What Happens to Your RV Insurance if You Don’t Pay Your Premium?

At Friant Insurance Agency, we know many Laguna Hills, CA residents love camping in their RV campers. However, you need to make sure that you pay your insurance on time. That’s because you’ll experience serious problems if you let your policy lapse.

There is No Grace Period for Vehicle Insurance

You may be used to the idea of a “grace period” from your health insurance. At Friant Insurance Agency, we encourage all of our Laguna Hills CA area customers to pay long before their grace period is approaching. However, there is no grace period for most vehicle insurance types. The same is true of RV insurance. So if you miss one monthly payment, your policy is canceled.

You Can Experience Major Problems

If your RV insurance lapses, you can still drive it and go camping. However, you are putting yourself in serious risk. That’s because getting pulled over without RV insurance is going to be a major financial and legal problem. You’ll not only get fined for it but will be forced to pay for new insurance. In this scenario, you are going to pay a lot more to have coverage that you shouldn’t have ignored.

Getting New Coverage is Costly

In many states, getting new RV insurance after a lapse is going to be very expensive. That’s because you may be forced to get what is known as “high risk” insurance. You are considered high risk because you didn’t insure your vehicle properly. Those type of coverage is always more expensive than other types and may be more difficult to afford than the policy you let lapse.

Don’t Let This Happen to You

So if you live in Laguna Hills, CA and have a high-quality recreational vehicle, make sure that you keep your policy current. Contact us at Friant Insurance Agency if you have any questions about this process or otherwise need help choosing a policy that is right for your needs.

How to Be a Smart Motorcycle Owner

Operating a motorcycle is a lot different than driving a car or truck. This is why motorcycle drivers have to go through a different form of testing to get their motorcycle operator’s license. In addition to having to take a different type of operator’s test, there are several other things a motorcycle owner should do to optimize his or her safety. Here at the Friant Insurance Agency, we’d like to share a few tips with you regarding how to be a smart motorcycle owner in Laguna Hills, CA.

Always Wear Protective Gear

Even on a hot and humid day, it’s not uncommon to see motorcycle drivers and passengers wearing long sleeve clothing, pants, and boots. With it so hot outside, why would they dress like it’s winter? This type of protective gear helps protect their skin if they were to crash. You should always ensure you have on appropriate clothing before taking off on your motorcycle. 

Invest in Insurance

In addition to protecting yourself with the right clothing, you need to make sure you are protected with motorcycle insurance. This type of insurance is of extreme benefit if you were to become injured during an accident and the at-fault party doesn’t have proper insurance coverage to cover your medical expenses. An insurance policy also helps ensure you comply with state insurance laws, which could potentially be the difference between spending a night behind bars and being able to go home if you’ve been pulled over for a traffic violation.

Never Drink and Drive

When it comes to a motorcycle, not only do you not want to drink and drive, but you also don’t want to drink and ride. Because you have to hold on to the driver when riding as a passenger, if you are drinking and impaired, it’s best to get a ride in a car with a sober driver rather than on a motorcycle.

To learn more about the different ways to be a smart motorcycle owner, contact the Friant Insurance Agency today serving the Laguna Hills, CA area.

What is umbrella insurance?

Your valuables in your Laguna Hills, CA home or apartment may not be completely covered by renter’s or homeowner’s insurance. Sometimes there are policy limits that prevent an indemnity company from giving you the full price for items lost or damaged in an unforeseeable event such as a burglary or flooding caused by a broken pipe. You do well to fully protect yourself with an umbrella insurance policy. A member of the Friant Insurance Agency can help you understand what such a policy is and how it can help your situation. 

What is umbrella insurance?

Quite simply, umbrella insurance is the extra coverage that you need to fully recover the value of items lost during a claim-worthy event. A burglar who steals your mother’s pearls worth $1.5 million has done you a great injustice if you do not have the additional coverage of an umbrella policy to supplement the amount not covered by your standard homeowner’s policy. Not only has the thief stolen a precious commodity but he has also robbed you twice by forcing you to accept a payout that is less than fair from your indemnity provider. Umbrella insurance is designed so that you do not have to experience the pain of losing several times over. 

How does the plan work for renters?

Umbrella insurance is one of those perks that is not exclusive to homeowners. You can get a policy to go along with your standard renter’s indemnity plan so that you do not have to worry about buying a new laptop when the neighbor’s bathroom flooding leads to water invading your premises and ruining everything in its path.

Your personal and building property in Laguna Hills, CA deserves complete care and protection. Call the professionals at Friant Insurance Agency today to discover the possibilities of umbrella insurance!

What are Flood Plains and Flood Zones?

A floodplain is the level part of the land that is next to a stream or a river. The Federal Emergency Management Agency (FEMA) defined all the areas in the United States into specific geographic sections that are identified by the potential risk of floods.

