Protect Your Motorhome – Don’t Let Your Vacation Fun Suffer

Do you own a motorhome? Do you reside in Temecula, CA? Did you know that there is insurance to protect your motorhome? Let the insurance professionals at Friant Insurance Agency answer any questions you may have.

While options vary from state to state, you may want to consider taking out a comprehensive insurance policy. Coverage may include:

  • Lawsuits arising from accidents
  • Liability for injuries occurring to a visitor
  • Storm damage
  • Theft
  • Vandalism

Premiums are based on various factors. But the average yearly premium for a motorhome is $1000 to $1300, based on 140 days of usage annually. The premium amount will be higher if you live full-time in your motorhome.

Motorhome insurance protects your vehicle if damaged in a collision. You can get protection for personal possessions inside it, liability coverage while on the road, and when it is parked. You can purchase medical payment coverage for any medical bills for you and your passengers, plus emergency expense coverage and roadside assistance.

  • Liability coverage is required by law. It pays for injuries or damage for which you are at fault.
  • Comprehensive coverage is for events that occur beyond your control, such as theft, fire, glass breakage, vandalism, weather events, and collisions with animals.
  • Collision coverage will replace or repair your vehicle if damaged in an accident with another car or object. A deductible applies to both collision and comprehensive coverage.

Don’t risk your summer fun. Make sure your motorhome is insured in the event of a mishap on the road. The premium cost is worth the added peace of mind you will get when you have the necessary protection an insurance policy provides.

Friant Insurance Agency can provide you with a no-obligation quote or answer any questions you may have. Contact them today. You will be glad you did.

How Does RV Insurance Work?

When you have an RV, also known as a recreational vehicle, the policy has to be tailored to your specific RV. The way you use the RV and the type of RV you have both plays into your policy and its price. If you enjoy using your RV, it can be a great place to vacation and travel. Make sure it’s covered with an RV insurance policy at all times, even if you rarely use it. Call us today at Friant Insurance Agency in Temecula, CA to get your policy.

How You Use Your RV

The coverage you get for your RV shares a lot in common with auto insurance, but it also has a number of differences. One of these is that the policy considers how often you use your RV. Some people always live in their RV, using it as their main home. Other people use it regularly but have a separate house that they live in. Still, other RV owners use theirs only occasionally when it’s time for travel or a vacation. The policy you get will use the frequency of use as a factor in the price. 

RV Classes

There are also three classes of RVs that factor into your insurance policy. Classes A, B, and C describe the RV’s size and specific aspects of its design. Your RV will have to be classified for the RV policy and will factor into the policy’s price. 

Never go without insurance when you own an RV. A unit that is uninsured faces many risks for both liability and damage that the vehicle gets in an accident or other incident. To ensure you’re covered, call us at Friant Insurance Agency in Temecula, CA to get your policy.

Did you know that many basic motorcycle policies don’t cover theft?

Motorcycle owners in the Temecula, CA area may have questions about insurance. Fortunately, the team at Friant Insurance Agency is here to help! We are here to answer any questions you may have; call or stop by today!

Protect your motorcycle from theft

There are several different insurance options when it comes to protecting motorcycles. Knowing how much coverage is enough and which type of policy will best meet a particular need can be confusing. Unfortunately, many basic policies do not cover theft. These policies are good for protecting health expenses and liability but offer little or no coverage when it comes to theft or vandalism.

For this reason, many motorcycle owners opt to upgrade their policy to one that provides comprehensive coverage. With this more extensive coverage, there is often protection from theft, vandalism, and property loss that is often left out of primary policy protection. Comprehensive policies will typically offer this type of coverage.

Motorcycle owners who have had their bikes for a while often realize that the policy they started no longer meets their needs. In other instances, bike owners want robust coverage from the start. Whenever an owner decides to carry a comprehensive policy, several options are available. These policies can contain higher policy limits for liability and medical expenses and sufficient collision and theft protection. 

Give us a call today!

Temecula, CA area owners can count on the team at Friant Insurance Agency. If you have any questions or concerns about protecting your bike, give us a call or stop by our office today!

Who Should Be Considering the Purchase of Umbrella Insurance?

It is common for individuals to think about umbrella insurance. Do you believe that you need umbrella insurance? Will it provide you with a benefit, or are you throwing money away by paying for the premium? These are all fair questions that residents of Temecula, CA routinely ask. You need to understand umbrella insurance, its purpose, and its intent for yourself. The team at Friant Insurance Agency is in a position to educate you to help you make such a call.

What is Umbrella Insurance?

The concept of umbrella insurance is that it is a level of insurance above and beyond what underlying liability policies will cover. For example, if you have liability insurance with a $100,000 limit and a covered loss that amounts to $200,000 in losses, you are only going to recover the first $100,000. With an umbrella insurance policy, the policy will kick in above $100,000 so that the entire loss is covered. Umbrella is a layer of insurance on top of what you already have.

Who Should Get It?

