Renters in El Centro, CA may not understand the importance of having renters insurance. However, there are plenty of benefits that can save you from a headache in the event of an accident or theft.

Protection from Theft: The money you put toward your renter’s insurance policy can provide you peace of mind that your items are protected from potential theft.

Belongings Away from Home: Your personal belongings away from home are covered for the perils you have listed on your policy. This means you are covered if your luggage gets stolen from your hotel room or items get stolen out of your car. This coverage is limited to a portion of the total coverage.

Protection from Damage You Cause: If you cause a fire in a rental that spreads to a neighbor’s rental then you are responsible for any damages unless you have liability insurance. Liability insurance will protect you from most of the damages you cause.

Protection from Visitors’ Injuries: If you have liability insurance and someone falls and gets injured at your rental home then your policy covers not only the cost of medical bills but also legal bills.

Dog Bites: Many policies can provide coverage if your dog bites someone, either on your property or away from home. Be sure to check your policy at Armorcrest Insurance Services. Some policies restrict coverage for certain dog breeds.

Legal Costs if You Are Sued: If you accidentally hurt someone or someone gets injured then the coverage pays for legal costs up the stated limit. You choose the limit when you get a policy in El Centro, CA.

Hotel Costs after a Disaster: If your home is undergoing repairs after a disaster then coverage pays for additional living expenses for your temporary living situation.

Contact Armorcrest Insurance Services to get a quote on renters insurance. 

A motorcycle is a great thing but you do want to make sure that you are fully protected no matter where you are driving your motorcycle. You do have to have an insurance policy on those bikes that are being driven on the road but do you have to insure bikes that are not going to go out on the road? For those in the El Centro, CA area, the agents with Armorcrest Insurance Services can help you to find the perfect policy for your bike.

Technically, you only have to have an insurance policy on those vehicles that are licensed and that can be legally driven on the road. If you do have a motorcycle that is not being driven on the road, you do need to remove the tag before you can drive it off road with no insurance. That being said, it is never a good idea to drive any sort of vehicle without insurance of some sort. You want to make sure that you are keeping insurance on any car or motorcycle that you might decide to drive on the road or that you want to keep licensed.

In order to license your bike, you do have to show proof of insurance. For those that are driving a motorcycle off road recreationally but that do not have it tagged, you do not have to have it insured even though it is a bad idea not to. Any damage that occurs to the bike as a result of something like a wreck off road is not going to be covered by anyone but yourself unless you do have some sort of insurance coverage.

For those in the El Centro, CA area, the agents with Armorcrest Insurance Services can help you to get the best policy for you.

In addition to having a boat insurance policy from Armorcrest Insurance Services, it is essential to maintain the quality of your boat. California boat owners who enjoy taking on the open ocean water know that over time, the saltwater can cause significant rust damage. If you have recently purchased a boat in the El Centro area and looking to get into boating, below are tips to consider for rust maintenance on your ocean watercraft.

Freshwater Rinse

Once you conclude your boat ride on the ocean waves and you return to shore, it is critical that you give your boat or watercraft a freshwater rinse to remove the excess salt water that is lingering on your boat. Leaving the salt on your boat will reduce the corrosion potential. You want to make sure that you wash all areas on the bottom of the boat thoroughly with warm water during the rinse.

Use Sponges During Washes

Once you have arrived home with your boat or back to its storage location, make sure to thoroughly wash down the boat with soap and water while using a sponge. Having the basic washing materials will allow you to remove the dirt and salt from the vessel, and prolong the steel and metal on the boat. Once a month, even if the boat has not been on the water, make sure to give it a thorough wash with a sponge to remove any external debris from the outside environment that could cause corrosion over time. 

Add Insurance Protection, Also

Obtaining a boat or watercraft insurance policy from Armorcrest Insurance Services will also assist boat owners in El Centro, CA to protect their investment. Call our agents today for more information and get the policy you need. 

Insurance coverage protects your valuable assets from financial misfortune. From the car you drive every day to the business it took you years to build, the right combination of insurance coverages can secure your future and ensure your family’s legacy.

However, there are times when your basic coverage isn’t enough. In these instances, an umbrella policy from Armorcrest Insurance Services could be the only thing standing between you and complete financial ruin. How can an umbrella insurance policy protect your El Centro, CA property?

Home Insurance

Whether you live in a condo or own a sprawling estate, residential property insurance pays for loss or damage to your residence and most of its contents. Sometimes, however, big events can cause you to lose everything. When that happens, your limits may not be enough to help you repair your home and replace all of your personal items.

