How to Know if Your Boat Needs a Special Policy

You may or may not be required to have boat insurance depending on where you live. Even if it is not required, it is still a good idea to get this coverage. Your boat may be a valuable investment so it is worth considering a special policy to give you the most protection from accidents and injuries. Different types of boats may benefit from special policies that can extend ordinary coverage.

The agents at Armorcrest Insurance Services of El Centro, CA have years of experience helping clients get great insurance for their boats and other vehicles. We can help you find a plan that fits your needs.

Some Benefits of Boat Insurance

A standard policy may cover such incidents as collision damage, bodily injury, and property damage depending on your particular coverage. There may be certain situations you may want to consider further insurance options for more protection. Some examples of special insurance can include:

  • Fishing equipment – If you own a fishing vessel and you have a lot of expensive equipment, getting extra coverage will help ensure against a loss.
  • Watersports – You may seek special coverage if you engage in watersports and need liability protection.
  • Personal property – Covering your extra property while boating can save you from replacing items later with your own money.

Quality Insurance in El Centro

Contact us at Armorcrest Insurance Services of El Centro, CA to speak with one of our agents about your boat insurance options. We work hard to find the best insurance for your specific needs at affordable prices. Give us a call today for a hassle-free quote and to get started with a discussion on how we can help you.

4 Benefits of Umbrella Insurance

Northern and Southern California may look like different worlds. Still, most residents of this state have in common the versatile choices they possess when choosing liability insurance. However, the maximum liability protection offered by policies like homeowners and auto is insufficient to meet the cost of a liability lawsuit. This uncertainty may be averted by acquiring the right umbrella insurance at Armorcrest Insurance Services serving El Centro, CA to protect existing limits and coverages of other policies against property damage, certain lawsuits, and injuries.

Is umbrella insurance a valuable asset?

Umbrella insurance is the extra liability insurance that kicks in when your current coverages are depleted. Luckily, you may have auto, boat, and home insurance policies, but they can only safeguard you to a certain extent. In case of substantial claims, these policies may get exhausted, putting your assets in jeopardy. Umbrella insurance is beneficial in the following ways.

Property and Asset protection: The ultimate goal of getting umbrella insurance is to safeguard your assets against major disasters like lawsuits. The more assets you possess, the more you need them. Not only are massive companies get sued for millions, but also ordinary people are vulnerable to an imminent colossal lawsuit. Formidable umbrella insurance ensures that your home and assets are shielded from lawsuits if they happen.

Peace of mind: Like any insurance umbrella, insurance instills some peace of mind from the guaranteed additional security. When the unexpected happens, and you know it’s at your disposal, it is one way of knowing you are prepared to deal with any form of uncertainty beyond your control, at least from a financial aspect.

Provides additional coverage: Umbrella insurance covers incidents that your other underlying policies don’t. These include wrongful arrest, libel and slander, defamation, and other forms of personal attacks.

Affordable: Umbrella insurance only kicks in only when your other policies are exhausted; this makes it significantly inexpensive.

Don’t wait until your business is at risk to find out the right insurance for your business. To protect your business from inside out, contact Armorcrest Insurance Services situated in El Centro, CA for the help that you need in securing reliable umbrella insurance. Call us today, and you won’t regret it.

Three Ways You’re Covered With Condo Insurance

Condo insurance is extremely important for every condo owner. It protects you in a number of ways from a number of situations. If you don’t yet have your condo insured, call us today at Armorcrest Insurance Services in El Centro, CA to talk to an agent about this vital coverage. 

Your Possessions

The items that you own are ones that you have put money into a need to have for your lifestyle. If an incident were to happen that ruined, or even destroyed, your possessions, it can cost a considerable amount to replace it all. When you have condo insurance, you will have help in paying to get everything replaced. When you move into your condo, it’s a good idea to photograph or video your possessions so that you can prove later that you owned them if the worst should happen. 

Your Condo

Condo insurance wouldn’t be much good if it didn’t protect your condo. With this coverage, major damage can be repaired and paid for by the insurance policy. A serious accident, calamity or disaster can result in major damage that would be extremely expensive to pay for on your own. It’s smart to have this coverage in place in case the worst should happen. Because it covers a condo, it only covers the portions of the building that you own. This is generally the inside portion of your unit. The condo board insures the outside portions. 

Your Liability

If you were to have a guest or a maintenance worker who has an accident in your condo, you could be held liable for the medical bills. Your condo insurance, however, does contain the liability coverage you need to pay for those bills. 

Get Your Condo Policy

Every condo owner needs to have their condo insured. If you don’t have a policy yet, contact us at Armorcrest Insurance Services in El Centro, CA.

