When you’re looking to hit the water with your boat to enjoy the great outdoors, you should consider adding boat insurance or PWC (Personal WaterCraft) insurance to your vessel.  This is advisable even if you have a simple boat with the intentions of just fishing, the point of boat insurance is that you never know what will happen out there in the water.  It’s always good to be prepared and to have protection against any possible outcome.  Friant Insurance Agency in Temecula, CA specializes in boat insurance and can explain further what is legally required in the state of California.

Legalities

You’re not required by state law to carry boat insurance, but it’s highly advisable to do so to protect yourself and your loved ones financially.  California state law requires that all occupants of a boat must wear life jackets while over the open waters.  The law also requires safe boating practices including similar drinking laws that govern motor vehicle use and BAC (Blood Alcohol Content) levels.

What Does Boat Insurance Cover?

Boat Insurance covers events that damage your boat and other boats (if damaged) in the case of an accident over the water, this type of coverage is aptly called collision coverage.  Liability coverage covers damages and injuries to other parties in the case of an accident.  For instance, if your boat collides with another boat and causes damage to that boat, your liability coverage will cover the damages to fix that boat and make it seaworthy again.

Another facet of boat coverage is medical coverage and this kicks in when other parties are injured and have to seek medical attention to treat their injuries.  Their medical bills will be covered under your medical coverage in your boat insurance policy.  There are other facets as well including Comprehensive, Emergencies, On-Water Towing, Labor Charges, and others.

To Learn More

For more information about boat insurance, please contact Friant Insurance Agency in Temecula, CA today!

Motorhomes give you a fun way to travel as well as a place to live as you travel. Motorhome insurance works differently from vehicle insurance and home insurance. Essentially, it covers both a vehicle and a home all in one policy. The motorhome has a living space and a transportation section, and motorhome insurance covers each of these. If you need coverage for your motorhome, give us a call at Friant Insurance Agency in Temecula, CA.

Your Class of Motorhome

Motorhomes come in three classes, and the class that yours belongings in will largely determine the rate you pay. Class A includes the largest of these, which are often converted busses. Class B motorhomes are the smallest of them. Class C has a specific body type with a living section that fits over the cab of the vehicle portion. You will need to know the class of motorhome that you have before you get the right motorhome insurance for it. Your insurance agent can help you to figure out your class. 

Insurance for Time Used

Whether you live in the motorhome just every once in a while or all of the time, your insurance policy will need to record which of those it is. It may go out on weekends only, a few times a year or you may live in it full time. Insurance for full-timers will be higher priced than policies for those who use it every once in a while. The make of the motorhome and how old it also figures into the end price of the policy. 

Get Your Motorhome Insurance Policy

If you have a motorhome and it isn’t yet insured, please call us at Friant Insurance Agency in Temecula, CA to find out more about these policies and to get started with one of your own. 

Rv owners, just like car owners, bump into all manner of unexpected eventualities on the road. With that in mind, it’s imperative to pursue the various RV coverage options you have in Temecula CA, to ensure that your RV is protected.RV vehicles are trendy in the US. Statistics reveal that approximately 11 million households spend at least three weeks in an RV annually. Nevertheless, an RV is an expensive investment that warrants protection from damage, theft, and other risks in Temecula, CA. Please contact our agents at Friant Insurance Agency serving Temecula CA, and the surrounding community. Our team will provide you with the necessary information you need to make an informed decision.

Benefits of RV insurance

In today’s society we live in, stability comes in many dimensions. As a result, many Temecula, Ca residents are converting RVs into formidable housing units. Are you planning to enjoy your extended vacation or attend a family get-together in your motorhome in the countryside? Worry not because RV insurance will eliminate all risks while traveling. It harbors the following benefits:

Protecting your personal belongings

Buying an RV in Temecula, CA is a massive investment, just like procuring your home. However, with magnificent RV insurance, you can protect your personal property like clothing and sporting gear contained in your motorhome while traveling. This package includes basic coverage for crucial features like toilets or refrigerators.

Liability protection

Irrespective of being a seasoned and experienced RV driver, mishaps can still occur on the road. And when you are legally culpable after an accident by propagating physical injuries and property damage, that may attract heavy financial burdens from third parties. Even exorbitant lawsuits can emanate from third parties. Luckily, if you have liability insurance on your RV, it kicks in and averts you from paying out-of-pocket to settle outstanding expenses after an accident.

Asset protection

RVs are very costly to purchase and sometimes cost as much as your apartment. Therefore, this massive investment requires prolific security to cushion it. Purchasing comprehensive and collision coverages for your RV either repairs or replaces your camp trailer after being physically damaged by various calamities.

