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!

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. 

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.

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.

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!

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.

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.

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.