Are Roommates Covered Under Renters Policy

Having renters insurance in El Centro, CA, is a necessity that you cannot ignore. You must make sure that you have protected anything that is not covered by homeowners insurance. The big question is whether your renters’ insurance covers your roommates. Armorcrest Insurance Services offers some essential details every homeowner in California needs to understand.

Renters Insurance and Roommates

Typically, your roommates are not covered by the renters’ insurance policy. This is because they are not included in the lease agreement. As such, they are not covered under the property of the house and will therefore not be compensated if anything wrong happens to them.

Traditionally, insurance companies use a myriad of factors and reasons to determine the cost of a renters’ policy. As such, it is very difficult for such organizations to determine how to charge the prices of a renters’ policy that covers the roommates. 

What Options do Roommates Have?

There are several options that roommates have when it comes to renters insurance. The best way to go about it is by making sure that each person in the house has their own renters’ insurance policy. This will help in making sure that every person in the room is independently covered in a straightforward process.

The other option you can incorporate together with your roommate is by sharing your renters’ insurance policy. However, this is a complex aspect because you must include your roommate in your insurance policy. You also need to make sure that you know what you’re entering before agreeing to a sharable renter’s insurance. 

Look for Professional Advice 

Armorcrest Insurance Services knows that most El Centro, CA residents have roommates who complicate their renters’ insurance. This is a serious issue that can lead to a legal battle with the insurance company. To avoid such problems, work with us today for a legal solution on roommate’s renters’ insurance.

What You Need to Know About Boat Insurance

We all need to get outside and enjoy nature more. Boat ownership makes this possible for millions of people. Owning your boat provides a great way to spend time with friends and family in the great outdoors. In order to make the most of your boat ownership, though, it is important that your boat or watercraft is sufficiently insured. At Armorcrest Insurance Services serving El Centro, CA we know that the only way to make wise insurance choices is by having solid insurance information available. This is why we strive to provide our clients and even our future clients with great insurance education. Keep reading to find out what you need to know about boat insurance. 

Why Do I Need Boat Insurance?

If your state does not require that you carry boat insurance, it is still an important investment. Boat insurance not only protects the investment you made into your boat, but it can also help protect you financially on a bigger scale. If your boat is involved in an accident resulting in injuries to others, you could be held liable for their medical bills as well as any legal fees that might result from the incident. This could leave you financially vulnerable. A solid boat insurance policy, however, will protect you from this risk. 

What Does Boat Insurance Cover?

Boat insurance will provide coverage in the following areas:

Property Coverage- If your boat is damaged or lost due to fire, natural disaster, or theft, your policy will pay to have your boat repaired or replaced. This is an important way you can protect the investment you made into the boat. 

Liability- If someone is injured on your boat or because of your boat, this type of coverage will pay for medical bills or legal fees that might result because of the accident. 

If you would like to learn more about our services, please contact us at Armorcrest Insurance Services, serving El Centro, CA.

Why should I get umbrella insurance?

Having an appropriate amount of personal liability insurance coverage is very important. For a lot of people that are in the El Centro, CA area, a great addition to your personal insurance plan would be to get an umbrella insurance policy. This is an additional form of personal liability that is a good option even if you have home and auto coverage. There are a few reasons why people here should get this type of insurance. 

Coverage for More Scenarios

A reason that many people continue to benefit from getting umbrella coverage is that it can provide them with liability coverage for more scenarios. While home and auto policies do offer some personal liability coverage, it is not always enough insurance to cover all risks that you may have. With an umbrella insurance plan, you will receive a wider range of coverage for situations that may not be protected by your current plans. 

Coverage for Large Liability Claims

Even if you are properly covered with home and auto policies, the coverage that you have will have a limit. If you are ever involved in a situation that results in excessive damages and you are responsible, there is a chance they could be beyond your current policies. By getting an umbrella policy, you will receive the coverage that is needed on top of these base policies. 

There continue to be many great reasons to get an umbrella insurance plan. When you are in the market for a new plan and you are in the El Centro, CA area, it would be wise for you to call Armorcrest Insurance Services. The team with Armorcrest Insurance Services understands the importance of proper liability protection. They can then help you build a policy that is ideal for your situation. 

Why do I need condo insurance?

Owning a condo is a good housing option for people that are in the El Centro, CA area. When you are looking for a condo in this area, you also need to think about your insurance needs. There are many reasons that the typical person here will need to get condo insurance. 

Condo Insurance Coverage is Required by Association

A reason that a lot of people need to get condo insurance is that it will be required by their association. The majority of condo owners will be part of a larger condo association. If you happen to live in one, you will want to follow the rules that have been established. A very common rule that you will need to follow surrounds your requirement to get insurance. Due to the benefits that it provides to you and all other owners, you will likely be required to carry condo insurance at all times. 