RVs are fascinating vehicles for exploring the breathtaking sceneries of the countryside at the comfort of your home. Therefore, it requires protection while on the road. Please call or visit us at Friant Insurance Agency and get outstanding RV insurance that matches your budget and lifestyle.

Living in Temecula, CA gives you many opportunities to enjoy the beautiful weather on a motorcycle. Friant Insurance Agency knows how great riding in California can be, but even the safest motorcycle riders can get into serious accidents. When your bike becomes damaged, you want to know if its repairs will be covered. Collision coverage helps cover the damage.

When you are in a motorcycle accident, motorcycle collision coverage can help you out of a tough spot. Here’s what you need to know.

Motorcycle Collision Coverage Is Not Required

In California, all vehicles must have liability insurance. This includes motorcycles. California requires all drivers to have liability coverage for accidents up to $15,000 for injuries to one person and $30,000 for injuries to multiple people. Additionally, the state requires $5,000 for damage to property.

As you can see, collision coverage is not required, but buying this kind of policy is still a good idea. If you are at fault for an accident, your standard policy may not cover bike repairs or replacement. Collision coverage ensures you are not left without repair options.

Motorcycle Collision Policies Cover Your Bike

When you buy collision coverage, the policy covers repairs to your own bike after an accident, even if you are considered the faulty party. Whether you collide with another vehicle or an object, like a guard rail or a tree, your damage may be covered.

Are you looking for motorcycle collision coverage? If you ride in Temecula, CA, it may be wise to look into your policy options. Check out Friant Insurance Agency to see what policies are available for your bike.

Friant Insurance Agency offers coverage to the Temecula, CA community, as well as the surrounding areas. We strive to provide our clients with excellent customer service. We are an independent agency. We offer a wide variety of flexible policies designed to meet our client’s needs in any situation.

How Umbrella Insurance Impacts California Restaurant Owners

Accidents can happen at any time. It’s important to have a backup plan in the event of an emergency. Consider the benefits of umbrella insurance. Umbrella insurance covers you if you are involved in a serious liability dispute. Without that extra layer of protection, you could possibly lose your assets. This is especially true if you are a Temecula, CA restaurant owner.

Operating a restaurant comes with a lot of risks. Imagine if one of your customers slips on a wet spot and injures their ankle. Perhaps you accidentally serve your customer’s contaminated food and many of them become ill. You are liable in these situations. If you serve alcohol, you are technically responsible for the actions of others. Perhaps you serve one of your customers an extra drink they didn’t need and they cause property damage or injure someone. You are responsible if the injured party takes legal action. If you don’t have enough protection in place, you could lose everything handling these allegations. Umbrella insurance provides the extra coverage to help keep your business afloat.

Another common issue in the restaurant industry is workplace disputes. Perhaps your business faces allegations of harassment and discrimination. Umbrella insurance can help protect your business as you go through the process.

Friant Insurance Agency Can Help You Protect Your Assets

Visit our website to learn more information about umbrella insurance.

Friant Insurance Agency offers coverage to the Temecula, CA community, as well as the surrounding areas. We strive to provide our clients with excellent customer service. We are an independent agency. We offer a wide variety of flexible policies designed to meet our client’s needs in any situation.

How Umbrella Insurance Impacts California Restaurant Owners

Accidents can happen at any time. It’s important to have a backup plan in the event of an emergency. Consider the benefits of umbrella insurance. Umbrella insurance covers you if you are involved in a serious liability dispute. Without that extra layer of protection, you could possibly lose your assets. This is especially true if you are a Temecula, CA restaurant owner.

Operating a restaurant comes with a lot of risks. Imagine if one of your customers slips on a wet spot and injures their ankle. Perhaps you accidentally serve your customer’s contaminated food and many of them become ill. You are liable in these situations. If you serve alcohol, you are technically responsible for the actions of others. Perhaps you serve one of your customers an extra drink they didn’t need and they cause property damage or injure someone. You are responsible if the injured party takes legal action. If you don’t have enough protection in place, you could lose everything handling these allegations. Umbrella insurance provides the extra coverage to help keep your business afloat.

Another common issue in the restaurant industry is workplace disputes. Perhaps your business faces allegations of harassment and discrimination. Umbrella insurance can help protect your business as you go through the process.

Friant Insurance Agency Can Help You Protect Your Assets

Visit our website to learn more information about umbrella insurance.

When you move to a new house, sometimes, the realty agent tells you that your property requires flood insurance. Other times, they do not. The government regularly updates its flood maps, so your property might fall into a flood zone in a future update while it currently does not. Temecula, CA’s Friant Insurance Agency wants to help you understand how to stay on top of this and determine if your property requires flood insurance.

It is your job to determine whether a property qualifies as a flood zone property or not. Your easiest method to do this is to check the map at the Flood Smart site to learn your flood zone.

