wealth. 

Shop around and get policy quotes before selecting an option

As with any other type of insurance, umbrella insurance should only be purchased after a consumer researches options by getting quotes.

Choose a few umbrella insurance providers to request quotes from. This allows you to look at your options before you make a decision. By getting numerous quotes, you can be sure that the umbrella insurance rate you get is competitive. 

Rely on us at Neff & Associates Insurance Services Inc to provide you with important information on the umbrella insurance options you have to choose from. We are an insurance provider offering coverage to consumers in Pismo Beach, CA. Call us today so that you can get a quote on umbrella insurance.