Four Tips to Get the Right Motorcycle Insurance

If you ride a motorcycle in the Temecula, CA area you already know that risks are involved. Fortunately, whether you have the right insurance policy doesn’t have to be one of them. When you work with Friant Insurance Agency, you can feel confident that you have the right policy and coverage level for your needs. Here are four tips to get the best motorcycle insurance for you.

1. Talk to an Agent

Working with an agent is extremely important when looking for insurance. An agent can help explain any policy differences, answer your questions, and make choosing what’s best in your situation easier.

2. Compare the Coverage Options

Several insurers handle insurance for motorcycles, and the goal is for you to get a policy from the one that meets your needs in the best possible way. With that in mind, you want to compare what several companies offer instead of just picking one.

3. Review Your Policy Yearly

It’s a good idea to review your policy with your agent every year. If you have changes in your household, you may need to review more often or make changes at that time, but a yearly review usually works.

4. Protect Yourself More Fully

Since riding a motorcycle comes with some risks, ensure you’re getting a policy that will provide you with strong coverage and protection. That can reduce your risks and help you feel more secure when riding.

If you’re looking for a motorcycle insurance policy in the Temecula, CA area, contact us today at Friant Insurance Agency. Our dedicated agents can help you get the support and information you need to choose the right policy. Then, you can ride with peace of mind for the future.

What Does Umbrella Insurance Actually Cover?

You might have heard of the term "umbrella insurance," but what does it mean, and what does it cover? This type of insurance is particular and essential for business owners, no matter what company you run. Here’s what to know and how to get quality umbrella insurance in Temecula, CA. 

Umbrella Coverage Pays When Your Other Policies Are Maxed Out 

If you lose a claim filed against you and a judge orders you to pay more than your insurance policy covers, umbrella coverage picks up the rest. This prevents you from liquidating business or even personal assets and savings to make up the difference yourself. 

What’s Included?

Umbrella insurance includes coverage for multiple different types of claims, such as: 

  • Property damage claims. These claims are made against you for damage you or your business does to someone else’s or another business’s property. For example, if a company truck your business owns caused a major accident resulting in a $100,000 claim, and your auto insurance company only pays $50,000, then an umbrella policy would cover the other $50,000. 
  • Personal injury claims. These are claims against you for injuries on your property that you were found liable for. This coverage includes defamation and libel claims, invasion of privacy, and other negligence claims. 
  • Bodily injury claims. These often go along with personal injury claims and include coverage for the medical and funeral costs and other expenses related to an accident your business was determined to be at fault for.  

If you’re looking for quality umbrella insurance in Temecula, CA, contact the knowledgeable agents at Friant Insurance Agency today for service in your area. Call now at (800) 486-5108.

Flood Insurance vs. Homeowners Insurance: Knowing the Difference

If you live in Temecula, CA, you may wonder about the difference between flood and homeowners insurance. While both cover your property and your belongings, they are different. Friant Insurance Agency explains the basics of flood insurance and homeowners insurance.

Homeowners insurance covers your home, your personal property, and your liability. It protects you from financial loss or damage in natural disasters, theft, or accidents. Homeowners insurance typically includes four types of coverage: property damage, personal property, liability, and additional living expenses. Property damage covers the physical structure of your home, while personal property covers your belongings. Liability covers your legal responsibility for any injuries or damages on your property. Additional living expenses cover the costs of temporary housing and living expenses.

Flood insurance, on the other hand, is a type of insurance that covers your property and your belongings in the event of a flood. Floods are not covered by homeowners insurance, which means that if you live in a high-risk flood zone, you may need both types of insurance. Flood insurance covers damage caused by rising water, waves, currents, mudflows, landslides, and other natural disasters.

When choosing between flood insurance and homeowners insurance, it’s essential to consider your location, property type, and budget. If you live in a high-risk flood zone, you may be legally required to have flood insurance. If your property is in a low-risk flood zone, you may still want to consider buying flood insurance, as floods can occur anywhere.

If you live in Temecula, CA, you may need both types of insurance, as the area is prone to floods, wildfires, and earthquakes. Protect your home, family, and peace of mind by choosing the right insurance coverage today. Call Friant Insurance Agency today.

Types of coverage provided by condo insurance

California is not the easiest place to break into the property market. Condos are one of the ways that it is possible. It will still be a significant investment, and ensuring it is covered with the right condo insurance is necessary. At the Friant Insurance Agency in Temecula, CA, we help our customers get the insurance they need, including condo insurance.  

