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. 

In the Temecula, CA area, there is great weather for most of the year. If you want to enjoy Temecula as much as possible, getting a boat is a good idea. Those that have a boat can enjoy a variety of local waterways for most of the year. Along with your boat purchase, you also need to spend time thinking about your insurance needs. You will need to have a boat insurance plan for a few reasons.

Insurance Protects Boat

A reason that you will need to have a boat insurance plan is that it will help to protect your boat. A boat purchase is always a big investment that you will want to enjoy for a long time. With a boat insurance plan, the coverage will help to ensure you can enjoy it well into the future as it will cover a variety of situations that would result in a loss including theft or accident damage.

Insurance is Required

Boat owners should also get insurance because the coverage may be a requirement. Boat insurance is going to be required if you have taken out a boat loan to finance the purchase. Lenders will want you to have this full coverage until the loan is fully paid off as it ultimately helps to ensure their collateral is protected. Loan agreements will typically have specific insurance requirements. 

If you are going to get a boat insurance plan when you are in the Temecula, CA area, it would be wise to call the Friant Insurance Agency. The team with the Friant Insurance Agency understands the importance of proper insurance coverage. They are able to help you assess your needs and evaluate your options. This guidance will help you build a policy that is ideal for your situation. 

When you own a condo, the insurance that you need is not like the insurance that covers a detached home. There are many rules of ownership in condos that require an insurance policy that is just for you and your home. If you need condo insurance, call us at Friant Insurance Agency in Temecula, CA. 

The Walls of Your Condo

Unlike with a detached house, owning a cond does not mean that you own the entire building or even your portion of it. Generally, the walls are the demarcation point for the areas that you must insure. In some condos, this means that you own and must insure everything from the internal walls inward. For some condos, that means you must insure what is inside the walls as well as the interior walls. The outside of the building, and sometimes the insides of the outer walls, are owned by the condo board and must be insured by them. 

Your Personal Belongings

Like the interior of your condo, the belongings inside it are covered by your condo insurance. To make sure that your items are insured, it’s a good idea to take either pictures or video of the inside of your condo so that you see all of the items you own. This allows you to establish what was in the condo if the worst were to happen to it. 

Liability Coverage

As with other types of insurance for a home, a condo policy includes coverage for liability. If someone were to fall ill or become injured inside your condo, your condo insurance would pay for the medical bills if you are liable for them. 

Talk to an Agent

If you need condo insurance on your home, call us at Friant Insurance Agency in Temecula, CA to find out more. 

You probably know how your boat insurance from Friant Insurance Agency protects your boat on the water, but do you know how it protects your vessel out of the water?

Beyond reimbursing you for repairs when you collide with any watercraft, your boat policy also protects your boat when it sits in storage or you haul it to your favorite body of water. Your policy lists named perils such as fire, lightning, vandalism, and theft. If your boat gets struck by lightning, for example, while moored in Temecula, CA, the insurance covers it. The same is true if a fire breaks out at the dry-dock storage facility and damages the watercraft. If your boat becomes damaged during a collision on the road while you transport it, the repairs or replacement still gets covered.

The reimbursement coverages apply to both the watercraft and the personal belongings stored within it. Your laptop, stored in the hold, gets covered in the on the road collision, just as your sonar does.

The amount of reimbursement you obtain depends on the level of coverage you choose. You have a choice between actual cash value or agreed amount value. The former pays you the current market value of your boat; the latter pays you an amount that you and your insurance company decided on when you purchased the policy.

Damage from marine life, whether freshwater or ocean, is not covered. If a shark damages your boat or zebra mussels, that is not covered.

Contact Friant Insurance Agency today to learn more about the property damage coverage and other coverages your boat policy provides you. We serve the Temecula, CA area with the insurance it needs to protect its’ financial futures.

Motorhome owners in Temecula, CA need to invest in a good motorhome insurance policy that they can count on to cover them for both liability and collision expenses. At Friant Insurance Agency, we provide motorhome insurance policies. 

The following are three mistakes to avoid when you purchase motorhome insurance in California. 

Thinking you need less liability coverage than you do

Liability coverage is an important aspect of your motorhome policy. Remember that liability costs can include medical bills from accidents that you’re involved in. This means that expenses can add up quickly.

Don’t think that merely meeting liability coverage requirements in California is enough. It’s important to invest in adequate liability coverage or you could find yourself in financial trouble as a result of traveling in your motorhome in the future. 

Being unaware of discounts you’re eligible for

There are numerous discounts that motorhome insurance providers typically offer. For example, it’s typical for providers to offer a discount if you have anti-theft devices or other security devices installed on your motorhome.

