Author: agentinsure

Three Reasons Why You Should Keep Your Motorcycle Covered

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As a motorcycle owner, keeping your bike covered is always important, regardless of the time of year. While it seems obvious for cooler months, it’s also important to maintain this practice all year long for the reasons below.

1. Prevent Environmental Damage

Leaving your motorcycle out in the open uncovered exposes it to the elements. Direct sunlight can be damaging, as can precipitation from rain or snow. Covering your bike protects it from sun damage, preserves the paint, and prevents rust from precipitation.

2. Security Protection

Many thieves and vandals target visible items. When you cover your motorcycle, it’s out of sight and could be out of mind for potential thieves. When a bike is covered, especially during the winter months, and tucked away, it’s less likely to be a target for damage or theft. If you cover your bike and later find it uncovered, you’ll know that there’s been a security breach and someone has been on your property.

3. Keep Your Bike Clean

When you cover your motorcycle during storage, you keep dirt and debris off the bike. This keeps it clean, will look fresh, and will keep the paint looking new on the bike. This will prolong the life of the bike and make it easier to clean when you do bring it out for riding once the weather warms up.

If you live in or around El Centro, CA, and own a motorcycle, your best protection is motorcycle insurance. Contact our team at Armorcrest Insurance Services today for your personal quote. We look forward to speaking with you soon.

Does Boat and Watercraft Insurance Cover Your Boat When Its Being Transported to the Water?

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If you’re a boat owner, you’ve likely wondered about the specifics of your insurance coverage—especially when your boat isn’t in the water. Transporting your boat to and from the marina or launch point is a common part of boat ownership, but is it covered under your boat and watercraft insurance? At Armorcrest Insurance Services in El Centro, CA, we’re here to break it down so you can hit the water with peace of mind.

Coverage During Transport

The good news is that most boat and watercraft insurance policies do cover your boat while it’s being transported, but there are some important details to consider. Typically, this coverage applies to damages during transit, such as towing accidents. However, there’s often a catch: your boat must be properly secured and transported using an approved towing method. If negligence or improper transport is involved, your claim could be denied.

What About the Trailer?

It’s important to know that while your boat insurance may cover the boat itself, the trailer used to transport it is usually not included. Trailer coverage is often offered as an add-on or may already be included in your auto insurance policy. Double-check with your insurer to ensure both the boat and trailer are adequately protected during transit.

Be Prepared Before You Tow

Understanding your policy is key to avoiding surprises. Ensure your boat is insured for transport, and if you’re unsure, contact your insurance provider.

Contact Armorcrest Insurance Services in El Centro, CA for personalized guidance on boat and watercraft insurance. We’ll help you navigate your policy and ensure you’re fully covered, whether your boat is on the water or on the road.

Umbrella Insurance Adds to Your Security

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Security and peace of mind matter; having the right insurance coverage can help with both. If you’re in the El Centro, CA, area and looking for an umbrella insurance policy, Armorcrest Insurance Services is here for you. We want to ensure you have the right type and level of coverage so you can feel good about the present and plan for the future.

An Umbrella Policy Increases Your Protection

You’ll have more protection when you add an umbrella policy to your coverage. This kind of policy works by giving you additional coverage if a claim exceeds the limits of another policy. That can happen with significant claims, especially if you have lower policy limits. By adding a strong level of umbrella coverage, though, you no longer have to worry about your insurance not meeting the value of a claim.

Enjoy the Benefits of Additional Security

Additional security is important for overall protection and peace of mind. You want to feel confident that you have the right coverage, and that’s easier when you work with an agent to find an umbrella policy that fits your lifestyle and goals. Focusing on other areas of life and not worrying about your insurance coverage is a great way to spend more time with the people and things you love.

Contact Us for a Policy Today

Contact us today at Armorcrest Insurance Services if you’re in the El Centro, CA area and looking for an umbrella insurance policy. Our dedicated insurance professionals will answer your questions and help you find the right coverage for your needs. There’s no reason to do without valuable and important protection when you have us to help you find it.

The Importance of Personal Liability Coverage in Condos

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Living in a condo combines the benefits of community and convenience. At Armorcrest Insurance Services in El Centro, CA, we aim to make your condo lifestyle as worry-free as possible. A key part of this is ensuring you have the right personal liability coverage.

Why Personal Liability Coverage Is Important

While your condo association likely has a master insurance policy, it usually only covers common areas and the building structure. Personal liability coverage protects you against claims of bodily injury or property damage that might occur within your own unit. For example, if a guest slips in your kitchen or you accidentally damage a neighbor’s property, this coverage can help manage the associated legal and medical costs.

What Does It Cover?