While every property appears on the map, not every property falls into a flood zone that requires flood insurance. The zones marked with a letter A or V on the Federal Emergency Management Agency (FEMA) maps indicate a high-risk flood area. This is the area with the highest risk of flooding. As long as you own a federally backed mortgage, you must purchase flood insurance for these areas.

The areas marked with a letter B, C, or X indicate a moderate or low risk of flooding. While these areas have some chance of flooding, the risk reduces to a one in three chance of needing to file a flood insurance claim. These property owners have the option of carrying a lower-cost flood policy called a Preferred Risk Policy (PRP).

Contact Friant Insurance Agency, serving Temecula, CA and its surrounding areas for more information on flood insurance. We can help you choose the right policy for your needs and protect your financial investment in your home and property.

Every condo needs to be covered by enough condo insurance to protect it and everything in it. There are several types of protection that you get from condo insurance, and each type is important. If you need insurance for your condo, contact us at Friant Insurance Agency in Temecula, CA.

Dwelling Coverage

When people think of condo insurance, they probably think about the part of the insurance that pertains to the dwelling itself. With condos, this can get a little complicated. The amount of the building that you own is the only part that you insure. This can be from the inside part of the outside walls, or it may include what is between the outside wall and the inside wall. Your condo contract will often determine which portions you get insured. 

Possessions Insurance

Along with your coverage for the dwelling comes coverage for all of the possessions that you have in it. This coverage is extremely useful after a disaster or calamity in which your belongings get badly damaged or destroyed. If this should happen, this coverage will help you to replace the items that you lost. To make things easier, you can film or photograph all of your possessions after you move in so that you can prove you had them in the condo after a disaster happens. 

Moving 

If something terrible does happen and your condo is badly damaged, you won’t be able to stay there. It will be uninhabitable, and you will have to find somewhere else to I’ve while it is being fixed. Condo insurance also has coverage for this possibility. It pays for you to move to somewhere that’s in better condition and will pay for your living expenses there. 

Your Condo Coverage

If you have a condo that needs insurance, call us at Friant Insurance Agency in Temecula, CA. 

As a resident of Temecula, CA, one of the best investments you can have is a boat. Besides the many lakes in the region, the ocean is just miles away. However, Friant Insurance Agency recommends that you should have the necessary boat insurance to protect your boat against liabilities and repair issues. 

Boat Insurance and Sinking

Boat insurance is one of the most comprehensive insurance policies that help in covering very many liabilities. However, there have always been some major questions regarding boat sinking and insurance coverage.

Most of the insurance companies cover boat sinking. However, it is not a straightforward process. You must make sure that the actual cause of the boat sinking is covered by the insurance policy. If all the conditions are met, your insurance company will reimburse you with a new boat.

However, some exclusions may prevent the insurance company from covering your boat after sinking. 

Geographic Exclusions

Insurance companies will only cover your boat if you’re within a specific cruising range. In this case, you must be within the waters of the United States. If you go beyond the recognized range, you must make sure you have a special type of insurance to cater to your boat accident. 

Acts of War or Terrorism

Seas are considered dangerous premises by most insurance companies. Therefore, any incident that may be interpreted as terrorism will not be covered. Also, you must make sure that your boat is not cruising in war zones as it will not be covered. 

Work with Boat Insurance Professionals

If you live in Temecula, CA, make sure you work with boat insurance professionals like Friant Insurance Agency. We will help you understand all the conditions that will help you get reimbursed when your boat sinks. Visit our offices today for more information on boat sinking coverage.

When you are a resident in the Temecula, CA area, there are going to be a lot of different housing options to choose from. A good housing option to consider is to rent a home instead of buying. While there certainly are advantages that come with owning a home, renting is also a good option for many people. Along with renting, you should also get a renters insurance plan. There are several reasons why you should get this coverage here.

Insurance Gives Important Protection

A key reason that anyone in California should get a renters insurance plan is that it offers some very valuable protection. When you are going to rent a home, you are going to be bringing your personal assets that will be covered by the renter’s insurance plan. Additionally, this coverage provides you with some personal liability insurance protection that will be helpful if an accident occurs in your home.

Insurance is Often Required

You should also get a renters insurance plan to ensure that you are in compliance with lease requirements. A landlord in many situations will provide a lease that has specific insurance requirements. Normally, this will require that you maintain a full renters insurance plan throughout the term of your lease. They likely will require you to provide verification of this insurance from time to time. 

As you are looking for a new renters insurance plan when you are in the Temecula, CA area, it would be a good idea for you to call the team with the Friant Insurance Agency. The insurance professionals that work with the Friant Insurance Agency can give you great insight into your different insurance options. This will make it easier for you to choose a plan that is ideal for your situation.