Commercial Insurance Inventory Basics

Commercial property insurance includes contents coverage for your business inventory. But how do you effectively create and manage a content inventory? Armorcrest Insurance Services offers our El Centro, CA customers a quick guide to help you get started. 


  • Start with a walkthrough. Make a note of everything you find. Inventory apps make this easier. Some are free, but the best come with a cost. 
  • There are three primary categories for business content. Categorize your inventory.
    • Inventory (what you sell to customers) 
    • Equipment (what you use to create your products)
    • Business Contents (terminals, furniture, and office equipment)
  • Take photos, record videos, and save receipts whenever you acquire new items. 
  • Once your inventory is created, maintain it by adding items to the list as they come in. 

Determine Value

When estimating the replacement value for items that fluctuate throughout the year, base it on your highest inventory month, never your lowest. Consider any renovations or improvements you’ve made to a building you rent. Ensure they are listed in your inventory. 

Understand the difference between replacement cost coverage (which pays out the value to replace with new items) and actual cash value coverage (which pays out the cost at current value, including depreciation). Actual cash value will have lower premiums, but you’ll need to make up the difference in the event of a loss. 


Make sure you keep a backup off-site. If you use a digital app, many of them allow you to store backups in the cloud. 


Review and update your content inventory seasonally. The more accurate it is, the better protected you’ll be during a loss. 

Armorcrest Insurance Services wants our El Centro, CA to be prepared. If you have questions about commercial insurance, call today to get answers from our knowledgeable and friendly staff. 

How Renters’ Insurance Works

Do you rent your home? If so, it’s vital that you have a renters’ insurance policy. These policies offer several types of coverage that are all in one policy. All these coverage types are important for renters, and it’s never a good idea to go without them. In most cases, you are required to have it by your landlord. If you don’t have this coverage yet, getting it as soon as possible is important. Call us at Armorcrest Insurance Services in El Centro, CA to get started with a policy.

Coverage for Your Possessions

When you are a renter, your possessions encompass much of your investment. The many items you have in your rental are important, and they would be expensive to replace. So, what would happen if a serious incident happened that destroyed or ruined many of them? If you didn’t have this insurance, you would have to pay to replace them. But with renters’ insurance, you can have everything replaced with the help of the policy. It’s essential to keep this coverage for as long as you rent your home. 

Liability Coverage

Several coverage types are included in your policy if you have renters’ insurance. One of these is liability coverage. This protects you in case someone else gets injured in your home. It may also cover your liability related to your pets in case of an injury. This coverage can be extremely valuable because of the high cost of medical bills today. 

Get Your Renters’ Insurance

You are vulnerable to many expensive risks if you don’t have renters’ insurance. Call us now at Armorcrest Insurance Services in El Centro, CA for more information about renter’s insurance.


Is it time to increase your motorcycle policy’s medical expense coverage?

Armorcrest Insurance Services proudly serves the greater El Centro, CA community. We are here to help you with your insurance needs, whatever they may be. Give us a call, or stop by our office today.

We look forward to working with you!

Benefits of increasing medical expense coverage on a motorcycle policy

Motorcycle insurance’s two main components are liability protection and medical expenses coverage. There are good reasons to increase these policy limits, especially if you have a basic policy. Medical expense protection can cover you, your passenger, and any other injured party.

While every policy is different, finding one that meets your needs is essential. When you have robust medical expense coverage, you can avoid having personal financial responsibility. It is worth looking into your current coverage and the options available to increase that coverage. 

Motorcycle accidents often cause injuries that require medical attention. This can mean that a significant amount of damage can occur, in addition to things like property damage and loss. Basic policies often provide the bare minimum protection regarding medical expenses. When you have increased coverage, you and your passengers are better protected. Don’t wait to find out that you don’t have the protection that you need. 

Call our office today.

If you live in El Centro, CA or the surrounding area, let the Armorcrest Insurance Services team help you with your insurance needs. We are here to answer your questions and provide the information you need to make the right insurance decision. Give us a call or stop by today!

Types of Boat Insurance Policy Options in El Centro, CA?

An incredible moment of fun in the water is both breathtaking and fascinating. An outing, fishing, or just waterskiing is a great way to relax. In El Centro, CA, purchasing boat insurance is critical as one feels safe from unexpected eventualities that may lead to losing your investment or life. One may not be in a position to repair their boats after an accident occurs, and insurance comes in handy. Boat insurance will see you get paid for financial loss accrued to a boat accident.

A boat out of commission needs to be covered, too. Although the risk is different from when the boat is afloat, risks such as theft, fire, vandalism, and lightning, among others, can happen. Most Marinas and local authorities will require one to have at least a third-party liability coverage to access their mooring services. Armorcrest Insurance Services offers the ultimate protection you require for your vessel in El Centro, CA. Visit or call Armorcrest today, and our agents will provide a solution for your boat insurance needs.

The following are types of boat insurance available in California:

  • Equipment coverage– Navigation equipment and other high-value gadgets are unique valuables that need protection, and policies exist to cover them against unforeseen damage or loss.
  • Consequential Loss– Damage resulting from wear and tear depreciation, as opposed to an accident, is covered here.
  • Under-insured and Uninsured boat covers– This policy protects you or anyone using your boat against any property loss or bodily injury caused by other uninsured or underinsured boaters.
  • Medical liability coverage– In an accident resulting in bodily injury, you and your crew are covered on this policy.
  • Disablement liability– Some costs, such as the cost of undertaking certain boat repairs and towing costs in the event your vessel is disabled, are provided for in this policy.

 Enjoying perfect peace of mind can be the best relief for a boat owner. The best choice for a competitive boat policy that offers both comprehensive and third-party liability should be on your most wanted list. Call or visit our office at Armorcrest Insurance Services for all your watercraft insurance needs in El Centro, CA, and helpful information that will leave you rich and enjoying your perfect peace of mind.


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.