Talk to your agent about adding umbrella insurance to your homeowner’s insurance. For a small monthly fee, you gain peace of mind that comes from knowing you’ll always have the cash to rebuild.

Commercial Policies

Your business needs special protection from a variety of common threats. Commercial property, auto, and general liability are a few of the important ways you can use to protect your enterprise.

Keep in mind, however, that many businesses are vulnerable to public opinion. An injury or accident can ruin your reputation and put your entire business at risk. When your cash flow is compromised due to a covered event, your umbrella insurance gives you extra funds to navigate through the tough times.

Customized Insurance for All of Your Important Assets

Talk to the agents at Armorcrest Insurance Services for personalized guidance on your El Centro, CA insurance needs. Let us show you how an umbrella insurance policy can help you keep your property safe.

Purchasing a condominium means you are a homeowner. HOA are homeowners associations you will belong to. There are members of the HOA that manage the insurance to keep common areas and the greater building maintained. There is insurance that covers the buildings. Having your own insurance that will cover individual needs not covered under the HOA is a wise move. Armorcrest Insurance Services serving El Centro, CA, can help you understand your HOA and recommend additional insurance.  

If you own or lease a condo, chances are you have some type of insurance. There are several different kinds of insurance that cover personal property and other unique aspects of condominium ownership. Here are 4 top insurances to consider for your condo.

Master Policy Homeowners

This is typical coverage many people will get. There are usually fees collected by the HOA. There are a few levels of coverage from minimum to maximum and they can cover basic structure and fixtures to full restoration of units.

Standard Liability Insurance

This form of insurance can help if you have guests or residents who have accidents in common areas around the property. It can be helpful if you may ever find yourself in a lawsuit as well.

Personal Property Coverage

Anything in your condo unit that is not a fixture, is personal property. Everything from electronics to household furnishing would be covered under personal property insurance.

Master policy deductible coverage

HOA insurances have seen increases in deductibles. This type of coverage can help reimburse you for high deductibles.

Speak to one of our representatives today at Armorcrest Insurance Services, serving El Centro, CA. There are a variety of options to insure your condo from personal property to particular types of insurance. We will be happy to assist you in finding the right coverage for your condo.

Health insurance in El Centro, CA can be a confusing insurance product and there are many myths that prevent people from getting the right kind of coverage.

Myth 1: You don’t get services until you pay the deductible.

Home and auto policies will require you to pay your deductible before your claim gets paid out, but this isn’t the case for health insurance. You do have to pay your deductible before an insurer will pay for services, but you can get access to free preventive services even before you meet your deductible. This can include screenings for cholesterol and blood pressure, as well as women’s health services.

Myth 2: Your health insurance won’t cover injuries caused by dangerous hobbies.

Health insurance will cover what is specified in your plan and it won’t matter how you got the injuries. There may be exclusions and some services that aren’t covered. This can relate to certain immunizations or infertility treatments. Exclusions will be listed in your policy so you will know in advance. Ask an agent at Armorcrest Insurance Services if you aren’t sure what is excluded.

Myth 3: You don’t need health insurance if you are young and healthy.

The best time to purchase health insurance is when you are younger and healthy since it can be hard to get insurance with a pre-existing condition. Even if you don’t think you will need health insurance, an accident can happen at any age.

Myth 4: All plans by the same provider are the same.

There will be different plans that are offered at varied price points. Some plans will cover more than others.

Myth 5: Health insurance will cover you no matter where you are.

Most health plans will want you to use medical providers in a network. You may have to pay more for out-of-network providers.

Contact Armorcrest Insurance Services, serving El Centro, CA, to get a quote on health insurance. 

If you are a property owner in the El Centro, CA area, one of the most important things that you need to do is carry proper home insurance. While a base home insurance policy is normally enough for most people, there are situations in which additional insurance is a requirement. In some situations, carrying additional flood insurance could be required. There are several situations in which having flood insurance could be required by you.

FHA Mortgage Requirement

One situation in which you will need to have flood insurance is if you have an FHA loan and are located in a flood zone. FEMA is a federal agency that updates a flood zone map on a regular basis. If you are in certain flood zones and have an FHA mortgage, you will be required by law to carry flood insurance. In many situations, the lender will also require that you have this escrowed on a monthly basis.

