Are There Any Drawbacks To Umbrella Insurance?

Umbrella insurance is a type of policy that can provide extra protection for you and your family if you’re sued. It can also offer coverage if you are involved in an accident that causes severe injury or damage to someone else’s property.

While umbrella insurance is an excellent option for many people, there are some drawbacks that you should be aware of before purchasing a policy. In this blog post, we’ll discuss the disadvantages of umbrella insurance so that you can make an informed decision about whether or not it is right for you.

1. Does Not Cover Damages to Your Property

One of the most significant drawbacks of umbrella insurance is that it does not cover damages to your property. If you are involved in an accident that damages your home or car, you will not be able to file a claim with your umbrella policy.

2. Does Not Cover Certain Types of accidents

Another drawback of umbrella insurance is that it does not cover certain types of accidents. For example, if you are involved in an accident while driving under the influence of alcohol, your umbrella policy will not cover the damages.

3. It Can Be Expensive

Another downside of umbrella insurance is that it can be expensive. The cost of your policy will depend on several factors, including the amount of coverage you need and the deductible you’re willing to pay. Armorcrest Insurance Services in El Centro, CA, can help you determine whether or not umbrella insurance is right for you.


Umbrella insurance is an excellent option for many people, but it is not suitable for everyone. Before purchasing a policy, be sure to weigh the pros and cons so that you can make an informed decision about whether or not umbrella insurance is right for you. Armorcrest Insurance Services in El Centro, CA can help you find the right policy for your needs.

What Is Not Covered By My Condo Insurance Policy?

Your condo insurance policy will not cover the value of your unit if it is damaged by fire, lightning, or other threats beyond your control. It will also not cover loss or damage to your unit caused by you, a guest, or caused by a previous tenant. For help in El Centro, CA, call Armorcrest Insurance Services. 

Knowing More about Condo Insurance Policy 

While condo insurance is a great way to protect your investment, it does not cover all risks associated with owning a condo. The most common items that are not covered by condo insurance include: 

  • Damage to other units in the building 
  • Damage to common areas of the building 
  • Damage to landscaping, swimming pools, garages, or other improvements Damage to the foundation 
  • Damage to electrical systems 
  • Damage to plumbing 
  • Damage to the HVAC system

Each condo owner’s policy differs and will also change according to the building. Your condo board, management company, and other building owners will know what is and is not covered. The common condo claims include: 

  • Painting/refinishing
  • Improve the unit’s new flooring, kitchen countertops, etc.
  • Repairs to the exterior of your unit, such as a broken window or damaged siding.
  • Replacement of a damaged appliance, such as a damaged dishwasher or dryer.
  • HVAC system replacement.

There are a few things that you may want to look into purchasing additional coverage for. First, if you have expensive belongings (furniture, art, etc.), you may want to consider buying a rider that covers these items. 

Key Takeaways 

If your unit is damaged and not covered by your condo insurance policy, your landlord’s policy will likely cover the damage. They’ll be responsible for the cost of repairs. 

Check your condo insurance policy to see if it covers loss or damage caused by you, a guest, or caused by a previous tenant. For expert aid in El Centro, CA, get in touch with Armorcrest Insurance Services.

Can a landlord require renters to carry renters’ insurance?

In El Centro, CA, both homeownership and renting provide popular ways to find a great place to live. Some individuals might try to avoid the insurance required when they take out a mortgage by renting instead. At Armorcrest Insurance Services, we want you to understand that renting doesn’t guarantee you’ll avoid needing to buy an insurance policy.

Landlords Can Require Renter’s Insurance

In California, your landlord can require you to purchase a renter’s insurance policy. No, they don’t care that much about your stuff gaining protection. They’re looking out for their own liability.

Typically, their liability insurance policy covers the exterior areas of the building because they fall under the public domain. It also covers any public areas of the building in which you rent, such as a foyer that opens up to multiple apartments or a lobby.

Your renter’s insurance policy covers the liability from events occurring in your apartment or home. If someone falls and breaks a limb in your kitchen or bathroom or on your balcony, your insurance covers the liability.