Umbrella insurance can benefit anyone living in Temecula, CA, or the state. That additional layer of insurance will provide ultimate protection in unforeseen circumstances. You never know what will creep up and result in an immense loss. Umbrella insurance plays a critical role in not having your life turned upside down.

The cost of umbrella insurance is typically below what individuals expect. Work with the Friant Insurance Agency team to make the best decision possible for yourself and your family. Umbrella insurance can be for everyone when you shop with a solid foundational knowledge base.

Do I Need to Purchase Flood Insurance if I Am Not in a High-Risk Area?

If you live in a low-lying area, near a river or creek, or in any other area prone to flooding, you are likely already aware that you need to purchase flood insurance. But what about if you don’t live in a high-risk area? Is flood insurance still something you need to consider? While it’s true that flood insurance isn’t required in all parts of the country, there are still many good reasons to consider purchasing a policy. In this blog post, we’ll look at some of the factors you should consider when deciding.

1. Flooding Can Happen Anywhere

While it’s true that some areas are more prone to flooding than others, the fact is that flooding can happen anywhere. All it takes is a heavy rainstorm or a broken dam to cause widespread flooding. Even if you don’t live in a high-risk area, your home could still be damaged by floodwaters.

2. Flooding is Costly

The damage can be extensive and expensive to repair if your home is flooded. Even if you have homeowner’s insurance, it’s unlikely that your policy will cover flood damage. This means you’ll be stuck with the repair bill, which could easily cost thousands of dollars.

3. Flood Insurance is Relatively Inexpensive

When compared to the cost of repairing flood damage, flood insurance is relatively inexpensive. A typical policy will cost a few hundred dollars per year and will give you peace of mind in knowing that your home is protected in the event of a flood.

4. You May Be Required to Purchase Flood Insurance

If you have a mortgage on your home, your lender may require you to purchase flood insurance. This is because lenders want to protect their investment in case of a flood. Even if your lender doesn’t require flood insurance, purchasing a policy is still a good idea.

While you may not be required to purchase flood insurance if you don’t live in a high-risk area, there are still many good reasons to consider it. Friant Insurance Agency can help you find the right flood insurance policy to protect your home in Temecula, CA. Contact us today for a free quote.

How To Protect Your Condo When It’s Temporarily Unoccupied

What do you do when you’re leaving a condo that you own and aren’t going to be around for an extended period? You could rent it out, but that means dealing with the hassle of finding and screening tenants and the risk that they’ll do damage to the place. You could leave everything as is and hope for the best, but that can be risky, too. If the pipes freeze and burst, the roof springs a leak, or the tenant throws a wild party and the police come, you’ll have to deal with the aftermath.

Friant Insurance Agency is here to help all Temecula, CA condo owners understand how to protect your property when you’re out of town for an extended period of time.

How To Protect A Vacant Condo

Keep up appearances. If the property appears to be vacant, it’s more enticing to criminals. Keep your security system running if you have one; even if you don’t, keep a security sign prominently displayed as a deterrent. Keep the blinds closed to prevent others from looking inside.

Reach out to your neighbors or friends. See if you can get someone you trust to occasionally check in on your condo to ensure everything is okay. Better yet, ask a member of your condo association to do this.

Consider insurance. Your condo association may have insurance covering vacant property for your unit’s structures and utilities. However, this is not a guarantee. If you’re leaving belongings inside your condo, you’re responsible for insuring them. Some insurance policies can even offer special "vacant property" coverage.

If you own a condo in Temecula, CA, reach out to Friant Insurance Agency for more information on protecting your property when you’re out of town with the condo insurance you need.

Top 5 Mistakes People Make When Buying Classic Car Insurance

When it comes to classic car insurance, there are many things that you need to keep in mind. After all, this type of coverage is designed specifically for your beloved vehicles – and the last thing you want is to make a mistake when choosing a policy. So, what are some of the top mistakes people tend to make when purchasing classic car insurance? Let’s take a look.

1. Not Understanding Eligibility Criteria

The first mistake people make is not understanding the eligibility criteria for classic car insurance. For example, you may think that any vehicle over a certain age will qualify – but that’s not necessarily the case. Classic cars usually have to be used for pleasure driving and exhibitions only to be eligible. They also can’t be your primary mode of transportation. So, it’s important to make sure you understand the criteria before you purchase a policy.

2. Not Getting Agreed Value Coverage

When insuring a classic car, it’s crucial to get agreed value coverage. This type of coverage ensures that you will be paid the full agreed-upon value of your vehicle if it is totaled or stolen. Without this coverage, you could end up being seriously underinsured.

3. Not Shopping Around

Another mistake people make is failing to shop around for the best classic car insurance policy. Like with any other type of insurance, it’s important to compare rates and coverage options before you decide. Don’t just go with the first policy you come across – take the time to shop around and find the best one for your needs.

4. Not Reading the Fine Print

Finally, another mistake people often make is not reading the fine print of their classic car insurance policy. It’s essential to understand exactly what is not covered by your policy. Otherwise, you could find yourself in a situation where you’re not as protected as you thought.