Each city or town that has any potential flood risk will have a Flood Hazard Boundary Map or a Flood Insurance Rate Map (FIRM) that shows all the areas with their estimated risk of flooding. The risks of floods are calibrated from historical records. They are delineated as 100-year flood zones and 500-year flood zones. 100-year flood zones have a 1% chance of having a flood within a 100-year period. 500-year flood zones have a 1% chance of having a flood within a 100-year period.

The FIRM is used in conjunction with the Nation Flood Insurance Program (NFIP). The U.S. government requires flood insurance for any homes located in a designated flood zone that has a mortgage supported by federal funds or guaranteed by federal entities.

How do you find out if a home is in a designated flood zone?

The way to determine if a home is in a designated flood zone is to review the FEMA maps at msc.fema.gov. If you do not want to have to do that, you can consult with your insurance agent at Friant Insurance Agency in Laguna Hills, CA and the agent can look it up for you. If you are considering buying a home, this is an important thing to check.

Do you need flood insurance even if it is not required?

Even if flood insurance is not required, it may still be a wise decision to have it, especially if the home is near a flood zone but not in it. Weather patterns are changing, and previously safe areas may no longer be as safe.

Ask your agent at Friant Insurance Agency, serving Laguna Hills, CA and the surrounding area, for a flood insurance quote and have your questions answered.

Why Do I Need Condo Insurance?

A condo in Laguna Hills, CA can be a lovely home or a wonderful investment property. The view of the ocean and the proximity to all the water has drawn people to the area for hundreds of years. You need condo insurance to protect yourself from financial loss. A condo is an investment and insurance safeguards the physical property. Insurance obtained through a reliable and experienced provider like Friant Insurance Agency also protects you from loss of contents like appliances, furniture, and personal items.

Special Reasons for Condo Policies

  • The state of California is subject to earthquakes. The California Earthquake Authority has developed specific insurance policies for condominiums. These policies provide particular protection that helps you recover from earthquake damage. A minor earthquake can cause structural damage that reduces the value of your investment.
  • Many condo owners in Laguna Hills, CA think that their home owner’s association provides them with some insurance protection. The fact is that any insurance that a home owner’s association has protects the owner of the building first. Condo insurance gives you peace of mind.
  • You may even owe the building and the association a huge amount of money if you have leaky pipes that damage another unit or a common area. This is another reason why you need condo insurance that for yourself.
  • A condo on or near the beach is a legacy that you can pass on to generations to come in your family. A condo can be an extra source of income during your working life that pays for itself. You can keep your legacy and your retirement home safe and secure with condo insurance.

Contact Friant Insurance Agency about the right insurance for your condo. Experienced agents from our independent insurance firm can offer you a selection of condo insurance plans from the nation’s most highly respected insurers. Reach out to our agents for a quote.

 

Can You Bundle Home Insurance?

Having the right insurance policies in place is the only way to make sure you are going to be covered should something happen and in many cases, you need to have more than one type of policy to insure that your property is covered. For those that have a home, a car, and other policies, bundling may be a great way to make insurance easier and to cut costs. For those in the Laguna Hills, CA area, the agents with Friant Insurance Agency can help you find the bundle that works for you. Home insurance coverage does not have to be difficult.

You can bundle just about any type of policy given that your insurance agency allows. Most insurance agencies are going to give customers a break if they bundle or hold all their policies with the same agency. This does a few things. For starters, it gets the insurance agency more business which is their ultimate goal. It also simplifies the insurance process for the customer by making it possible to pay all their premiums in one payment and allows an easier process when it comes to calling on the insurance policy to cover their needs. If you have all your policies in one place, it is far simpler to file a claim or multiple claims in the event that something happens and you need to use your insurance coverage.

For those in the Laguna Hills, CA area, the agents with Friant Insurance Agency can help you determine if your insurance company offers bundled deals. Reach out to our agents to get more information on a home insurance policy and try our online rating tool to get a quote.

Lacking Renters Insurance? 5 Things You Need To Know

Did you know that approximately 59% of renters don’t have renters insurance? On the contrary, 95% of homeowners have home insurance coverage according to a study conducted by the Insurance Information Institute. Friant Insurance Agency works with Laguna Hills, CA residents to ensure that renters don’t fall victim to damages for lacking insurance. 

If you don’t have renters insurance in California, here are a few things you must know: 

Personal property is not covered by landlord’s policy 

Landlords carry policies that only include the building structure. Once a tenant moves in, they change the homeowner’s policy to a rental policy transferring covering personal property responsibility to you. If your contents burn down, don’t expect your landlord’s coverage to reimburse you.

Renters insurance may extend beyond personal property 

When buying renters insurance, you realize that it may cover more than your belongings. In most cases, it will safeguard you from lawsuits and medical bills in case of a liable accident. For instance, if you forget to unplug your bathtub and it overflows causing damages in the next apartment. 

Renters Insurance is affordable 

Even though affordability is relative, it cannot be compared to the costs of replacing your personal property in case of an incident. What is the value of all your assets in a rented apartment? Is it lower than your renter’s insurance coverage?