The problem arises if you do not have insurance. The lawyers for the injured person or persons will look for a party to blame who has the money to pay the claim and who they could prove negligent. That’s the landlord.

Since the landlord has the legal requirement of building upkeep, if the fall in the bathroom occurred because a grab bar had come away from the wall, the landlord should fix it immediately. As long as the tenant can provide that they informed the landlord of the problem before the accident and the landlord had reasonable time to fix it, the landlord would be considered negligent.

For this reason, many landlords require you to carry a renter’s insurance policy. You’ll find the stipulation in your lease and many landlords won’t let you move in until you prove you own a renter’s insurance policy.

Contact Armorcrest Insurance Services

Let Armorcrest Insurance Services help you fulfill your renter’s insurance requirements in El Centro, CA. Contact us today for this important policy.

Top Myths about Motorcycle Insurance

If you’re one of the millions of people considering buying a motorcycle, you may wonder if motorcycle insurance is vital. After all, it’s just a bike. Wrong. Motorcycle insurance is a vital part of owning a bike, but there are a lot of myths out there about it. Here are the top four.

Myth 1: I Don’t Need Motorcycle Insurance Because I Have Car Insurance

This is one of the most common myths about motorcycle insurance. The truth is, car insurance and motorcycle insurance are two very different things. Car insurance covers you in case of an accident while driving a car. Motorcycle insurance covers you in case of an accident while riding a motorcycle.

Myth 2: I Don’t Need Motorcycle Insurance Because I’m a Good Motorcyclist

This is another myth that a lot of people believe. The truth is, even the best motorcyclists can have accidents. No matter how good you are, there’s always the possibility that someone else on the road will cause an accident. That’s why it’s important to have motorcycle insurance.

Myth 3: My Bike Is Too Old to Insure

This is not true! You can insure any motorcycle, no matter how old it is. Insuring an older bike can be a good idea. If your bike is older, it may not have the same safety features as a newer one. This means that you’re more likely to be injured in an accident.

Myth 4: I Don’t Need Motorcycle Insurance Because I Only Ride My Bike Occasionally

It doesn’t matter how often you ride your bike; you should always have motorcycle insurance. Even if you only ride once a year, it’s still important to be protected in case of an accident.

As you can see, there are a lot of myths about motorcycle insurance. The truth is, it’s a vital part of owning a bike in El Centro, CA. At Armorcrest Insurance Services, we can help you find the right insurance policy for your needs. Contact us today to learn more. 


Why Is It Important To Insure My Boat?

Boating is a fun and relaxing way to enjoy the outdoors. However, boats are expensive assets and, just like a home or car, you need insurance to protect your investment. If you were to have an accident on the water, it could cost thousands of dollars in damage. Here are four reasons why you should never go without boat insurance.

1. To Protect Your Investment

Your boat is a big investment and has a value that can range from a couple of thousand dollars to millions. It is important that you protect your boat because you would have no way to recover the cost if it were ever damaged or stolen. Every boater should have enough insurance to ensure that this does not happen.

2. To Protect Other People

Another reason to get boat insurance is third-party liability. This covers you against lawsuits filed by other people if they are injured or their property is damaged while your boat is being operated. For example, say you are fishing with your buddies and hit another boat. The people on the other boat get injured, their medical bills pile up, and they want to hold you responsible. If they were successful, the damages could bankrupt you. This is why you need insurance!

3. To Protect Yourself

You will want to protect yourself as well. Boat insurance can cover some or all of your medical bills if you are injured while out on the water. There is a limit to the amount of money paid, but it can help cut down some of your burdens. Injuries on the water happen more often than most people think, and they are painful both physically and financially.

There are many reasons to get boat insurance. It is something that every boater should have and not just for their own protection, but for the protection of other people in the water as well. If you are in El Centro, CA, and you need a boat insurance quote, then Armorcrest Insurance Services can help. Please contact us today for more information.

How Does Umbrella Insurance Protect Me?

