Why Solid Fuel Burning Appliances are Risks

Solid fuel burning appliances, otherwise known in the insurance inspection industry as SFBAs, are considered risky by most insurance companies, especially in the commercial insurance industry. Learn why these appliances are risks for homeowners and business owners from Armorcrest Insurance Services in El Centro, CA.

What is an SFBA?

An SFBA is an appliance which burns a solid fuel. Solid fuel includes wood logs and wood pellets usually. These are the types of wood burning stoves that you usually associate with cabins or smokers. Often they are cast iron or potbelly styles. 

What to Look for

You always want to make sure there is a Utility Laboratories (UL) tag on the still. You also want to make sure that the flue is properly installed and secured safely where the metal stove pipe comes up through the ceiling and into the back of the stove. There should also not be any flammable material within at least a few feet of the appliance.

Why are SFBAs a risk?

Solid fuel burners can be considered a hazard because they have been attributed to structure fires. The slightest bit of negligence or oversight can cause a disaster which is a cost to the insurance company. Space heaters can also be risky though. This includes any electrical power device that produces heat in a living space in the home or business. If you are trying to save money and create more efficiency in your heating, then consider a central oil burning heat device. The problem with solid fuel burners is the amount of heat and the way it circulates. 

Beware of the risks associated with solid fuel burners and ask Armorcrest Insurance Services in El Centro, CA if something is questionable and may affect your insurance.

Common Myths about Renter’s Insurance

If your rent a home or apartment, it’s to your advantage to obtain renters insurance. Renters insurance from Armorcrest Insurance Services in El Centro, CA can protect your personal goods from unforeseen calamities like fire, water damage, or theft. Despite the benefits of this coverage, many people go without due to having misconceptions about coverage or costs. By separating fact from fiction, you can benefit from all that a renter’s insurance policy has to offer.

Myth: Renter’s Coverage is Costly

On average, you can obtain a renters insurance policy for a fairly reasonable price. By bundling your policy with your auto insurance, you could qualify for even lower premium costs.

Myth: Renters Insurance Is Not Worth the Price

If you think this coverage isn’t worth buying, consider all the goods you would have to replace out of pocket if you were to suffer a fire, water damage due to burst pipes, or break-in. Personal property coverage will protect your furniture, appliances, clothing, laptop, gadgets, jewelry, sports equipment, and more. If you can get help replacing one costly item, your insurance coverage would be worthwhile.

You can also obtain liability coverage under a renter’s insurance policy to help pay for medical expenses of family or friends if they have an accident while visiting your property.

Myth: Tenants are Covered under Their Landlord’s Insurance Policy

Your landlord’s property insurance protects his building, not your personal goods. If you want to protect your stuff, it’s up to you to get insurance coverage.

The bottom line is you never know when disaster will strike. Renter’s insurance puts you one step ahead of a potential catastrophe by providing you with the insurance coverage you need. To learn more about affordable renter’s insurance options and costs, talk to an Armorcrest Insurance Services agent in El Centro, CA today.

3 Ways to Protect Your Motorcycle from Theft

A motorcycle is a way to experience a type of freedom that a car just can’t bring. It’s probably one of your most prized possessions, even if you don’t use it all that often. But considering the portability and the desirability of motorcycles, they tend to be prime targets for theft. There are ways to decrease the odds of having your motorcycle stolen if you know where to start, courtesy of Armorcrest Insurance Services. 

Parking Your Motorcycle 

It might seem like a smart move to skip the valet and save the money in San Diego, CA, but parking your motorcycle where anyone can move it in the dark of night is too risky. You can lock your ignition, forks, and disc brakes but that won’t always stop a motivated criminal who knows they have the time and the darkness to be able to finish the job. 

Installing an Alarm 

Strong alarms will alert the people around your motorcycle that something is happening, but you may want to consider supplementing the alarm with a tracking device that can alert law enforcement of where your motorcycle is if the thief does happen to make off with your bike. (If you happen to sell your motorcycle, never let an unknown driver take off on their own.)

Reconsider Your Motorcycle Insurance 

An insurance company can’t stop a thief from taking your bike, but they can protect you from having to shoulder all of the costs of replacing or repairing your motorcycle if you happen to get it back. Armorcrest Insurance Services has been helping the people of San Diego, CA get the help they need to keep their motorcycles safe and sound while they own it. Give us a call today if you’re looking for motorcycle insurance that can fully shield your vehicle!

Why You Need to Insure Your Boat

Thinking about taking a cruise down the river or lake in California? If so, it’s crucial that you ensure that your boat has a valid insurance policy. Armorcrest Insurance Services in El Centro, CA is your trusted partner. They have the most reliable boat insurance policies to fit the type of boat you have.

The most incredible fact about these policies is that they are created to best suit your pocket and needs. Armorcrest will ensure that you enjoy a comfortable and worry-free cruise down the lake or the river. We have just the right policy for your type of boat, be it a houseboat, bass boat, or pontoon. The reasons for insuring your boat are:

Insurance against Storm Damage

Storms can occur unexpectedly; therefore, you may not get a chance to move your boat out of harm’s way. In such a case, boat insurance coverage could come in handy. It elevates any worries you could be having about leaving your boat at a dock.