Condo insurance is different from home insurance. The main difference is that the condo association is responsible for the roof, exterior of your unit, and common areas. Not all condo association master policies are the same. It would be best to read your policy to know where their coverage ends and yours begins. 

Property coverage

Where your property coverage begins is where the master policy ends, and that is either at the outside walls or the inside wall. What you need to cover depends on the master policy. If you are responsible for walls-in, you need to have enough insurance to cover your unit’s kitchen cabinets, built-in appliances, bathroom fixtures, and other fixtures. 

Content coverage

The content coverage helps to replace your personal items in the unit. This includes electronics, clothes, furniture, decor, portable appliances, and, to a small extent, jewelry. 

Liability coverage

If someone is injured inside your condo unit or by a family member, your liability coverage will help pay for a judgment against you and legal fees. The condo master policy covers the common areas and the parking lots. 

Loss of use

If your condo is damaged and you can’t live there, this coverage helps pay for a place to stay. 

In Temecula, CA, contact our team at Friant Insurance Agency for all your condo insurance needs. 

How can a home insurance plan in Temecula benefit me?

If you live in the Temecula, CA area, you’ll find it is an excellent place to live and purchase a home. While there are benefits to purchasing a home here, you do need to ensure that you get the right insurance for it. A proper home insurance policy will benefit you in various ways. 

Reduce Liability Risks

Liability risk is something that all people in the Temecula area should take seriously. If you are a property owner, there is a chance you could be found liable for an accident that occurs on your property. When you maintain the proper insurance, you will have the support to cover such claims. 

Protect Assets

When buying a home, you will be making a significant investment and purchase. You also will have personal items that you bring into the house that will come with additional costs. The best way to protect your home and personal items is by getting insurance. A home insurance policy will benefit and protect you in various ways. 

Comply with Requirements

Additionally, you will enjoy having a home insurance plan as it can ensure you comply with your requirements. You may take out a mortgage or live in a home association when you purchase a home. In either situation, you will be required to carry home insurance. 

Anyone in Temecula, CA, will want to know that they are appropriately insured. When looking for coverage in this region, call our professionals at Friant Insurance Agency. When you call our team with Friant Insurance Agency, you can learn much about this type of insurance. We will also give you the support you need to build a new plan for your situation. 

I only use my boat once a year. Is boat insurance worth the expense for me?

California boat owners aren’t required to carry boat insurance. However, there may be other reasons why boat owners may need to invest in boat insurance aside from state laws. Regardless of the frequency of use, you may still be required to purchase boat insurance to use your boat in certain places or at all. Our team at Friant Insurance Agency is dedicated to educating Temecula, CA residents on all the benefits of boat insurance.

What is Boat Insurance?

In short, boat insurance provides financial and legal protection from damage or personal injuries you may cause to others while boating. Boat insurance can also cover damage your boat may incur in an accident. Watercraft/boat insurance is similar to car insurance in providing coverage and protection from liability claims, property damage, and damage to your boat due to an accident. Boat insurance will pay for the repair and replacement of your boat. This coverage is provided for boats both on and off the land. 

I only use my boat once a year. Is boat insurance worth the expense for me?

Even though you may use your boat infrequently or not very much, you may still be required to carry boat insurance. If you have a boat loan, your lender will likely require you to carry boat insurance. Also, many marinas require boat owners to have insurance to store or dock their boats. Boat insurance protects marina owners and other boaters who may incur property damage or personal injury. If you have questions about boat insurance, call us. We can help. We’d be happy to explore your options and answer all of your questions. 

What Does Boat Insurance Cover?

If you recently purchased a boat, you are probably looking forward to getting it out on the water, but before you do, you need to ensure you have proper insurance coverage in place. This also applies to jet skis or other watercraft you may want to protect with an adequate insurance policy.

The boat insurance agents at the Friant Insurance Agency, serving the Temecula, CA area, want you to understand that although boat insurance is not required in California, it is a great idea to have it anyway. Not only will it protect the investment you made in your vote if something terrible happens, but many marinas may require insurance that you may want to use to store your boat or use their other facilities.

Listed below are the different options you can choose from regarding boat insurance coverage.

Liability Boat and Watercraft Insurance

Liability boat insurance is critical since it will help you pay for any damage you cause to someone else’s boat or injuries that others may incur if an accident is deemed your fault. This liability insurance will also extend to passengers on your boat and the other person’s boat or other watercraft.

Comprehensive and Collision Insurance

If you borrowed the money for your boat and still owe a lender, you are more likely required to have both comprehensive and collision insurance. This is because these two types of insurance will protect your boat and the investment you made in it as well as the investment your lender made when they loaned you the money.

