How Much Motorcycle Insurance Coverage is Enough?

As a motorcycle driver in the state of California, you need to at least meet the minimum requirements as set up by the insurance laws in the state. While these may be enough in coverage for some people, there may be others that consider getting a bit more coverage for their motorcycle and themselves.  Here at Neff & Associates Insurance Services Inc we know that you need to at least have the minimum coverage here in Pismo Beach, CA. 

What is the Minimum Motorcycle Insurance Requirement in CA?

For motorcycle insurance, the law is clear and outlines the specific type of coverage you need as well as how much. You need to have liability coverage on your motorcycle and the minimum coverage depends on the type. You need to have at least $15,000 in coverage for injury or death for one person. You also need to have at least $30,000 for total injury or death if there are multiple people that are hurt in the accident you caused. Lastly, you need to have at least $5,000 in coverage for damage to property. You may decide that you need more but as long as you have the minimum, you are compliant with the state laws.

If you do not have the minimum coverage for your motorcycle or you want to make sure that your policy meets the requirements, be sure to contact us at Neff & Associated Insurance Services Inc today. We are here to help those in the Pismo Beach, CA area ensure they are properly covered and will take a look at your current policy or get you a quote at no cost to you. We will also help you find a policy that fits in your budget so you do not have to sacrifice anything to remain compliant. 

Changing Weather Patterns and Flooding

The past twenty years have seen a huge influx of flooding and mudslides on the Californian coastline. Weather patterns have been shifting to more and more big storms, which has made flooding a possibility every storm season. 

In 2014, the entire coast was hit with one of the worst storms in centuries, causing massive damage to many cities. November 2017 had another terrible storm, causing millions of dollars in damage and nearly wiping out a few cities.

This is not something that will be changing anytime soon. This means that it is important to protect your Pismo Beach, CA home. Storms are forecasted fairly well in advanced, but flash flooding and mudslides are much harder to predict, so investing in emergency supplies is a good idea just in case. Things like flashlights, inflatable rafts, solar-powered weather radios and other equipment can save your life.

But the most important thing you can do to prepare for a flood is to invest in flood insurance. Flood insurance covers your home in ways that most homeowner’s insurance plans do not. Having this kind of coverage will help you get through the natural disaster, buy giving you a way to rebuild and repair without having to go into debt to do so.

Neff & Associates Insurance Services Inc would like to help you prepare for flooding by providing you with flood insurance coverage. We have years of experience helping our customers choose the right coverage and help them understand what each coverage is for. We serve the Pismo Beach, CA area.

Contact Neff & Associates Insurance Services Inc today and let us get you started on your path to flood insurance. 

Can Renters Buy Flood Insurance?

There are many misconceptions out there about renters and flood insurance. At Neff & Associates Insurance Services Inc, serving the greater Pismo Beach, CA area, we want to help debunk these misconceptions. Here are three common misconceptions about flood insurance and renters and the truth surrounding these misconceptions. 

Renters Cannot Buy Flood Insurance

One of the biggest misconceptions in regards to flood insurance and renters is a renter ability to buy flood insurance. Many renters do not think that they can buy flood insurance. They think that this is something that only homeowners can buy to help protect their dwelling from a flood. But this is not true. Renters can buy flood insurance to help cover their belongings in the event that a flood occurs. 

Renters Are Covered By Homeowners Flood Insurance

Another common misconception in regards to flood insurance and renters is that many renters think that they are covered by a homeowners insurance policy. If the owner of the home carries flood insurance, their policy will not cover your belongings or cover the cost of housing you if you are displaced. You must purchase your own policy in order to be covered. 

Renters Insurance Covers Floods

The last misconception that is common in regards to flooding and renters is that renters insurance covers flooding. The majority of renters insurance policies do not cover most types of floods in a home. You must purchase a supplement flood policy in order to be covered from flooding as a renter. 

If you are renting a home and do not have a separate flood insurance policy, now is the perfect time to obtain one. Neff & Associates Insurance Services Inc, serving the greater Pismo Beach, CA can help you obtain the insurance you need. Call us now for a quote. 

Can Someone Under the Age of 18 Have a Motorcycle Insurance Policy?

Motorcycle insurance is something that is essential for anyone that plans on driving a motorcycle. In most cases, those that do ride a motorcycle are going to be over the age of 18 which means that having a policy when under the age of 18 is not really an issue. For other riders, there may be some issues with obtaining a policy. For those that live in the Pismo Beach, CA area, the agents with Neff & Associates Insurance Services Inc can help you find the policy that is going to work best for you.

 In most cases, you need to be over the age of 18 in order to have a policy on your own without the name of a parent or legal guardian on the policy. Insurance companies do this for a few different reasons. For starters, they require a policyholder over the age of 18 in order to make sure the policy is going to be paid, to make sure that if there is an accident there is someone that is over the age of 18 to hold accountable, and because it is not legal for anyone under the age of 18 to enter into a legal and binding contract which is what an insurance policy essentially is.