Condo Insurance Required by Lender

You will also want to get a condo insurance plan because your lender will require it. Mortgage lenders want to know that their collateral is protected as well as possible. Along with this, they typically require that borrowers have insurance and even escrow for the payments each month. This ensures that you will not have a coverage lapse, which could jeopardize their security.

You will want to spend time considering your condo insurance needs when you are looking for a new condo. When you are looking for a new policy in the El Centro, CA area, you should speak with someone that is experienced and that you can trust. The team with Armorcrest Insurance Services is a great resource for all your insurance questions and needs. When you call Armorcrest Insurance Services, you will get the guidance that is needed to choose the right policy for your situation. 

How Does Condo Insurance Work?

Insuring Your Condo

Like every other large asset in your life, your condo needs reliable insurance coverage. It’s an important part of being financially responsible, and the bank generally requires you to have it. If you have a condo and need to get it insured, call us at Armorcrest Insurance Services in El Centro, CA to talk to an insurance agent who can tell you more about condo insurance. 

Condo Coverage

Condo insurance coverage is similar to home insurance, but it has a few key differences. Unlike home insurance, it does not cover the entire dwelling. It covers only the inside of your dwelling. The exception to this is for those who have made changes to the outside of the unit. These improvements would be yours to insure and to take care of. 

Liability Insurance

Condo insurance also covers your liability toward third parties. That means that if someone is in your home and gets sick or hurt, you bear the responsibility for the fault. This could result in a lawsuit against you. With liability insurance to cover the incident, you don’t have to be sued and pay it all out of pocket. 

Possessions in Your Condo

Your condo coverage will also cover all of the possessions you have inside your unit. It’s a good idea to take a basic inventory of the items you own in case there is a calamity that ruins or destroys them. Take pictures around your condo, photographing each room that has your belongings in it.

Getting Condo Insurance

If you need condo insurance, or you want to switch companies for a new policy, contact us at Armorcrest Insurance Services in El Centro, CA. Make an appointment with an agent to discuss your needs and the type of coverage your bank requires for you to keep on your condo.

Am I required to carry commercial insurance in California

Owning a business in California comes with the same challenges as owning a business anywhere in the United States. Risks are part of any business and as a business owner, your job is to mitigate those risks as much as possible. Each business is unique and has its own unique set of risks but some risks are pretty universal to any business. Having a trusted insurance agent can help make sure you have the type of insurance you need to protect your business. Armorcrest Insurance Services in El Centro, CA strives to help our clients understand the meaning of protection and how to provide it for their business. 

Commercial insurance consists of many different lines. Only two of them are required by law in California. If the company owns vehicles, they need to be covered by commercial auto insurance and workers need to be covered by workers’ compensation insurance. While these are the only two kinds you are required to buy, there are several others you should have. 

Commercial property insurance protects the building you own or lease. It includes coverage of fixtures, equipment, and machinery. It also includes furniture, inventory, raw materials, and records. Some of the covered perils are fire, theft, windstorm, and vandalism. 

Commercial liability insurance is one of the most important types of coverage. It protects your business from legal action against it. No one likes to think about being sued but the reality is every business is at risk. It can be from someone hurt while visiting your property or by one of your products or services. It is more comprehensive than this in scope and offers wide protection. 

If you have questions about commercial insurance coverage at Armorcrest Insurance Services in El Centro, CA we have answers. Come by our office or give us a call and lets us give you a no-obligation quote. 

Do I need renters insurance in California?

In the state of California, there are a lot of great places to live. One area of the state that you should consider due to the nice weather and a strong local economy is El Centro, CA. When you come to this area of the state, you may choose to rent instead of buying a home. Renting is often a good idea as it provides you with more flexibility. If you are going to rent your home, you do still need to get a proper insurance plan. There are several reasons you may need to have renters insurance here. 

Required Under Lease

In the vast majority of situations, people that are in California are going to need to have a quality renters insurance policy in order to comply with their lease obligations. The landlord will likely have exact specifications that need to be met. In many cases, you will need to provide evidence of a full renter’s insurance policy before you move into the home.

Provides Necessary Protection

Another reason that you will need to get renters insurance is that it can provide you with the necessary protection you need to have peace of mind. With a renters insurance policy, you are going to receive liability coverage protection and coverage for your personal assets. Both of these forms of coverage could prove to be very valuable in some challenging situations. 

There are plenty of reasons why someone in the El Centro, CA area will need to get a renters insurance policy. If you are looking for this insurance coverage here, you should spend time speaking with Armorcrest Insurance Services. The team at Armorcrest Insurance Services can answer your questions and give you personalized guidance and support needed to choose a policy for your next home.