Having the right type of motorcycle insurance is the key to preventing losses as a result of an accident, whether it is from an accident or another event when the vehicle is parked. Most people have full coverage insurance for newer bikes, but when is it time to begin decreasing coverage in order to save money on your insurance premiums?

Should You Decrease Your Coverage?

If you have a motorcycle that is over ten years old and is fully paid for, then you may want to consider decreasing your amount of coverage or simply having liability insurance. This is, of course, a calculated risk. If your bike is still considered to have a value of over several thousand dollars, then decreasing coverage may not be the best option. Always discuss your options with your insurance provider before changing your coverage. A reputable agent can help guide your decision so you don’t risk major losses.

Motorcycle Insurance Options

Finding the right type of motorcycle insurance is a great way to protect yourself and others. Getting the coverage that is right for your situation is easy when you have a good insurance provider and agents who are helpful and knowledgeable. If you live near Laguna Hills, CA, you should consider getting your insurance policy from Friant Insurance Agency. They can help you realize your options and will work with you to create a custom policy that will give you what you need without having to spend more than necessary.

Don’t guess about motorcycle insurance coverage. Know what your policy will cover and understand the risk and terms of your policy. Anyone living in or around Laguna Hills, CA should call or stop by Friant Insurance Agency to discuss their options. 

In Laguna Hills, CA, owning a boat is not uncommon. If you’re one of the new boat owners here, you should consider paying some little attention to boat insurance to enable you to protect yourself . Boat insurance is equally fundamental just like auto insurance as there are many uncertainties in deep waters as there are on land. 

At Friant Insurance Agency, we help you find excellent boat coverage options for you, your family, friends, and your watercraft machine. Our mission is to keep you safe from financial constraints in case of an accident. Here are the basic coverages that your boat insurance may cover.

• Personal liability: This popular coverage reimburses you for losses, damages or injuries sustained in the event of an accident in which you’re at fault. The coverage pays for the medical expenses as well as repairs for the other party’s watercraft.

• Physical damage protection:  This coverage is for the owner’s watercraft. In case of damage or theft, the policy helps replace or repair.

• Underinsured or uninsured watercraft:  While boat insurance is not a requirement by the government of California, some sailors are either not adequately insured or completely uninsured. This policy pays for your injuries if you’re involved in an accident where the other person was uninsured/underinsured regardless of who is at fault.

• Medical payments: Sometimes you get severely injured probably an attack by water creatures like sharks. This policy settles all the medical care bills from the accident.

Boat insurance may not be mandatory but unmistakably worth it for sea enthusiasts especially those in extreme water sports. Nothing can stop you with boat insurance. Give Friant Insurance Agency the chance to find you the right policy package that fits wholly within your means. Visit us or call us today for a quote or new policy discussion.

At Friant Insurance Agency, we know many Laguna Hills, CA residents love camping in their RV campers. However, you need to make sure that you pay your insurance on time. That’s because you’ll experience serious problems if you let your policy lapse.

There is No Grace Period for Vehicle Insurance

You may be used to the idea of a “grace period” from your health insurance. At Friant Insurance Agency, we encourage all of our Laguna Hills CA area customers to pay long before their grace period is approaching. However, there is no grace period for most vehicle insurance types. The same is true of RV insurance. So if you miss one monthly payment, your policy is canceled.

You Can Experience Major Problems

If your RV insurance lapses, you can still drive it and go camping. However, you are putting yourself in serious risk. That’s because getting pulled over without RV insurance is going to be a major financial and legal problem. You’ll not only get fined for it but will be forced to pay for new insurance. In this scenario, you are going to pay a lot more to have coverage that you shouldn’t have ignored.

Getting New Coverage is Costly

In many states, getting new RV insurance after a lapse is going to be very expensive. That’s because you may be forced to get what is known as “high risk” insurance. You are considered high risk because you didn’t insure your vehicle properly. Those type of coverage is always more expensive than other types and may be more difficult to afford than the policy you let lapse.

Don’t Let This Happen to You

So if you live in Laguna Hills, CA and have a high-quality recreational vehicle, make sure that you keep your policy current. Contact us at Friant Insurance Agency if you have any questions about this process or otherwise need help choosing a policy that is right for your needs.