For those that are under the age of 18 and need a motorcycle policy, it is going to be the most beneficial to take out coverage on your parent’s policy so that you can be covered while on the road. You also want to make sure you have the right coverage and that you are going to have the right registration and the right permits to drive even though you are under 18.

For those in the Pismo Beach, CA area, the agents with Neff & Associates Insurance Services Inc can help you to find the right policy for you.

A Contract Claim is not the Same as a Tort Claim

No one wants to have to deal with a claim for a loss. Unfortunately, as a business becomes more successful over time, at some point it will run into a situation where the client is unhappy with how he was treated and will want a recovery. Ironically, the more successful a company is, the higher the probability a claim will eventually occur. This definitely applies to businesses in Pismo Beach, CA and elsewhere in the golden state.

However, there’s a key difference between a claim for a general injury and one related to a contractual obligation, and this is where a lot of confusion occurs both on the business side as well as the client. In a nutshell, a general injury in the legal world is known as a tort. A claim based on a contract is known as a contract breach. The tort legally has in many regions and jurisdictions a short period of time to file a claim (usually one year). A contract claim, on the other hand, is often three to five years, depending on the state. That time difference (known as a statute of limitations) can big a big issue for a company’s finances and the type of policy it chooses for coverage. It’s also one of the primary areas where new companies choose the wrong type of coverage and find out the hard way when the claim arrives.

To clear up the confusion for those in the Pismo Beach, CA area, Neff & Associates Insurance Services Inc are available by phone, email or in-person visit to discuss. Don’t hesitate to ask and find out a tort versus contract difference can impact your company if not prepared for. The staff at Neff & Associates Insurance Services Inc have seen these situations before and can provide valuable case studies where mistakes in coverage resulted in painful, hard lessons.

Buying a Motorcycle? Consider the Facts

Motorcycles offer a practical and efficient means of traveling. If you’re new to biking, a safety course can help you learn riding skills that will keep you safe on the road. You’ll also need safety gear and motorcycle insurance to protect you against accidents. At Neff & Associates Insurance Services Inc., we can help you make wise insurance choices. When it comes to buying your first bike, the following facts can help you make a good selection.  

Multiple Options

Motorcycles vary in size, shape, handling and performance. What’s good for one person may not suit another. It’s important to try out various bikes for handling, comfort and fit before deciding what to buy. Be leery of choosing a bike that’s more powerful than you can handle. A bike that’s comfortable and handles with ease will be safe and enjoyable to ride.

Practical is Better than Sexy    

A sexy bike may sound appealing, but if it doesn’t suit your purpose, it’s a waste of money. Knowing how and where you’ll be using your motorcycle can help you determine what kind of bike to buy. A weekend toy is one thing – a safe, efficient bike for work, school or long distance travels is another. As motorcycles are expensive investments, make sure you get it right.

Used Can Save You Money

If you’re on a budget, a used motorcycle can save you money. Used bikes are often better for beginners who are more prone to accidents. Be sure to have the bike thoroughly inspected by a motorcycle mechanic to make sure it’s a good buy.

Long-Term Investment

Between the cost of your bike, safety course, motorcycle gear and insurance, motorcycle ownership can be quite an investment. With insurance protection from Neff & Associates Insurance Services Inc, you can enjoy your motorcycle travels in Pismo Beach, CA to the full.    



Protecting your home from floods

Have you ever experienced flooding? If you have, you know how devastating it can be. Floods can affect anyone, both high-income earners or low-income earners. The damage caused by floods can be very prevalent and costly, and that is why it is vital to protect your home and loved ones from the effects of this nightmare.

If you live in Pismo Beach, CA, you know that floods are widespread in the US and that no state is safe. Therefore, you need to take measures of what you can do if floods ever strike your state later on your home. It is advisable that you safeguard your electrical appliances, modify your water valves and opt for the main retrofit among more. But is that enough?

Neff & Associates Insurance Services Inc. provides you with a solution to protect your home from floods and to help you stay stress-free. We offer you a flood insurance policy to cover your home and loved ones in case of damages caused by floods.  We recommend that you take this plan even if your home is not likely to be affected by floods, just as a precaution. Your home is of great value. You do not want to lose it just because you did not take a precaution.

We offer you different coverage options which are approved by the Federal Emergency Management Agency (FEMA).  Some of them include:

Building Coverage

Through this policy, your home’s physical structure is protected from floods. However, the land on which your house is built is not covered.

Contents Coverage

As established earlier, Neff & Associates Insurance Services Inc. appreciates the value of your home. It is where you keep all your belongings be it clothes, shoes, electronics, carpeting, furniture and art among more. Therefore, this policy is to ensure that all your property is recovered if floods were to take place.

Replacement Cost Coverage

There are times when your home gets damaged, and you are required to replace it, we offer you this replacement cost coverage but with a condition. Your house has to be that of a single family or a primary residence.

