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!

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.

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.

If you own a condo, it’s important to keep your premises in reasonably safe condition for the residents and visitors alike. Of course, you want to protect your investment as well. To do both, you will want to purchase condo insurance that covers you in the event of a disaster striking the condo and affecting its interior and exterior alike. If your dwelling is located in California, you will want to consider Armorcrest Insurance Services, which serves the El Centro, CA area and neighboring towns such as San Diego and Palm Desert.

Why Do You Need Condo Insurance?

Condo insurance, also known as condominium unit owners insurance, is required to cover personal property and areas of the unit that aren’t already covered by the insurance policy provided by the condo association. There are three different kinds of policies the association can offer, specifically one that insures only the primary building and common areas, one that covers the building and items that are not personal property, and a policy that insures the building, a particular unit, and any home improvements made to it. However, when you get a condo insurance policy from Armorcrest Insurance Services in El Centro, CA, you can enjoy even more peace of mind that your dwelling and personal property are protected in the event of a disaster.

If you are looking to purchase condo insurance for your home, get a quote from Armorcrest Insurance Services at your earliest convenience.

What Does California Condo Insurance Cover and What’s Not Covered?

Condo insurance in California provides coverage for all of the following:

• Theft
• Fire
• Lightning
• Windstorms
• Hail
• Freezing of the plumbing system

However, the insurance will not cover any of the following instances:

• Bodily injury
• Property damage
• Ownership, operation, maintenance or use of motor vehicles, aircraft, and watercraft
• Professional services provided or not provided

Our Staff is here to help guide you through the process of condo insurance and teach you what it includes. Reach out to one of our agents to address any questions or concerns you may have. Our office is open to visits, and we look forward to hearing from you soon.

Commercial insurance is extremely important for small businesses in El Centro, CA. If something negative were to happen to your business, you might not have the money to pay for the loss out of your own pocket. This may mean you have to shutter your business because of something that was out of your control. Commercial insurance helps to protect against these losses, helping you to stay in business. Here are three things Armorcrest Insurance Services thinks you should know about commercial insurance.

Commercial Insurance is Not Required

In most cities, commercial insurance is not required by law. However, this does not mean you should not have it. There are many benefits to having this type of insurance, especially if your cash reserves are low or you are struggling to build your business and turn a profit.

Commercial Insurance Covers Various Things

No two commercial insurance policies are the same. What they cover varies based on the policy. As such, you will want to carefully read your policy and see what is or is not covered. Never assume something is or is not covered.

Commercial Insurance is Often Called Business Insurance

There is no such thing as business insurance. If you hear someone using this term, odds are, they are talking about commercial insurance. The terms are used interchangeably because commercial insurance protects your business.

We know commercial insurance is important to small businesses. If you are in need of a new policy or are looking to get answers to questions you have, let Armorcrest Insurance Services, serving the greater El Centro, CA area, help. Call us now to schedule an appointment so we can discuss all of your insurance needs and put together a policy that is perfect for you.