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.

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.

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 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!

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.