Comprehensive insurance will help pay for damage to your boat or other watercraft if a fire or natural disaster damages it or is vandalized. It can also help you out if your boat is stolen.

Collision insurance will help you pay for any damages to your boat and another boat if you collide or collide with a stationary object, such as a dock or deck.

Contact Friant Insurance Agency

To create a boat insurance policy that fits you and your situation well, contact the experienced agents at the Friant Insurance Agency serving the Temecula, CA area today!

Do I Need Condo Insurance in Temecula, CA?

Owning a condo can be an excellent investment. However, like all investments, you must ensure you’re protected. If you own a condo in California, you may wonder if it’s necessary to get condo insurance. Friant Insurance Agency explains why condo insurance is important and how it works. 

Is Condo Insurance Required? 

In some states, condo associations require owners to carry insurance coverage for their individual units. However, this is not the case in California. While it is not required by law in California, having an appropriate amount of coverage will protect you from financial ruin if something happens to your unit or someone else’s property while on your property. It’s always best practice to have enough coverage should any unfortunate circumstance arise while owning a home or condo.

How Much Coverage Is Enough?

The amount of coverage needed depends on several factors, such as the size and value of your unit and the number of personal belongings inside. You should also consider any other liabilities, such as pools or hot tubs, that may increase your risk factor when deciding how much coverage is right for you. An experienced insurance agent can help determine the best plan for you based on all these factors to protect you from any potential risks associated with owning a condo unit in California.  

At Friant Insurance Agency, we are committed to ensuring Temecula, CA residents have the proper condo insurance coverage! We understand how crucial home condo insurance is and want everyone in our community to feel secure. Reach out today so we can help answer any questions about protecting yourself with adequate condo insurance!

Four things your home insurance policy should cover

Homeowners must fully understand what their home insurance policies cover in Temecula, CA. Friant Insurance Agency can answer all the questions you have as a homeowner when it comes to your insurance needs and options.

A standard home insurance policy won’t cover many types of expenses, such as flood and termite damage. However, many types of damage are always covered by home insurance.

The following are four things that your home insurance policy should cover. 

Losses due to theft and vandalism

If your home is burglarized, your home insurance policy should cover the resulting expenses. Your home insurance policy should also cover repairs for any damages that result from vandalism. 

Losses due to fire damage

Experiencing a fire in your home is scary and costly. You’ll be glad to know that you can rely on any standard home insurance policy to cover repairs and expenses that result from fire damage to a property. 

Liability expenses

Home insurance always includes some liability coverage. This type of coverage will pay for costs resulting from a lawsuit filed against you due to accidents or damages to your property.

While home insurance always includes liability coverage, policies can differ significantly in terms of how much liability coverage they offer.  

Personal belongings within your home

Home insurance policies also generally always include some personal property coverage. This type of coverage will reimburse you if possessions within your home are destroyed in a fire or other type of destructive event. 

Before choosing a policy, you need to get quotes on home insurance from a few different insurance providers in Temecula, CA. Call us today for a quote on a home insurance policy from Friant Insurance Agency

Boater Safety Tips

Temecula, CA residents are not required by law to carry boat insurance. However, many marinas will compel you to carry indemnification for permission to use their resources, and most lenders will mandate coverage for the duration of time that you carry a balance. Your Friant Insurance Agency representative can give more details about the insurance benefits we offer, and below are some tips for boater safety. 

Wear a Life Jacket

The majority of drowning victims after an accident are not wearing life jackets. It’s essential to ensure crew and passengers are outfitted with life jackets that fit correctly and are appropriate to the situation. 

Stay Sober

Alcohol and boating do not mix. Boat operators who operate their vessels under the influence of alcoholic drinks are a leading cause of boating fatalities. 

Stay Abreast of the Weather

Always be aware of the atmospheric conditions before you embark, but be prepared to make a quick change of course if storm clouds form. With modern technology, you can continue to monitor the situation while on your boat. Be sure to take warnings seriously, and do not risk the lives of yourself and others. 

Take a Course in Boater Safety

Boaters with certifications in boating safety have a statistically lower chance of being in a fatal crash. Your insurance may also give you a lower rate as well. 

Follow Boating Rules

Traveling at a safe speed is a must, as is following the guidance for navigation according to the area you plan to traverse. Be aware of the hazards inherent to the region, such as rocks or shoals. 

Friant Insurance Agency is Here for You

We provide quality insurance products for boaters in Temecula, CA, and we invite you to contact us for more information. You can communicate by phone, stop by the office, or visit us on the web