Other Lender Requirements

If you have a loan from a private bank, they still may require that you carry flood insurance. Mortgage lenders will underwrite each loan and property individually. If they determine that you are in a flood zone, or live in an area with heightened risk, they could require you to have additional flood insurance as well. This will protect their collateral and may need to be included as part of your escrow payment as well.

If you would like to learn more about your flood insurance needs or requirements, you should speak with the team at Armorcrest Insurance Services. The professionals at Armorcrest Insurance Services can help El Centro, CA area homeowners better understand their requirements when it comes to flood insurance. They can then help you get into a flood insurance policy that will properly protect your home and ensure you stay in compliance with all requirements. 

When it comes to home insurance add ons, there are a number of options you need to consider. However, one of the most important additions to your current policy may be flood insurance. Flood insurance has the ability to protect your property in ways other forms of insurance cannot. So if you live in or around El Centro, CA, Armorcrest Insurance Services is here to help educate you on whether you need flood insurance. 

Protecting You Where Traditional Insurance Doesn’t

As the name suggestions, flood insurance covers you in the event of a flood. So if there is a major storm, if there is an earthquake off the coast and tidal waves surge into the state, or if there is an earthquake which makes cause other waterway issues, flood insurance covers these issues. 

However, flood insurance covers more than just a natural disaster. It also covers you in the event of a water line bursting. It’s possible a water line might break within your property and flood not only inside of your home but the exterior of your property as well. Regular home owner’s insurance usually does not cover this. Thankfully, flood insurance does. This way, you can go about replacing the damage without draining your bank account. 

There are a number of available insurance options you need to consider with regards to your property. One of these options is flood insurance. Flood insurance doesn’t just protect you during a flood. It also protects you should your water line break or if you have other water damage problems as your current property insurance may not cover it. If you live in or around the greater El Centro, CA area, now is the time to contact Armorcrest Insurance Services today to find out more. 

When you buy a condominium in El Centro, CA, you’ll join a homeowners association (HOA), which is a group of similar property owners your shared-space environment. HOA members set rules for your condo complex and handle the upkeep of common areas and buildings. The HOA has insurance coverage paid by HOA member fees that cover risks to those buildings. However, you should also have your own insurance to cover items like personal property and risks to your own condo that the HOA insurance doesn’t cover. Armorcrest Insurance Services has compiled a list of HOA questions you should ask to ensure you are properly protected. 

What Kind Of Insurance Does Your HOA Have? 

Most HOAs have a condo master policy that covers everything outside of your unit, leaving you to cover everything inside, such as your possessions, and structural elements such as floors, walls, cabinets, and fixtures. However, some HOAs have all-in coverage, meaning that common areas and buildings, and the structural elements in your unit are covered, too. In that case, you would only need coverage for personal property such as clothing, electronics, appliances, etc. 

Does the HOA Insurance Cover Liability? 

Most condo master policies cover guest injuries that occur in common areas like the gym, tennis court, or pool, but not guest injuries that occur in your unit, or a tennis court. Most condo owners need the extra protection of personal liability coverage.  

Have You Read The HOA Insurance Policy? 

Ask your HOA for a copy of their master insurance policy and read it carefully. This will help ensure that you won’t be in for any unpleasant surprises if an incident occurs in your unit. It will also help you determine what condo coverage you need to protect yourself.

For more information about how to find the best insurance protection for you and your El Centro, CA condominium, call the insurance experts at Armorcrest Insurance Services today.

If you are a small business owner, there are many different ways that you can spend your business capital. One way that you should look to invest would be by getting a quality commercial insurance policy. When you invest in a quality commercial insurance policy, you will be providing varieties of different types of coverage to your organization. This simple investment can help to improve the stability of your company and increase its likelihood of longevity.

Protects Against Liability

When you run a business, you need to make sure that you are covered for any potential liability that you have. Since you are taking on risk whenever you serve a customer, having a full liability insurance policy in place will give you the protection that you need. The insurance company will not only provide you with financial protection but will also provide services when it comes to fighting and negotiating any lawsuit.

Gives Protection to Employees

If you have employees in the state of California, you likely will be required to carry workers compensation insurance at all times. This is a unique type of insurance that will provide coverage to your staff if they happen to be injured. Since your employees are very valuable resources, providing them with this type of insurance coverage is a great investment in the future of your company.

When you own a business in the El Centro, CA area, it is important to speak to an expert about commercial insurance. The team at Armorcrest Insurance Services will be able to help you better understand all of your commercial insurance needs and options. This will ensure that you are able to pick the best commercial insurance policy possible and that your business is properly covered for the risks it takes on.