Standard renters’ coverage doesn’t include luxury items 

If you have expensive jewelry or other high-end products, you need to discuss them with your insurance provider. Most insurance companies don’t get coverage for such things in the standard policy but rather in a specially customized one.

Includes borrowed Items 

According to the Insurance Information Institute, renter’s policies protect things “in your possession.” That implies properties you own, rented and borrowed are covered as long as they are in your possession. You should seek clarification from your provider.

If you are looking for renters insurance in Laguna Hills, CA, get in touch with Friant Insurance Agency. Our agents an work with you to get you a quote and get you started with a policy.

Reasons to Have Boat Insurance

In the Laguna Hills, CA area, it is not uncommon for people to own a boat. If you are one of those people who currently own a boat, then it is time to consider getting boat insurance. Here at Friant Insurance Agency, we believe that not only should you have insurance but it is something that you should keep all year long. These are just a few reasons why you should have boat insurance. 

  • It can help pay for the damage – Even though you may do everything you can do to keep your boat in pristine condition, things can still happen to it that you will need to repair. If you do not have boat insurance, then you will need to pay for these costs out of your own pocket. With boat insurance, you can get help with the repairs and will only have to pay a deductible. 
  • It provides liability coverage if someone is injured on your boat – Another thing to watch out for is if someone were to get injured while on your boat. If this happens, then they can actually turn around and sue you for negligence or something else. You may end up having to pay for those medical bills out of pocket or maybe even more. With the right boat insurance policy, you have liability protection to help protect you from this costly possibility. 

As you can see, there are many reasons and benefits to having boat insurance for your vessel. If you would like to get a free quote or learn more about your options, be sure to contact us here at Friant Insurance Agency, serving Laguna Hills, CA, today. We can help you find the right policy as well as make sure it fits within your budget. 

Why Do You Need Motorhome Insurance

Owning a motorhome can be very thrilling as you enjoy the excitement of the open road in front of you and the freedom to go wherever you want, whenever you want. However, owning a motorhome is a substantial financial commitment. As such, you need the proper motorhome insurance to protect your interest. For the residents of Laguna Hills, CA, Friant Insurance Agency is always available to handle your motorhome insurance needs.

The Necessity of Motorhome Insurance

As unlikely as this may sound, some people with motorhomes never insure their investment. Such an endeavor is risky to your health and your finances as, without the proper coverage, you could end up spending a lot of money you don’t have to fix damages.

This is why it is necessary to have the right motorhome insurance coverage. Purchasing an average policy just won’t cut it, unfortunately. You also need to find a policy that fully covers your needs and belongings. Apart from making sure your coverage is the best available for your needs, you also need to make sure that you get it for the best price possible.

What to Consider

Before you set out to get motorhome insurance, you need to consider a couple of things. The first is where you plan to use the motorhome. Is it within the state, cross country, or are you traveling abroad with it? Make sure you get motorhome insurance that covers all the places you plan to visit.

The second thing worth considering is who will be driving. If you are the sole driver, the insurance will be cheaper than when you list your family members as drivers. Your plan also needs to be able to cover the motorhome if you intend to lend or rent it out to family, friends, or strangers.

Before you sign off on any policy, make sure that you’ve received all the information you need and that you understand everything that is covered by the policy. If you’re looking for a reputable insurance agency in Laguna Hills, CA, then you can contact Friant Insurance Agency for more details and information.

 

RV Insurance Facts

If you are planning to buy a Recreational Vehicle (RV) in the Laguna Hills, CA area, you may not be clear on how RV insurance coverage may be different from other types of insurance. An RV can include camper vans, bus conversions, and a range of motorhomes. We at Friant Insurance Agency want you to understand RV insurance. Here are the basic facts:

  • RV’s fall into different classes – A, B, or C, and the class of RV will play a role in your RV insurance coverage. Class relates to the RV size, with A being the largest model, B the smallest, and C includes fifth wheels and other alternative campers.
  • RV insurance coverage will depend on the class, the amount of use, if it’s a full-time residence, and more.
  • Coverage is much like auto insurance – including collision, comprehensive coverage, and liability. Additional coverage can include protection for personal belongings, equipment, attached accessories like awnings or satellite dishes. It may provide total loss replacement, campsite and vacation coverage, emergency expenses, uninsured, underinsured, and full-time residence coverage needs.
  • RV insurance protects you from financial losses in the event you are found at fault in an accident, and it can limit the amount of out of pocket expense you pay for with a roadside breakdown. It can also help you if you collide with another driver that is underinsured or uninsured.  It can also compensate you if the RV is stolen or damaged.
  • Like other vehicles and trailers, RV insurance is required in every state.  How much you need beyond the minimum required liability can vary depending on your unique situation.

Friant Insurance Agency

We provide insurance to those in the Laguna Hills, CA area and beyond. Contact a professional and friendly Friant insurance agent today to discuss your RV insurance needs.