Should Property Owners in Pismo Beach Make Tenants Get Renters Insurance?

Many property owners in Pismo Beach, CA rent out rooms or whole homes. While a homeowner’s policy can cover a property, it doesn’t always cover boarders or their possessions. That alone is enough of a reason to make tenants obtain renters insurance. At Neff & Associates Insurance Services Inc., we want you to understand a few of the other reasons as well.

Renters Insurance Can Decrease the Possibility of Lawsuits against the Property Owner

If something happens at the property that ruins a tenant’s personal belongings, the tenant may attempt to sue the property owner for damages. This is especially true if the cause of damage occurred because of something faulty like a bad appliance, or a building defect.

A tenant with renters insurance will have a way to recoup some or all of their loss. This, in turn, can lead them to not seeking compensation from the property owner.

Renters insurance can also cover personal liability, which protects the property owner. If someone suffers an injury on the property, that person may attempt to sue the property owner. If that person goes to the hospital, the medical bills may fall on the landlord’s doorstep. Renters insurance with personal liability protection can mitigate that possibility.

Requiring Renters Insurance Can Help Property Owners Find Responsible Tenants

When property owners list renters insurance as a requirement, it can serve as another test of the viability of a potential tenant. For example, landlords may find out the potential tenant cannot afford renters insurance. That can raise a red flag, as renters insurance is one of the most affordable forms of insurance out there.

Renters Insurance Gives Peace of Mind to Both Property Owners and Tenants

Renters insurance is like homeowners insurance but for renters. It comes with many of the same perks and protections. Property owners in Pismo Beach, CA can explain this to potential to show them how it can give both parties peace of mind.

At Neff & Associates Insurance Services Inc., we can help property owners and tenants alike understand the importance of homeowners and renters insurance. Contact us today for more information.

Reasons to Get a Motorcycle

If you’re considering a motorcycle, you might be making a pros and cons list. We have a few reasons why you should purchase a motorcycle to add to the list. And as soon as you decide to purchase a bike, you should contact Neff & Associates Insurance Services Inc, serving Pismo Beach, CA and the surrounding area. 

1. It’s Enjoyable
It’s fun and exciting to ride a motorcycle. You can experience the joys of the wind whipping through your hair when you’re riding. You can go anywhere you want when you’re on a motorcycle, which makes venturing out on a bike convenient. 

2. Inexpensive 

The price of gas can quickly add up. This is especially the case if you own a vehicle that takes a considerable amount of gas such as an SUV. When you’re traveling, the price of gas can hinder your vacation. However, this isn’t the case if you own a motorcycle. Sometimes, all of you need is $10 to get you everywhere you need to go for the week. This saves you money in the long run, especially if you plan on traveling long distances. It can save you money on your commuting expenses if you’re planning on traveling on a bike rather than in a vehicle. 

3. Instant Coolness 

When you were younger, you might have wondered what it was like to be cool. You might have wondered what you could do to make yourself cool and to get you noticed. After all these years, you can figure out exactly what you need to make yourself appear cool…buy a motorcycle. Purchasing a motorcycle will definitely get you to be the center of attention when you’re hanging out with your friends.

Contact Neff & Associates Insurance Services Inc., serving Pismo Beach, CA and the surrounding area, by contacting us for a quote for bike insurance since you won’t look cool for long if you don’t have insurance to cover your bike. Call us today at 805-773-1710. 

Myths about Flood Insurance

Flood insurance is not covered by typical insurance and there are a lot of questions people have regarding it. Things you may have heard may not necessarily be true, so it’s important to know these myths and get the coverage you need. Speak to an agent at Neff & Associates Insurance Services Inc to discuss flood coverage for Pismo Beach, CA.

1. You Have to Live in a Flood Plain

Even if you don’t live in a flood plain, you can still purchase flood insurance. Prices for flood insurance are based on the home value and whether or not it’s in a flood plain, so if you aren’t in a flood plain the insurance may be less costly.

2. It’s Just for High-Risk Areas

Even if you aren’t in a flood plain there is still a chance for a flood. It is important to weigh out your options for insurance.