5. Lying or Omitting Information

It’s also important to be honest when applying for classic car insurance. If you try to lie or omit information, it could come back to bite you later on. Your insurer could deny your claim or even cancel your policy altogether if they find out that you’ve been less than truthful.

As a classic car owner, it’s essential to be aware of the potential mistakes you could make when purchasing insurance. Zapp Insurance Agency can help you find the perfect classic car insurance policy for your needs in Ballston Spa, NY. Contact us today to get a quote.

5 Reasons for Having Renters Insurance

When you think about renters insurance, what comes to mind? Probably not a lot. Many people view it as an unnecessary expense. However, there are several excellent reasons why everyone who rents should have renters insurance. Here are the top five.

1. It Protects Your Belongings

Your landlord’s insurance policy covers the building itself but not your personal belongings. If there is a fire or theft, you will be responsible for replacing your stuff. Renters insurance can help you replace your belongings if they are lost, stolen, or damaged.

2. It Provides Liability Protection

If you are held liable for an accident in your rental unit, renters insurance can help cover the costs. For example, if someone is injured on your property or your pet bites someone, renters insurance will help pay for the damages.

3. It Pays for Additional Living Expenses

If your rental unit is damaged by a covered event, such as a fire, you will need to find somewhere else to stay while it is being repaired. Renters insurance can help pay for your additional living expenses, such as the cost of a hotel room.

4. It’s Affordable

Renters’ insurance is typically very affordable, especially when compared to the cost of replacing your belongings or paying for damages out of pocket.

5. Your Landlord May Require It

In some cases, your landlord may require that you have renters insurance. Even if it’s not required, it’s still a good idea to have coverage in case of an accident or disaster.

As you can see, there are many good reasons to have renters insurance. It’s not just for protection against fire or theft – it can also help you with liability issues and additional living expenses. Friant Insurance Agency can help you find the right renter’s insurance policy to protect your belongings and provide liability coverage if you are a renter in Temecula, CA. Contact us today for more information.

4 Advantages of Boat Insurance

If you have reached a certain point in life, owning a boat represents an exciting lifestyle. But like investing in a vehicle, you need to protect your boat with robust insurance — overlooking boat insurance will just put you and your boat in jeopardy. But because you are wise, failing to invest in boat insurance isn’t an option for you. So, if you are in Temecula, CA and its environs, your first thought after purchasing a boat is to invest in watercraft insurance from Friant Insurance Agency. In the process, here are the benefits you get:

Property damage coverage

Suppose you hit another boat or a stationary object — wouldn’t it be heartbreaking to watch your prized investment go down the drain? For this reason, we insist you purchase boat insurance to cover your boat from such accidents.

And that’s not all. Boat insurance protects your asset even when outside the waters. Depending on your coverage, boat insurance can protect your boat when towed and parked.

Liability coverage

Even the best boaters can have an awful day. Maybe you know the nitty-gritty about boating, but that 50-knot wind blew you into the direction of another boater. Despite the circumstances, you could be held responsible for the damages and injuries you cause.

Peace of mind

A time in the water is supposed to be fun and relaxing. You don’t have to think about all the wrong things that can happen. Boat insurance lets you enjoy a worry-free time in the water, knowing that you are protected despite what happens.

Uninsured boater coverage

Like on the road, the waters are full of boaters sailing without insurance. Buy uninsured boater coverage to avoid being inconvenienced by uninsured boaters that crash on you.

If you own a boat, watercraft insurance is a no-brainer. It’s the surest way to enjoy a relaxed time on the water. Ready for coverage in Temecula, CA? Please contact Friant Insurance Agency for a personalized boat insurance policy.

Condo Insurance Add-Ons

Condo insurance is a type of residential property insurance. The folks at Friant Insurance Agency serving Temecula, CA would like you to know about the condo insurance and add-ons available to you.

 When considering condo insurance, know that your Homeowners Association (HOA) is required to maintain some insurance for the outside of the building and windows. It is worth knowing the details of those policies. If you know the details, you can purchase any condo insurance add-ons that you may need to provide financial protection against loss, damage, or liability at your residence, whether you own the condo or rent it.

When it comes to purchasing add-ons, you should consider it the same way you would buy any insurance for your residential property. What do you need financial cover for, what is the value of what you are trying to insure, and do you have liability insurance if someone is hurt on your property?

Importantly, standard condo insurance policies do not cover earthquakes and all the damage that may be associated with an earthquake. Earthquake policies are further broken down into optional coverage sections that may include:

  • Building property – for damage inside your home such as fixtures and interior walls
  • Personal property – for damage to your belongings, like TVs and appliances
  • Loss of use – very nice to have; this is a financial cover for the expenses if you have to live elsewhere due to damage to your condo due to an earthquake.
  • Loss assessment – assists with payment for damage assessments to exterior portions of the building.
  • Emergency repairs – cover for emergency repairs to prevent further damage.

Earthquakes are a reality in CA. If you need help considering which condo insurance add-ons to purchase, then speak to Friant Insurance Agency serving Temecula, CA, today!