Personal liability insurance can cover legal fees, medical bills, and even settlements or judgments against you. It’s designed to protect your financial assets if you’re found responsible for an accident or damage. This coverage extends beyond your condo, offering protection for incidents that might occur off your property, like an accidental injury you cause while on vacation.

Peace of Mind

Having personal liability coverage means you can enjoy your condo life with less stress. It’s about safeguarding your future and ensuring unexpected events don’t lead to financial hardship.

Secure Your Coverage in El Centro

At Armorcrest Insurance Services in El Centro, CA, we’re dedicated to helping you find the best protection for your needs. Let us review your current policy or help you start a new one that includes comprehensive personal liability coverage. Contact us today, and let’s ensure your peace of mind for years to come.

How General Liability Commercial Insurance Can Protect Against Common Lawsuits

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Running a business in El Centro, CA, comes with inherent risks, and legal claims are one of the most significant threats to its financial health. General commercial liability insurance plays a crucial role in protecting businesses from common lawsuits that could arise from everyday operations.

Protection from Bodily Injury Claims

Businesses often face lawsuits when someone is injured on their property. Whether it’s a customer slipping on a wet floor or a delivery person getting hurt while dropping off goods, bodily injury claims can be costly. General liability insurance covers medical expenses, legal fees, and settlements related to these incidents, preventing your business from bearing the full financial burden of an accident. Negligence must be proven in these cases, but the time wasted in court is a concern.

Coverage for Property Damage

Accidents involving property damage are another common lawsuit risk. For example, if your business operations accidentally cause damage to a client’s property or neighboring business, general liability insurance will cover the repair or replacement costs. This type of coverage is especially important for businesses that frequently interact with clients on-site or off-site, such as contractors, cleaners, or repair services.

Advertising and Personal Injury Claims

In today’s competitive market, businesses also risk lawsuits related to advertising or personal injury claims, such as libel, slander, or copyright infringement. A negative comment in an advertisement or a misunderstanding involving intellectual property could lead to legal disputes. General liability insurance helps cover legal defense costs and any settlements or judgments arising from these claims.

Armorcrest Insurance Services Explains Everything Concerning California Insurance

Armorcrest Insurance Services provides the best explanations for answering your insurance questions. We serve El Centro, CA, and surrounding cities. Call today.

Do You Really Need Liability in Your Renter’s Insurance? Yes!

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When you’re a renter, it’s crucial to have insurance protection. Since you aren’t the owner, you don’t need home insurance. You don’t have to insure the home itself, but you do need to insure everything inside it. This is an essential way that renter’s insurance protects you. However, it isn’t the only way. Renter’s policies also come with a type of insurance that many people don’t think much about – liability coverage. Contact us at Armorcrest Insurance Services in El Centro, CA, to learn more. 

Liability and Renters

Many renters assume that if there’s an accident on the property, the property owner would be responsible for it. However, if you’re renting it, what happens there is your responsibility. It may seem like having liability insurance isn’t something that isn’t worth it, but it is. There is always a way for someone to have an accident in your rented home. Anyone could fall and get hurt, and you’d be liable. The accident costs would be yours to pay without the renter’s insurance. 

The Costs of Accidents

It can be costly when someone comes over and has an accident. The medical costs can be very high even if the injuries are relatively mild. A serious accident could be so expensive that it could wreck your finances. There may also be other costs that the renter’s insurance liability coverage could cover. These can include any legal fees the injured party has, the wages they lost because of the accident, and more. All of these can add up to a lot, so it’s never a good idea to go without this coverage that could make such a big difference in your finances someday.

Get Renter’s Insurance in El Centro, CA

When you need renter’s insurance, we’re here to help. Call Armorcrest Insurance Services in El Centro, CA. 

Protect Your Motorcycle with Insurance Solutions for You and Your Ride

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The open roads. The scenic and majestic views. The perfect climate. For many motorcyclists, it might seem like California was made for riders, and they might have a fair argument. However, riding without the right coverage and protection isn’t fair or safe. Of course, that means your protective gear, but it also means the right insurance for you and your bike. That is why so many motorcycle owners in and around the beautiful El Centro, CA area rely on the friendly and professional team of agents at Armorcrest Insurance Services for all their motorcycle insurance needs.

Insurance for Your Motorcycle and Your Ride

Motorcyclists typically have three primary concerns: their own safety, the safety of their bikes, and what other drivers are doing. The good news is that with the right motorcycle insurance solutions, motorcycle owners can rest assured knowing that at least their own needs and those of their motorcycle are covered.

As far as those other drivers are concerned, motorcyclists are always looking for drivers who aren’t looking out for motorcycles, but there are no guarantees on the road. That is also why there is insurance: so motorcyclists can enjoy their ride without worrying about accidents. Motorcycle insurance is for your bike and for peace of mind to enjoy your ride.