Life, in general, is full of uncertainties warranting a prolific plan to arrest the worst when it strikes. While you have boat, home, and auto insurance to protect you when the unexpected occurs, they are likely to fall short when faced with significant claims.

Buying umbrella insurance in El Centro, CA, safeguards a policyholder by providing additional coverage that goes beyond your conventional liability coverages. Need umbrella insurance in El Centro, CA? Please get in touch with Armorcrest Insurance Services for an affordable and personalized umbrella insurance policy.

Not sure how umbrella insurance protects you? Keep reading to understand how umbrella insurance can save you in the hour of need.

Protection of assets

Irrespective of how vigilant we become to avert accidents, they are bound to strike anytime. Your hard-earned assets may be at risk when you are legally liable for a massive accident involving extensive injuries or property damage. The ensuing liability claims may exceed the underlying limits of your auto insurance, putting your assets on the line.

Luckily procuring umbrella insurance from Armorcrest Insurance Services salvages you when your auto insurance gets depleted. It covers liability claims, including lawsuits, safeguarding your assets.

Protect you against lawsuits

Lawsuits don’t emanate only from auto accidents. You could be held responsible for accidents caused by your pet or family members. For instance, your pet might bite someone, causing injuries. Likewise, you may invite a guest in your home, and when they are injured in your house, they may sue you for medical costs, lost wages, and so on. While the two incidents are accidental, you could be on the hook for thousands or millions of liability costs.

Given we live in a litigious society, you can be sued for virtually doing nothing. And that’s why you need umbrella insurance to protect your assets and earnings against expensive lawsuits.

Personal liabilities

Other instances when an umbrella insurance safeguards and the primary policies can’t cover you include when accused of:

  • Libel
  • Slander or defamation
  • False arrest, imprisonment, or detention
  • Malicious prosecution
  • Shock or mental anguish

Shopping for umbrella insurance in El Centro, CA? Don’t hesitate to get in touch with Armorcrest Insurance Services for an affordable umbrella insurance policy.

Reasons You Need Condo Insurance

Just like homeowner’s insurance, if you own a condo, you are going to need insurance for it. Though you may think that you don’t, that couldn’t be farther from the truth. 

Here are some reasons why you need condo insurance. 

Your mortgage may require it. Most of the time, when you get a home or condo with a mortgage, they are going to make you have insurance for it. They want to make sure that their investment is protected, in case anything happens to it. 

It will cover damage that occurs to your condo. If a storm damages your condo, your insurance will help you cover the cost to fix it. It will also fix damage due to water, fires, and much more. 

It may also cover extra expenses if you are unable to live in your condo. If you have to live elsewhere while your condo is being fixed, you may be eligible for money to help you cover the extra costs that occur. 

Your condo insurance will help you replace your belongings if something happens to them. Whether someone breaks into your home or water (or fire) damages some of your belongings, your condo insurance will help you replace these items. 

It will also protect you if someone gets injured in your condo. If someone falls in your condo, you may be responsible for their medical bills. They may also choose to sue you. Your legal fees can quickly add up. Your condo insurance will help cover these expenses. 

If you want to learn more about condo insurance, don’t hesitate to contact us today at Armorcrest Insurance Services in El Centro, CA. We would be glad to discuss your needs to find a policy that is right for you. 

California Condo Insurance – Are Time Shares Covered Under Condo Insurance?

Timeshares are a special version of condominium ownership as you essentially have a certain time period where you live in the condo during the year.  If you have a month blocked off in the summer for your timeshare to be active, that’s your month to “own” the timeshare before the next tenant has ownership of it.  Vacationers love this aspect of timeshares because it gives them a viable alternative to staying in a hotel and having limited amenities.  Questions that are usually asked by a timeshare owner include:  will my condo insurance cover my timeshare?  If it doesn’t, what options do I have in coverage?  Armorcrest Insurance Services in El Centro, CA offers many types of condominium insurance and other policies.

Timeshare Insurance Options

Options are radically different if you own the timeshare (have the deed) versus renting it during the year.  Deeded Timeshare Insurance is offered which can protect the timeshare year-round from incidents or damage from renters.  If you rent the timeshare, you can’t really get condo insurance as you don’t actually own the unit, you’re just renting it.  What you can do, however, is get renter’s insurance which will cover your items while you’re staying in the unit.  