3. The Insurance Will Cover Everything

Depending on the cost of your house, the federal insurance will cap out at $250,000. You can buy “excess flood insurance” through a private carrier to cover anything above $250,000 if your house is worth more. Flood insurance won’t cover living expenses while the house is being worked on.

4. Your Homeowner’s Insurance Will Cover Floods

A standard home insurance policy won’t cover flood damage. Remember, there is a 30-day waiting period between when coverage kicks in and when you buy, so you have to plan ahead and can’t just buy insurance when a storm is looming.

5. Water Damage Is All the Same

Not all water damage is the same, according to your insurance policy. If water comes in through the roof after a storm that doesn’t require flood coverage, but if a body of water overflows and damages your house that requires flood coverage.

If you have questions about flood coverage in Pismo Beach, CA, speak with Neff & Associates Insurance Services Inc.


Condo insurance 101: What you need to know as a property investor

Purchasing a Condo requires you to make crucial decisions but so is protecting it. Keeping in mind that a condominium is an investment worth lots of money, you need to get the best insurance cover to protect it against any unforeseen risks. However, you need to do a lot of research before deciding which company or which policy to buy.

The first step towards getting the best condo insurance is getting the right insurance company. You need to find a company that understands the value of your condo cover. Neff & Associates Insurance Services Inc. which serves Pismo Beach, CA is one such insurance company. Our happiness is to see you satisfied and stress- free.
In regards to that, we have compiled some of the things you need to know as a property investor before you agree to sign any contract. We value transparency and honesty, and that is why, once you visit our offices, our priority is to give you all the information you need to help you make an informed decision.

Here is a glimpse of some of the most important things you should know as a property investor

  •  Understand the terms

There are different condo insurance options. For example, insuring a single family home is not the same as insuring your condo. You need to read all the terms and conditions of your contract before you commit.

  • The location of your Condo determines your insurance cover

If your condo is located in a place that has a high chance of being affected by natural disasters such as floods, you will have to pay more premiums. So, if you have an option of choosing a condo in a better location, that is a better choice since it will save you cost in the long run.

  • Do research

Having the right condominium insurance cover will save you a lot of cost and regrets in the future. Make sure you are well conversant with the different coverage options. Luckily, we as Pismo Beach, CA, Neff & Associates Insurance Services Inc. we have well-trained employees that have had condo insurance experience for a couple of years.

Visit us today and get to know all the essential facts about condo insurance as well as our different insurance covers.


Tips for Summer Classic Car Care

It’s finally summertime and the perfect time to make sure your classic car is in good working condition for the summer high temperatures in the surrounding Pismo Beach, CA area. Many enjoy taking their classic car out for a trip in the summer months, and you do not want to be stranded in the summer heat due to an unchecked issue. Here are some tips for vintage automobile care in the summer.

  • Check necessary fluids, such as motor oil, coolant, and windshield washer fluid regularly. Older autos need to be checked more often, so don’t forget to take a few minutes and check things out before leaving.
  • Regularly check the appearance of your tires, in particular for cracks in the sidewalls. Check the tire pressure because summer temperatures cause the air in the tires to expand. Tire damage or overinflated tires can lead to a blowout that ruins your trip.
  • Dry summer heat, the wind, and long distance road trips can cause the air and gas filters to become dirty faster than other times during the year.  Have these checked regularly to help improve fuel economy and the vehicle’s performance?
  • If your classic car has an AC system, it’s time to have it checked. While it’s not necessary for your car to run, it can be important to keep you and passengers from becoming overheated.
  • You have likely invested a lot into restoring your classic car, so protect its new look from cosmetic damage by the sun. Park in the shade whenever possible and use a sun shade.

Neff & Associates Insurance Services Inc

If you have a vintage vehicle in the Pismo Beach, CA area, trust Neff & Associates Insurance Services Inc to help you find the right coverage for your classic car.

Common Items That Are Not Covered by Renters Insurance

Renting a home or apartment requires insurance, and contrary to what many people think, your landlord’s insurance will not provide coverage. The landlord’s policy will likely cover damage to the building itself, but not any of your possessions. Neff & Associates Insurance Services Inc is here to answer any and all questions that you may have about renters insurance in the Pismo Beach, CA area. Renters insurance is something that you need, and when selecting your policy, it is important to know what items and events are covered and which may require an additional policy or rider. 

