Owning a home in Pismo Beach, CA is a dream come true. Making sure the dream doesn’t become a nightmare is the friendly team at Neff & Associates Insurance Services Inc. Having the right home insurance makes all the difference when a covered hazard strikes. As independent insurance agents, we work for our customers and provide a personalized level of service.
You only have minimum liability coverage.
If you have the basic amount most home insurance policies include, you may find that the amount is insufficient to cover the increased price of medical care. Wages have also significantly improved, and if someone is injured and can’t work, it could be pretty expensive, and judgments are unpredictable. You will also incur legal fees. Keep all of these in mind when choosing the right amount.
You add a swimming pool or trampoline.
Swimming pools and trampolines are excellent sources of entertainment in your home, but they also significantly increase your potential for liability. Many children are injured in accidents while using a trampoline and also in pools. Having enough insurance to protect yourself is vital.
You get a dog.
When you add a four-legged friend to your family, it raises your liability. Even a well-behaved dog can get into trouble. It is just the nature of dogs. When dogs run away and get frightened, they may not react as they normally do.
You have teenagers.
Teenagers can be very social, and when many people visit your home, your risk of being sued for an injury rises. It makes more sense to increase the amount of liability coverage you have rather than to discourage your teens from being social.
Contact Neff & Associates Insurance Services Inc. in Pismo Beach, CA when you need help or advice with your home insurance.