Pismo Beach, CA is a fantastic place to live. Please make a point to protect your home from floods by contacting us through our website or visiting our offices.


Filing a Commercial Insurance Claim in the State of California

No matter what kind of loss your business might have suffered, the responsibilities that come from filing a commercial insurance claim can be enormous. Your broker-agent can help you throughout the entire process, and he or she will be your fist point of contact when you’re ready to make a commercial insurance claim. One of your responsibilities is to make sure that any reports are being filed in a timely manner, and it will help your insurance company to process your claim and complete its investigation as soon as possible.

Promptness in Processing Claims

You need to make an assessment of your loss quickly so you don’t run into a situation that may result in further losses, and it’s a critical factor in filing a liability insurance claim because it deals with potentially high dollar amounts. Failing to process a claim early enough could result in third-party litigation. And because of what’s at stake, it’s important to turn your claim over to a broker-agent or your insurance company as soon as possible. Litigation can be more expensive than if you were to process the claim in the beginning, and trying to handle the claim yourself will violate the terms of your contract.

If you have any questions about commercial insurance in the State of California, Neff & Associates Insurance Services Inc has a team of agents who can help you get the coverage for your business in Pismo Beach, CA. And we have years of combined experience in all types of insurance. Be sure to get in touch with us today to find out what we can do for you and your business!

Loss Prevention and Control

One of the best ways to minimize any potential liabilities that can come from an insurance claim is to go through a loss prevention and control process. Most insurance companies have loss prevention departments, but there are some that use contracted services. This procedure is often done on high-premium or high-risk policies as part of the insurance package, but you can still go through your own loss prevention and control process to lower your chances of having to file a commercial insurance claim. Your broker-agent can advise you on the best way to control your exposure to loss.

If you want to know about any regulations and procedures with regard to loss prevention and control, Neff & Associates Insurance Services Inc has agents who can help you get the advice that you’re looking for. We have been helping businesses in Pismo Beach, CA for a long time, and we can help you with the entire process. Contact our office today so we can help you get the coverage you need at a price that you can afford!

Renters Insurance: Why you need it?

It is a misconception to imagine that you will be compensated as a renter in case of any damage to your property, through your landlord’s property insurance coverage. In essence, this cover is supposed to pay for damage to the owner’s building and not your belongings. Therefore, the risk exposure for anyone without renters insurance is huge.

Protection of Personal Property

Despite the location you are currently living in as a tenant, you are prone to natural disasters and other risks including theft. Pismo Beach, CA residents can take advantage of renters insurance cover from Neff & Associates Insurance Services Inc, to guard against any loss or damage caused by these eventualities. 

The cover will cater for such perils as destruction caused by aircraft or vehicles, falling objects, riots, smoke, the weight of ice or snow, explosion, and volcanoes. It is also important to note that hurricanes, flood, and earthquakes, require a separate rider because this policy does not cover them.

Coverage for Additional Living Expenses

After suffering a loss as a result of such cases as a collapsed roof or an apartment fire, one needs to make some temporary living arrangements, as they seek an appropriate dwelling. Additional living expenses are incurred in the process, and your renter’s insurance policy will cover these, over a particular period.

Some insurance covers will only apply if you are within certain boundaries, which means you will lose compensation if you are beyond the limits set. However, the renter’s policy that Neff & Associates Insurance Services, Inc offers, covers your belongings even while traveling away from your residence. Possessions inside your car are also protected from theft and natural perils wherever you are.

When you think about the cost of replacing some of your belongings in the event of displacement, or what one needs to pay for temporary living plans at such times, it is clear that tenants in Pismo Beach, CA need renters insurance.

Am I Completely Covered With Umbrella Insurance?

Umbrella insurance is a means over covering multiple aspects of your life under one insurance plan. It can be used for either personal means or businesses and is completely customizable to your needs. If you add all of the options to your personal umbrella plan, you can have many aspects of your life covered. There are some things that are not covered by umbrella plans so you won’t ever be completely covered. You can shop around for a complete umbrella plan in Pismo Beach, CA with Neff & Associates Insurance Services Inc.

When Will I Need Umbrella Insurance?

If you get involved in an accident, there may be multiple aspects involved other than automotive damages. If your policy covers damages and medical bills for the other driver up to a certain limit, you may be on the hook for damages beyond that limit. The other party may also add in extra damages from lost wages or damage done to personal items. This is an example where umbrella insurance is useful as it can cover damages beyond the limits of your policy. Other examples may apply to your home insurance or business insurance.

What Will Not Be Covered?

Your personal belongings will not be covered under such a plan. If you have agreements in written or oral contracts, disputes from them will not b covered. Damages from criminal acts may also not be covered in many policies.

How Much Coverage Will Be Needed?

Since umbrella insurance is designed to go beyond your current insurance policy, coverage amounts between $1 million to $5 million are not unheard of.

Consider your current assets and how much is at stake in your life. If you live around Pismo Beach, CA, consider consulting with Neff & Associates Insurance Services Inc for an affordable plan.