For example, if the unit is destroyed by a house fire while you’re renting it, the structure is protected by the homeowner’s condo insurance (or in this case, deeded timeshare insurance) while your items inside are protected by your renter’s insurance. This stays true no matter how many different tenants use the condo throughout the year.  As long as each tenant has their own renter’s insurance during their stay, the items inside will be covered during a catastrophic event.  

To Learn More

You can learn more about condo insurance by contacting Armorcrest Insurance Services in El Centro, CA today! 

Is Renters Insurance Right For Me?

The renters’ insurance policy covers the policyholder against loss in case of an accident. In addition, it covers the individual’s belongings, liabilities, and any other expenses required while living. Armorcrest Insurance Services offers such insurance in El Centro, CA. Renter’s Insurance is the best insurance coverage one can ever have for your living premises. It is available for residents who rent or sublet a single home, apartment, loft, or townhouse. You should have one because it will help you repair or replace items. Every citizen in El Centro, CA should visit Armorcrest Insurance Services for coverage that will match their needs and budget. 

Reasons Why Renter’s Insurance is Important.

 Protect your private possessions.

If an accident happens, the landlord’s insurance policy will cover the expenses for repairs or construction of the house. However, personal belongings like furniture, TV and a laptop are not covered. This instance is where the renter’s insurance cover chips in if you had one. These accidents are unpredictable. 

Liability protection

Hurting others while on their premises or your own is very heartbreaking. Moreover, when property is damaged, it can also be costly. People in El Centro, CA, have a sense of style and love unique interior designs. Covering the damage straight from the wallet can be difficult. For this reason, renter insurance holders can have liability policy coverage for such damages.

You can afford a temporary dwelling away from home

If your house is damaged beyond habitation, Armorcrest Insurance Services Company comes along with your insurance policy to cover everything. They get you a temporary home or book you and your family in a hotel, where all the bills will be catered for until your house is in good condition. 

To keep your possessions covered anywhere in the world

If you are on vacation or just anywhere in the world, and your possessions are damaged, like a laptop, renters’ policy can cover or reimburse the cash spent on repairing or making a new purchase. However, note that the possessions cannot get covered to the extent they would if you were on your premises.

Do you crave financial freedom free from stress and worry in El Centro, CA? Renter’s Insurance is best whenever you do not want to pay your savings to cover damages. Damages and accidents can be frequent and unpredictable. Please get in touch with us at Armorcrest Insurance Services and get comprehensive information about renters insurance.

Does Motorcycle Insurance Cover Your Helmet?

In a motorcycle accident, the destruction can be unpredictable. Armorcrest Insurance Services, which serves the motorcycle riders of El Centro, CA, understands that damage does not only affect your physical health and your motorcycle. Your gear, including your motorcycle helmet, can also become damaged.

If you spend a lot of money on your safety gear, you want to know if insurance will cover your helmet. This is what you need to know.

Helmets May Not Be Covered in Standard Policies

A motorcycle helmet protects the most valuable part of your body. When you are in a motorcycle accident, it is common to require a new helmet afterward. Even small dents and dings can impact the integrity of your protective gear.

In many standard motorcycle policies, gear is not covered. You must read your insurance policy to ensure that you understand coverage of safety gear, including helmets. Read the policy carefully, as it may cover a helmet but no other safety gear.

In some policies, safety gear is covered to some extent. The policy may cover some of the helmet’s cost, but you may very well own a helmet that is worth more than this set amount. You may want to purchase an additional policy that will cover more of your gear.

Extra Protection Is Available

Many insurance companies offer extra protection for motorcycle gear, including helmets. You should compare policies to find the right option for you, and you should also compare add-ons to ensure that the entire cost of your safety gear will be covered.

Motorcycle coverage comes in different forms. If you live in El Centro, CA, contact Armorcrest Insurance Services to learn more about coverage for your protective gear.