Typically, all items such as personal electronics, clothing, and furniture are covered. You will want to discuss any expensive items with your agent as most insurance companies require a separate rider for items such as artwork and jewelry which may exceed the maximum payout allotments. Other coverage that may not be included in a basic policy is alternative housing in the event of total damage. Renters insurance will cover the cost of replacing damaged possessions in the event of a fire, but you will likely require additional coverage for reimbursement of expenses if you are displaced.

If a catastrophe were to strike, you want to make sure that your coverage is exactly what you need. Complete insurance coverage can help you recover from a catastrophic event with a lot less impact; having the right policy in place will help you to put your life back together as quickly and efficiently as possible. Neff & Associates Insurance Services Inc are proud to serve the Pismo Beach, CA area and would welcome the opportunity to help you meet your insurance needs. Please call us today or stop by to meet with one of our knowledgeable agents.

How Errors and Omissions Can Save Printing Companies

Whether in life or in business, mistakes can happen.  While mistakes in your personal life may cause embarrassment, errors in business can result in a significant cost to the company. Neff & Associates Insurance Services Inc in Pismo Beach, CA understand the importance of protecting your business against these mistakes.  

In the printing industry, everyday company functions such as proofing can lead to errors that may result in costly expenses.  That is why every printing company, no matter the size, should have errors and omissions coverage in their commercial policy.  

What Is Errors and Omissions Cover?

E&O coverage, also referred to as professional liability coverage, provides for legal expenses that have resulted from a negligent act or an error in the print process. The coverage will aid in the reprinting or reproduction of the piece as well as any legal expenses or settlements that may occur from a lawsuit associated with the error.  Printing errors are often found in one of the following areas of the print process.

  • Copy Errors
  • Color Problems
  • Assembly Issues
  • Problems With Distribution

How Can Errors and Omission Coverage Protect Your Printing Company?

E&O coverage can protect your printing company against:

  • Legal Costs – Whether your business is responsible for the error or not, you will incur attorney and legal fees if the customer decides that the error has damaged them or their company and are trying to seek damages.
  • Loss  Due to Reprint – If you are required to reprint the piece, your E&O coverage will provide you with the funds to pay for the replacement of materials as well as the labor costs to rerun it.

While large print runs are important to printing business large and small, the expense of replacing a misprinted piece can sometimes cost the company more than they can cover.  Errors and Omission coverage can protect you against these expenses as well as any costly legal expenses that you may incur.

If you are interested in finding out how E&O coverage can protect your company or would like a commercial business policy quote, contact an experienced agent at Neff & Associates Insurance Services Inc in Pismo Beach, CA today.



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.

All About Putting Your Kid on Your Auto Insurance Policy

When it comes time for your teenager to start driving, one of the first things you’ll want to do is make sure he is insured. Most teenagers are part-time drivers and go on their parent’s auto insurance policy. Read on to learn the answers to common questions and concerns parents having when taking this big step.

When do I add my teen to my insurance policy?

As soon as he gets his learner’s permit, you should call your insurance company and add him to your policy.  

Will adding my teen to my auto insurance policy increase my rates?

Yes.  However, it is typically cheaper to add a teen to an existing parent policy than getting his own auto insurance policy.  

How can I save money when I add my teen to my auto insurance policy?  

There are more ways to save money on your auto insurance policy. Some of these include:

  • Insuring multiple vehicles with the same insurance company you may be able to get a discount.  
  • Bundling home owner’s insurance and other insurance policies with the same company.  
  • Driving safe, modest vehicles over sporty, expensive cars.  
  • Increasing your deductible amount.  

To learn more about adding a teen driver to your auto insurance policy in Pismo Beach, CA, contact the expert insurance agents at Neff & Associates Insurance Services Inc. You may be eligible for discounts you didn’t even know about, especially if your driving situation has changed or you have reached a certain age. To reach Neff & Associates Insurance Services Inc serving Pismo Beach, CA, you can call us at 805-773-1710 and speak with one of our friendly agents.  


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.