Sink Retrieval Expense Insurance

Retrieving a sunken boat can be a pocket draining activity. Armorcrest boat insurance covers this process to the last dime thus reducing your worries.

Insurance against Accidents on Water

Unfortunately, just like on the roads, you can never vouch for the sanity of other boaters. Despite being careful and attentive, you can never be a 100% sure that an accident will not occur. Due to the fragility of boats, a presumably small accident can have disastrous effects. Our insurance coverage ensures that you never have to worry about this.

Our policies also offer protection to your cargo at a pocket-friendly price. For more information on our insurance policies, our agents are always ready and available to help you.

Armorcrest Insurance Services’ goal is to secure you financially from any unexpected occurrence. Thus, you can enjoy and have fun on the water while being safe at all times. For more information on watercraft insurance, contact our agents in El Centro, CA. We will answer your questions and help you get started on a policy.

When Should You Consider Umbrella Insurance?

Umbrella insurance is a type of insurance that is not very well known, but it is one of the best kinds of policies that you can get in a variety of situations. If you are not sure whether you should get this type of insurance or if you need it, be sure to use this guide from Armorcrest Insurance Services, serving San Diego, CA, today. 

When Should You Consider Umbrella Insurance?

  • When your house is worth more than your home insurance can cover – If your home is worth more than your home insurance can cover, please consider umbrella insurance to cover the remaining value of your home. You can only get so much home insurance, but you can have a whole lot of house. 
  • When you own expensive cars – Just like with home insurance, you can only purchase so much auto insurance. Umbrella insurance will take care of this gap to make sure you have full coverage on your vehicles, especially if they are expensive. 
  • If you like to throw parties – If you are someone who enjoys having people come over to your home, you could be opening yourself up to liability. Umbrella insurance can help provide this liability in the case that someone was injured at your residence during one of these parties. Your home insurance won’t provide the same type of coverage that you would need in this situation.

If you think that umbrella insurance may be the right option for you but do not know how much coverage you need, be sure to reach out to Armorcrest Insurance Services, serving San Diego, CA, today. We can help you find the right amount of coverage, the right policy, and make sure that it fits within your budget. 

The Importance of Condo Insurance in California

California residents are smart to purchase additional condo insurance that provides them with expanded coverage over that of the protection afforded them by the condominium board insurance or an HOA. While the building and common areas are likely covered by such policies, your individual unit and belongings will not be.

Armorcrest Insurance Services is here to guide you through the entire insurance process and help you secure the comprehensive coverage that you desire. Our agents are fully-trained and knowledgeable on the various types of condo insurance that is available and appropriate for their clients in the greater El Centro, CA area.

Additional Condo Coverage

Additional coverage that you obtain personally will work in tandem with the building’s Master Policy and help you to fill any gaps in necessary coverage. If you own a condo in the El Centro CA area,  Armorcrest Insurance Services is an informed choice for handling your coverage needs. Do not leave yourself or your property and personal belongings exposed to the risk of damage caused by fire, plumbing and other water issues, theft, or other unforeseen situations. Securing your own condo insurance will help you to rest easy knowing that you are covered in the event of a loss.

Proper coverage will also protect any improvements that you make to your unit or any damage that you may cause to another condo while doing so. Comprehensive coverage can also protect you from liability damages in the event that someone is injured in your condo. Sitting down with one of the agents at Armorcrest Insurance Services can help you to better understand where there may be gaps in the Master Policy provided by your Condominium Association and how to fill them.

The entire time at Armorcrest Insurance Services is dedicated to providing their clients the coverage they need!

Is Your Business at Risk for Cybercrime?

The short answer to the question of whether or not your business is at risk for cybercrime is an emphatic yes. The long answer is that you’re probably more likely to be attacked than you even realize. Armorcrest Insurance Services understands how devastating cybercrime can be for business owners of San Diego and El Centro, CA.

Hackers Are Everywhere 

In the days before computers, businesses mostly had to worry about immediate threats in their neighborhood. It makes sense that owners aren’t usually thinking about hackers who live millions of miles away trying to steal their customers’ financial information. But to cope with the reality of cybercrime, you need to understand that there is an untold amount of risk out there for everyone who has ever been online. 

Virtual Crime Is On the Rise 

It’s easy for criminals to commit cybercrime — probably far easier than you realize. Hackers don’t have to have advanced degrees or scientific genius. It can be as easy as buying a cheap skimmer device and setting it up on a credit card machine. Small businesses are exceptionally enticing for small-time crooks because they don’t have the same precautions as larger companies do. 