Motorcycle Insurance in El Centro, CA

Do you love the open roads and beautiful weather of California? Are you a motorcycle owner in or around the El Centro, CA area? If you have questions about motorcycle insurance or need coverage, our experienced and helpful team at Armorcrest Insurance Services is here for all your motorcycle insurance questions and, more importantly, all the insurance coverage solutions you need. Contact us to learn more and schedule an appointment today.

Three Ways To Secure Your Boat While Docked

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Owning a boat or any other type of watercraft comes with responsibility, especially when keeping your boat docked. If you want to ensure its security so it doesn’t float away or get stolen, here are three ways to keep it secure.

1. Use a Bowline Knot

One of the most secure knots for your boat is the bowline knot. This knot keeps the boat from slipping away while it’s docked. This is a particularly good option if you have your boat docked at a busy marina, where other boats may be coming in and out or there is a high level of traffic. Your knot needs to be secure so that it cannot be easily undone by a person or environmental conditions like rain and wind that could apply pressure and force.

2. Install an Alarm System

You can install an alarm system on your boat to prevent theft. These alarms can be controlled with an app on your phone and will emit a loud alert if someone opens a locked door on your boat or motion is detected. Some of these alarm systems will also notify authorities so that they can investigate the vessel if someone doesn’t have a code to disarm the alarm.

3. Choose a Secure Marina

Some marinas have their own security systems, with plenty of lighting and guards monitoring the docked vessels. Visitors will need a code to access their boat and provide proof of ownership, especially if they are new to the dock and haven’t met the security guards. Well-maintained and secure Marinas are your best options for protecting your boat while it’s docked.

If you’re in the El Centro, CA area and looking for a boat/watercraft insurance quote, contact our agents at Armorcrest Insurance Services today.

Why Umbrella Insurance Plans Could Become More Popular in the Years Ahead

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Many individuals and families are now adopting umbrella insurance plans to increase coverage for various events. It’s wise to take an in-depth look at your situation and potential risks. Then, you can work with an insurance agent to consider different umbrella insurance policies that could provide peace of mind and improve your overall financial security. If you live in or near El Centro, CA, and want to speak with knowledgeable insurance agents serving the area, contact Armorcrest Insurance Services.

A Quick Look at Umbrella Insurance and Why So Many Take-Out Policies

Umbrella insurance is often used to either expand or increase coverage. Let’s say a home insurance policy provides coverage for $100,000 for personal injuries that occur on your property. With how expensive medical care is, that’s actually not that much. So, you could take out an umbrella insurance plan to increase coverage from $100,000 to $200,000.

The personal injury coverage might also be limited. The policy might not cover damage caused by one of your pets, such as a dog. So, you may also be able to find an umbrella insurance policy that would expand coverage to cover dog bites.

The above examples are only for illustrative purposes, and it’s crucial to examine individual policies closely. However, rising overall costs, including property and medical care, make umbrella insurance more attractive. Local conditions, such as increasingly unpredictable and severe weather events, can also make such policies more attractive. Various other localized factors could be in play, so working with local insurance agents is smart.

Want to explore umbrella insurance policies? If you’d like to speak with insurance agents serving El Centro, CA, contact Armorcrest Insurance Services.

Do I Need Extra Liability Insurance for My Condo?

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The state doesn’t require you to have condo insurance for your El Centro, CA unit, but your condo homeowners’ association may require it. The same goes for specific policy provisions. Liability is a significant part of condo insurance policies that you may need before moving into your home. However, when do you need excess liability coverage? Armorcrest Insurance Services can help determine if buying extra liability coverage is a smart move for you.

Doesn’t the Condo Building’s Master Policy Cover Liability?

Yes, it does, but only to a certain extent. The master policy covers injuries and mishaps in the complex’s common areas, such as hallways, parking garages, clubhouses, etc. That’s true even if the individual injured is your guest. Yet, you are still responsible for any injuries that may happen to your guests that occur within your unit. Most condo liability coverage provides $100,000 to $500,000 in liability coverage.  Coverage typically includes:

  • Damage caused by pets
  • Damage you may cause to others’ property
  • Medical payments to those injured
  • Legal representation if you are sued

Some policies also provide protection if your association issues a special assessment if someone is injured in a common area.

Are My Policy Limits High Enough?

Condo owners who live in luxury buildings, are public figures, or have frequent parties inside their residences may want to consider higher liability limits. It’s important to consider the potential risks that these situations can pose. You may want to include a special provision covering injuries caused by your dog, even if you think your puppy is perfect. If you believe your limit needs to be higher, consider adding an umbrella liability policy.

Armorcrest Insurance Services, which serves El Centro, CA residents, can help condo owners determine when they need additional liability insurance. Contact our office today to discuss your needs.