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.

 

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.

Riding your motorcycle down the roads of Laguna Hills, CA is an invigorating feeling. However, no matter how good of a rider you are, accidents happen. You need to protect yourself in the event you get into an accident with another motorized vehicle or even by yourself. At Friant Insurance Agency, serving Laguna Hills, CA and the surrounding area, we have a few suggestions about the protective gear you should wear while riding. 

1. A Helmet

A helmet is an essential piece of protective gear to wear on a motorcycle, as noted by the Motorcycle Safety Association (MSA). The MSA documented research that analyzes 3,600 police reports regarding highway motorcycle crashes. The researchers concluded helmets save lives by preventing head injuries in the event of a crash. Helmets have no adverse effects in terms of reducing a person’s senses when on a motorcycle. In the state of California, you must wear a helmet, or you risk getting a fine. Keep in mind with helmets, you get what you pay for; therefore, it doesn’t pay to opt for a cheaper brand. You’re protecting one of the most vital components of your body–your brain, so spend the extra money and buy a DOT-approved helmet.  

2. Eye Protection

Eye protection can prevent you from getting something in your eye that could potentially cause you to get into an accident. You may want to wear a helmet that has built-in eye protection. 

3. Long Pants

Far too often, bikers forget to protect their legs and wear a regular pair of sweatpants or shorts. However, you need more than standard pants to protect your legs if you should get into an accident. Find true riding pants. You don’t have to worry about looking silly either because today’s styles for riders are much more stylish. 

4. Boots

Your ankles and legs are susceptible to injury. Wear a pair of boots that cover your ankles and part of your shins. 

Protection while riding doesn’t just consist of your gear. Get protection from Friant Insurance Agency, serving Laguna Hills, CA and the surrounding area, that covers your bike, you, other drivers, and bikers alike. Contact us today for a quote by calling 800-486-5108 or visiting our office. 

 

You’d be surprised by the reasons our Laguna Hills, CA customers find they need umbrella coverage. Simply put, an umbrella policy is a supplement to your standard home or auto insurance. It helps protect your assets when a liability claim exhausts the coverage of your basic insurance. The kinds of things you could be sued over aren’t always obvious like a personal injury! Friant Insurance Agency has put together a list of some surprising risk factors that you could need an umbrella policy to cover!

Recreational Equipment and Activities

Did you know that your home’s pool, decorative ponds, or even the kid’s trampoline are all considered liability risks? What’s more surprising is that a good deal of injuries that stem from these recreational activities might not be covered by your standard policy!

Vacant Land

If someone is injured on property you own, you could be held liable even if that property is considered vacant. Even if the person was not permitted to be on that land, was trespassing, or was a guest of someone renting the property, you could still be found at fault.

Home Renovations

Construction is exciting, but it also increases the chance of injury at home, especially during long projects. Consider an umbrella policy specifically tailored for risks during home renovation and construction!

Hosting Parties

The more people that are at your home or other properties you own, the more chance there is for something to go wrong. An umbrella policy is a good idea if you do a lot of entertaining, or plan to host major social events such as weddings. 

Social Media

Getting sued over something you said on social media is a very real risk these days. Basic insurance typically doesn’t protect your assets in cases of slander or libel, but an umbrella policy can!

There are plenty more situations where an umbrella policy can feel like your financial safety net. Friant Insurance Agency encourages all of our Laguna Hills, CA customers to contact us today to discover more surprising benefits of umbrella coverage today!

In 1968, the federal government introduced an innovative concept to the real estate and insurance marketplaces – The National Flood Insurance Program (NFIP). The NFIP was designed to mitigate a flood’s impact. 

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The National Flood Insurance Program meets their objectives by:

• Delivering reasonably priced flood insurance policies
• Encouraging communities to enforce floodplain regulations set forth by FEMA

So, how did this begin?

National Flood Insurance Act

A year before the Woodstock Festival, Congress created the National Flood Insurance Program to provide needed insurance to homeowners, renters, and business owners; provided their community participates in the National Flood Insurance Program. When participating, communities agree, they must enforce the floodplain ordinances that meet/exceed the FEMA’s standards.

Flood Insurance Rate Maps (Firms)

FEMA’s Risk Mapping, Assessment, and planning tool (MAP), identifies flood risks, flood hazards, and works in unison with communities to provide accurate risk data as guidance for future mitigation efforts and planning. Flood hazard mapping creates the database upon which the NFIP regulations are formed.

FEMA maintains flood map data throughout their proprietary database – Flood Insurance Rate Maps (FIRM). A FIRM includes statistical data gathered regarding tides, rainfall, and hydraulic analyses. 

Each Flood Insurance Rate Map (FIRM,) provides data identifying:

• Major roadways, secondary street and tertiary roads, rivers, waterfront property and mass transit, like railroads
• Special Flood Hazard Areas
• Base Flood Elevation or depths
• Flood Insurance risk zones
• Areas subject to inundation by a ‘500-year’ flood

If you live in and around the Laguna Hills, CA, contact the experienced agents at the Friant Insurance Agency. They are available to help with all of your insurance needs.

Many people believe that because they don’t own a home they do not need insurance. Contrary to what some may think, landlords are not responsible for your personal property in a disaster. The independent agents at Friant Insurance Agency service the Laguna Hills, CA area and would like you to understand that everyone who is renting a home or apartment should have renters insurance.

Renters Insurance Coverage

• Personal Property – If you suddenly had to replace your entire wardrobe, jewelry, furniture, and small appliances, you may not have that amount of money on hand. With renters insurance, your policy could allow you to replace your items at little or no cost.
• Liability – Depending on your policy limits, liability coverage can offer you security if an accident causes injury to another person resulting in damages and medical expenses.

What to Consider When Buying Renters Insurance

Everyone renting an apartment, condo, or house should consider renters insurance because your items could be replaced quickly after you pay the deductible. There are two types of replacement coverage:

• Actual Cash Value – can allow you to have “fair market value” for your property. With this type of coverage, the insurance provider takes into account the depreciation of your item. If you had a 4-year old smartphone that was stolen in a burglary, you could receive the cost of that phone minus its depreciation value.
• Replacement Cost – could give you the cost of an item that is similar to the one that you lost. Your premiums may be a little higher, but you could get an amount that could replace your item at today’s rates. For example, if you had a 5-year old gaming system, you could be compensated for one being sold now.

In the Laguna Hills, CA area, the independent agents at Friant Insurance Agency are available and waiting for your call. We can help get you get started with a renters policy that is right for your needs. Contact us or visit our offices today!