Operating a motorcycle is a lot different than driving a car or truck. This is why motorcycle drivers have to go through a different form of testing to get their motorcycle operator’s license. In addition to having to take a different type of operator’s test, there are several other things a motorcycle owner should do to optimize his or her safety. Here at the Friant Insurance Agency, we’d like to share a few tips with you regarding how to be a smart motorcycle owner in Laguna Hills, CA.

Always Wear Protective Gear

Even on a hot and humid day, it’s not uncommon to see motorcycle drivers and passengers wearing long sleeve clothing, pants, and boots. With it so hot outside, why would they dress like it’s winter? This type of protective gear helps protect their skin if they were to crash. You should always ensure you have on appropriate clothing before taking off on your motorcycle. 

Invest in Insurance

In addition to protecting yourself with the right clothing, you need to make sure you are protected with motorcycle insurance. This type of insurance is of extreme benefit if you were to become injured during an accident and the at-fault party doesn’t have proper insurance coverage to cover your medical expenses. An insurance policy also helps ensure you comply with state insurance laws, which could potentially be the difference between spending a night behind bars and being able to go home if you’ve been pulled over for a traffic violation.

Never Drink and Drive

When it comes to a motorcycle, not only do you not want to drink and drive, but you also don’t want to drink and ride. Because you have to hold on to the driver when riding as a passenger, if you are drinking and impaired, it’s best to get a ride in a car with a sober driver rather than on a motorcycle.

To learn more about the different ways to be a smart motorcycle owner, contact the Friant Insurance Agency today serving the Laguna Hills, CA area.

Your valuables in your Laguna Hills, CA home or apartment may not be completely covered by renter’s or homeowner’s insurance. Sometimes there are policy limits that prevent an indemnity company from giving you the full price for items lost or damaged in an unforeseeable event such as a burglary or flooding caused by a broken pipe. You do well to fully protect yourself with an umbrella insurance policy. A member of the Friant Insurance Agency can help you understand what such a policy is and how it can help your situation. 

What is umbrella insurance?

Quite simply, umbrella insurance is the extra coverage that you need to fully recover the value of items lost during a claim-worthy event. A burglar who steals your mother’s pearls worth $1.5 million has done you a great injustice if you do not have the additional coverage of an umbrella policy to supplement the amount not covered by your standard homeowner’s policy. Not only has the thief stolen a precious commodity but he has also robbed you twice by forcing you to accept a payout that is less than fair from your indemnity provider. Umbrella insurance is designed so that you do not have to experience the pain of losing several times over. 

How does the plan work for renters?

Umbrella insurance is one of those perks that is not exclusive to homeowners. You can get a policy to go along with your standard renter’s indemnity plan so that you do not have to worry about buying a new laptop when the neighbor’s bathroom flooding leads to water invading your premises and ruining everything in its path.

Your personal and building property in Laguna Hills, CA deserves complete care and protection. Call the professionals at Friant Insurance Agency today to discover the possibilities of umbrella insurance!

A floodplain is the level part of the land that is next to a stream or a river. The Federal Emergency Management Agency (FEMA) defined all the areas in the United States into specific geographic sections that are identified by the potential risk of floods.

Each city or town that has any potential flood risk will have a Flood Hazard Boundary Map or a Flood Insurance Rate Map (FIRM) that shows all the areas with their estimated risk of flooding. The risks of floods are calibrated from historical records. They are delineated as 100-year flood zones and 500-year flood zones. 100-year flood zones have a 1% chance of having a flood within a 100-year period. 500-year flood zones have a 1% chance of having a flood within a 100-year period.

The FIRM is used in conjunction with the Nation Flood Insurance Program (NFIP). The U.S. government requires flood insurance for any homes located in a designated flood zone that has a mortgage supported by federal funds or guaranteed by federal entities.

How do you find out if a home is in a designated flood zone?

The way to determine if a home is in a designated flood zone is to review the FEMA maps at msc.fema.gov. If you do not want to have to do that, you can consult with your insurance agent at Friant Insurance Agency in Laguna Hills, CA and the agent can look it up for you. If you are considering buying a home, this is an important thing to check.

Do you need flood insurance even if it is not required?

Even if flood insurance is not required, it may still be a wise decision to have it, especially if the home is near a flood zone but not in it. Weather patterns are changing, and previously safe areas may no longer be as safe.

Ask your agent at Friant Insurance Agency, serving Laguna Hills, CA and the surrounding area, for a flood insurance quote and have your questions answered.