Do your research and learn about available discounts to ensure that you’re getting the most competitive price possible for the coverage you enjoy. 

Using an auto policy to cover your motorhome

You need to purchase a policy that is specifically designed for motorhomes. Don’t simply use an auto insurance policy to cover you in your motorhome.

A motorhome has some unique insurance coverage needs. For example, a motorhome policy should provide coverage for damage to possessions within the motorhome. Therefore, you need to buy a policy that is specifically designed for motorhomes as opposed to standard automobiles. 

We can help you find a motorhome insurance policy to protect you financially in Temecula, CA. Contact us at Friant Insurance Agency to explore our policy options. 

The Temecula, CA area is a great place to live as it has a good local economy and provides immediate access to a lot of natural beauty. When you are in this area of California, one of the best ways that you can get around and see all the sights is by owning an RV. When you have an RV, it will give you the ability to drive a safe vehicle that can also give you a comfortable place to sleep and relax. If you do own an RV here, there are several reasons that you should also get an RV insurance policy. 

RV Insurance Covers Asset

One of the reasons to get insurance for your RV is that it will cover your asset. Buying an RV is a big purchase and investment that you should do your best to protect. When you get RV insurance, you can receive the additional protection that you need. This will ensure you are covered if it is stolen or damaged. 

RV Insurance Gives Liability Protection

Another reason that you will need to get an RV insurance policy is that it can give you valuable liability protection. Anyone that operates an RV will be taking on the risk that they could cause an accident. To ensure that you continue to be protected against this risk, you should get an RV insurance policy that gives appropriate levels of liability coverage.

When you are looking for a new RV insurance policy in the Temecula, CA area, it is important that you contact the Friant Insurance Agency. If you do call the Friant Insurance Agency, you can learn a lot more about insurance and how it can protect you. Ultimately, this will help you choose a policy that is ideal for your situation. 

The Temecula, CA area is a great place to live due to the consistently warm weather and sunny skies. Along with this, owning a motorcycle here can make a lot of sense and be a fun and efficient mode of transportation. If you are looking for a motorcycle here, you should carefully consider your insurance needs. There are several benefits that come when you get this coverage.

Gives Valued Protection

One advantage of getting a motorcycle policy is that you will receive very valuable insurance protection. With motorcycle coverage, you can receive liability protection that will give you coverage if you are found to be at fault in an accident. You can also receive coverage to repair or replace your motorcycle if it is ever damaged or stolen. Ultimately, this investment could prove to be very worthwhile if a variety of negative situations arise. 

Ensures Full Compliance

Another advantage of getting motorcycle insurance is that it can ensure you are in full compliance. Those that own a motorcycle will be required to carry liability insurance in order to comply with the state law. Further, if you have taken out a loan to buy the motorcycle, you will need to have an insurance policy to meet the requirements set forth by your lender. 

Getting a motorcycle insurance policy in the Temecula, CA area is a good option for anyone. As you are shopping for your next motorcycle or insurance policy, you should call Friant Insurance Agency. The insurance team at Friant Insurance Agency can help you better understand all of your options. This will help to ensure that you are able to pick a policy that is right for your situation, which will protect your asset and ensure you are in full insurance compliance. 

Umbrella insurance is one of the least understood types of insurance. It is not like most other types of insurance, it can not stand alone. It is an excess liability and it can only be used with another policy that has liability insurance. According to experts, anyone who can earn a livelihood should have umbrella insurance. Having a relationship with an insurance agency helps when you wonder "who should carry umbrella insurance". The Friant Insurance Agency in Temecula, CA we believe in providing the best combination of price and protection. 

What does liability protect you from? Liability insurance protects you when someone is injured and you are held responsible. It can be at your home, at your business, with your vehicle, your furry friend or an immediate family member. If you are found responsible you could be required to pay medical expenses, a judgment against you, and legal fees.

An umbrella policy is added to the liability on your renters, condo, home, auto, or commercial insurance. When you reach the limit on your primary policy the umbrella policy will kick in. If you have never checked your liability limits on your policies, this might be a good time to do that. Think about basic auto liability for personal property. it is usually between 10-25 thousand dollars. Consider the price of a new car, you would be hard-pressed to find one that was $10,000. If you don’t have umbrella insurance, the amount above your coverage is on you to pay out of pocket or future wages. 

At Friant Insurance Agency in Temecula, CA  our knowledgable and friendly staff are here to help you get the right coverage. As an independent agency, we offer umbrella policies from multiple carriers. we look forward to seeing you in our office or talking to you on the phone to discuss your needs.