What You Can Do 

Commercial insurance can protect businesses from the worst of cybercrime, but you need to have the right policy to get the protection. If you live in San Diego or El Centro, CA, it’s time to give Armorcrest Insurance Services a call for more information today. We can not only help you see what your particular threats are when it comes to cybercrime; we can give you ways to help you avoid it and a chance to solve the problem if something does happen to you. 

Will your renter’s insurance cover damages caused by the negligence of another renter?

The agents who work at Armorcrest Insurance Services serve residents throughout the San Diego and El Centro, CA area. Each agent works with their client to help them find the best type of insurance for their lifestyle. This includes explaining the importance of having condo, homeowners, or renters insurance to make sure your belongings are sufficiently protected from loss.

What Is Renters Insurance?

Renters insurance covers your possessions but not the dwelling you live in. While you are renting, it’s up to you to maintain the interior of the residence, but it is not your responsibility to make repairs if damage occurs caused by someone outside of your home. Your renter’s policy will cover the cost of replacing your possessions if they are damaged or broken due to a fire, theft, or weather.

Will It Cover Someone Else’s Negligence?

If you live in an apartment, there is always the risk that someone else’s actions may cause damage to your apartment, and subsequently, your belongings. Your policy is designed to protect you from financial loss. For example, if a neighbor overruns their bathtub and the resulting damage extends to your apartment, your insurance policy may pay to replace your belongings and possibly cover the expense of a hotel if your apartment is uninhabitable.

If you live in the San Diego or El Centro, CA area and have questions as to how much renters insurance you need or how to convert a renters policy to a homeowners policy, call the agents of Armorcrest Insurance Services. They can help you determine the type of coverage that suits your needs and how much you need to be fully protected from financial loss. Get the answers you need to make an informed decision! Call today!

The Benefits of an Annual Motorcycle Insurance Review

Many only think about motorcycle insurance when they buy a new bike. However, there is an advantage to working with your agent at Armorcrest Insurance Services in El Centro, CA once each year to double check that you have adequate coverage.

Things to consider are:

  • Changes in Replacement Value – Most motorcycles go down in value over time, except for the ones that are kept as collector´s items. Collector motorcycles can go up significantly in value each year. Motorcycle insurance coverage should be adjusted up or down to reflect any changes in replacement value.
  • Moving to a New Location – Insurance rates reflect the experience of insurance underwriters in the place where you live and work (if you use your motorcycle to commute to your job). It is important to inform your insurance agent if you are planning a move because it can change your rates, and you want to be sure you are properly covered in your new home.
  • How Secure the Bike is Stored – Storing a motorcycle inside a locked garage with security cameras and alarms is obviously safer than leaving it parked outside. Tell your agent if you plan to change how your motorcycle is stored.
  • Custom Equipment – Many bike riders enjoy improving their motorcycles with custom equipment. Additional equipment raises the value of the motorcycle and you need additional coverage to keep up with its increasing value.
  • Proper Maintenance and No Accidents – Keeping your bike properly maintained to avoid accidents is a responsible idea. An insurance review should be part of regular annual maintenance.
  • Security and Anti-Theft Tracking – If you add an alarm system or anti-theft tracking that uses GPS to find a stolen bike, it may help improve your rates. Ask your agent to be sure.
  • Additional Riders/Users – Casual use by an occasional rider is not usually much of a concern unless they are very young; however, if you plan to allow another person to use your bike frequently, it is best to either have them added to your motorcycle insurance policy or have them get a policy of their own. Work with your agent to receive advice about your specific circumstances.

Contact Armorcrest Insurance Services in El Centro, CA if you need new motorcycle insurance or if it is time for an annual review of coverage. We are specialists in providing the coverage that you need.

Is Boat Insurance a Necessity?

There is nothing better than cruising down the river or lake on a warm, sunny day in El Centro, CA. Whether you are floating in a bass boat, speed boat, houseboat, or pontoon, spending time out on the lake is an excellent way to relax and just take it easy. What you need to know, though, is that regardless of the type of boat you are in, it needs to be protected with the right type of boat insurance. Let’s take a quick look at several reasons why you should view boat insurance as a necessity. 

Accidents Happen on the Water

Even if you are very attentive when cruising down the river, through a lake, or around the ocean, you never know when another boat driver may make a mistake and enter into your line of travel. This is why it is so important to have boat insurance. The smallest of an accident on the water can lead to disastrous damages to your boat. With boat insurance, though, you can rest easy knowing you are protected. 

Storm Damage

Do you leave your boat on the water at a dock? If so, then you know how rough the water can sometimes get in a storm. It is during these times that you need to make sure you have proper protection against any storm damage that may occur. With boat insurance, you will have the protection you need. 

Sink Retrieval Expense

The cost of retrieving a sunken boat from the bottom of a lake or river can cost thousands. With boat insurance, you don’t have to worry about covering this full expense out of your pocket. Always make sure when you buy a boat insurance policy that it covers this type of event. 

To learn more about boat insurance, contact Armorcrest Insurance Services serving the San Diego and El Centro, CA area. Our Armorcrest Insurance Services agents can help you start a policy right away.