A condo in Laguna Hills, CA can be a lovely home or a wonderful investment property. The view of the ocean and the proximity to all the water has drawn people to the area for hundreds of years. You need condo insurance to protect yourself from financial loss. A condo is an investment and insurance safeguards the physical property. Insurance obtained through a reliable and experienced provider like Friant Insurance Agency also protects you from loss of contents like appliances, furniture, and personal items.

Special Reasons for Condo Policies

• The state of California is subject to earthquakes. The California Earthquake Authority has developed specific insurance policies for condominiums. These policies provide particular protection that helps you recover from earthquake damage. A minor earthquake can cause structural damage that reduces the value of your investment.
• Many condo owners in Laguna Hills, CA think that their home owner’s association provides them with some insurance protection. The fact is that any insurance that a home owner’s association has protects the owner of the building first. Condo insurance gives you peace of mind.
• You may even owe the building and the association a huge amount of money if you have leaky pipes that damage another unit or a common area. This is another reason why you need condo insurance that for yourself.
• A condo on or near the beach is a legacy that you can pass on to generations to come in your family. A condo can be an extra source of income during your working life that pays for itself. You can keep your legacy and your retirement home safe and secure with condo insurance.

Contact Friant Insurance Agency about the right insurance for your condo. Experienced agents from our independent insurance firm can offer you a selection of condo insurance plans from the nation’s most highly respected insurers. Reach out to our agents for a quote.

 

Did you know that approximately 59% of renters don’t have renters insurance? On the contrary, 95% of homeowners have home insurance coverage according to a study conducted by the Insurance Information Institute. Friant Insurance Agency works with Laguna Hills, CA residents to ensure that renters don’t fall victim to damages for lacking insurance. 

If you don’t have renters insurance in California, here are a few things you must know: 

Personal property is not covered by landlord’s policy 

Landlords carry policies that only include the building structure. Once a tenant moves in, they change the homeowner’s policy to a rental policy transferring covering personal property responsibility to you. If your contents burn down, don’t expect your landlord’s coverage to reimburse you.

Renters insurance may extend beyond personal property 

When buying renters insurance, you realize that it may cover more than your belongings. In most cases, it will safeguard you from lawsuits and medical bills in case of a liable accident. For instance, if you forget to unplug your bathtub and it overflows causing damages in the next apartment. 

Renters Insurance is affordable 

Even though affordability is relative, it cannot be compared to the costs of replacing your personal property in case of an incident. What is the value of all your assets in a rented apartment? Is it lower than your renter’s insurance coverage?

Standard renters’ coverage doesn’t include luxury items 

If you have expensive jewelry or other high-end products, you need to discuss them with your insurance provider. Most insurance companies don’t get coverage for such things in the standard policy but rather in a specially customized one.

Includes borrowed Items 

According to the Insurance Information Institute, renter’s policies protect things “in your possession.” That implies properties you own, rented and borrowed are covered as long as they are in your possession. You should seek clarification from your provider.

If you are looking for renters insurance in Laguna Hills, CA, get in touch with Friant Insurance Agency. Our agents an work with you to get you a quote and get you started with a policy.

In the Laguna Hills, CA area, it is not uncommon for people to own a boat. If you are one of those people who currently own a boat, then it is time to consider getting boat insurance. Here at Friant Insurance Agency, we believe that not only should you have insurance but it is something that you should keep all year long. These are just a few reasons why you should have boat insurance. 

• It can help pay for the damage – Even though you may do everything you can do to keep your boat in pristine condition, things can still happen to it that you will need to repair. If you do not have boat insurance, then you will need to pay for these costs out of your own pocket. With boat insurance, you can get help with the repairs and will only have to pay a deductible. 
• It provides liability coverage if someone is injured on your boat – Another thing to watch out for is if someone were to get injured while on your boat. If this happens, then they can actually turn around and sue you for negligence or something else. You may end up having to pay for those medical bills out of pocket or maybe even more. With the right boat insurance policy, you have liability protection to help protect you from this costly possibility. 

As you can see, there are many reasons and benefits to having boat insurance for your vessel. If you would like to get a free quote or learn more about your options, be sure to contact us here at Friant Insurance Agency, serving Laguna Hills, CA, today. We can help you find the right policy as well as make sure it fits within your budget.