How Boat Customizations Affect Your Boat Insurance

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When you customize your boat, you alter it from the condition in which it was insured. That means it’s time for you to update your policy with Manteca Insurance & Financial Services to make sure your boat is still fully insured. 

What constitutes a customization that requires a boat insurance update? 

  1. A new paint job, including a mural or exterior paint
  2. Adding a new awning or replacing a preexisting awning
  3. Upgrading or altering the motor 
  4. Remodeling the galley or berth
  5. And more, ask your agent after performing any remodeling if it requires a policy update.

Why do I need to update my insurance policy?

You require updated insurance because your current policy only covers your boat as you purchased and insured it. Yes, your upgraded insurance may slightly increase your rate, but consider the alternative. If you don’t update your policy after spending money on customizations, none of your changes will be protected. That means that if you suffer an accident while on the boat, you will only be compensated for the original boat.

If something happens after you upgrade your coverage, you will receive compensation for covering the boat with the alterations, allowing you to purchase a new boat that is just as excellent as the one you lost.

Consider purchasing complete coverage when purchasing boat insurance. If you cause an accident, the liability insurance you purchase protects everyone on your boat as well as everyone on another boat. Property damage coverage covers any damage you make to another person’s watercraft. However, collision and comprehensive plans are required to protect your own watercraft.

Looking For Coverage in Central Valley, CA?

Contact Manteca Insurance & Financial Services to learn how to update your boat insurance and keep your watercraft safe on the lakes and rivers surrounding Central Valley, CA. Our agents are ready to help create a policy to keep you and your boat protected. 

Why Every Homeowner Needs Umbrella Insurance

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When it comes to protecting your home and your family, umbrella insurance offers invaluable peace of mind. As a homeowner in the Central Valley, CA area, you never know when an unexpected event could occur that requires financial protection. Umbrella insurance can help provide additional coverage above and beyond what is offered with typical homeowners, renters, or auto policies.

Protecting Your Assets Beyond Basic Coverage

Umbrella insurance is designed to supplement your existing coverage. That means it can provide additional protection for accidents or incidents that are not covered by your primary policies. This could include personal liability, legal fees, and medical expenses if you or a family member gets sued due to an accident on your property. It may also cover claims of libel, slander, or invasion of privacy.

Umbrella insurance can be a great way to protect your assets. It helps limit your financial liability if you are sued and found responsible for damages beyond the limits of your existing policies. It can also provide coverage for legal fees that might arise from defending yourself in court.

Peace of Mind

Having umbrella insurance gives you peace of mind knowing that your home and family are fully protected. It can help protect you from financial loss in the event of a major accident or lawsuit. By having umbrella insurance, you won’t have to worry about dipping into your savings should something unexpected happen.

How Much Umbrella Insurance Should You Have?

The amount of umbrella insurance you should have depends on the kind of assets you want to protect. Many people choose an amount that is three or four times their existing coverage. You can also determine how much umbrella insurance you need based on your risk tolerance and the value of your assets.

Reach Out To Us

For all these reasons, it is important for every homeowner in Central Valley, CA, and surrounding areas to consider purchasing umbrella insurance. Manteca Insurance & Financial Services can help you find the coverage that is right for your needs, so contact us today for a free consultation. With our knowledgeable agents, we can work with you to determine which policy suits your situation and ensure that you are adequately protected.

Give yourself the peace of mind that comes with knowing your home and family are covered. Contact our team at Manteca Insurance & Financial Services to learn more about the options available to you.

Should I get workers compensation insurance for my California business?

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The Central Valley, CA area continues to be a good area to run and own a business. If you would like to be a business owner in this region, you always need to make sure that you are getting the right insurance for the organization. One type of coverage that all people here should consider getting for their business is workers’ compensation insurance.

There are different reasons to obtain this coverage:

Support Employees

One of the reasons for having a workers’ compensation insurance plan is to ensure that your employees have support if they were to get injured while working. A workers’ compensation insurance plan offers coverage that can reimburse an employee for medical bills, therapy costs, lost wages, and other expenses if they get hurt or ill from working. Having this coverage can also help to reduce your business liability risks as claims will be made under the workers’ compensation plan. 

Meet Requirements in State

It is also important to get a workers’ compensation insurance plan to ensure you meet the requirements that are set by the state. Similar to other states, practically any business with employees in the state will be obligated to carry insurance. If you are not properly insured with this type of coverage, you can be penalized in a variety of ways. Carrying the proper amount can help you avoid these challenges. 

Manteca Insurance & Financial Services Is Here To Help

In the Central Valley, CA area, it is very important that you get the right insurance for your company. When you are looking for a new plan here, it would be wise to call our team with Manteca Insurance & Financial Services. There are a lot of important choices to make when looking for coverage, and our team can help you build a plan that protects your team and keeps you in full compliance. 

Why You Need Commercial Insurance For Your e-Commerce Business

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Commercial insurance is a crucial aspect of any business, including those that operate solely online. As an e-commerce business owner, it’s important to understand the potential risks and liabilities that you may face and how commercial insurance can protect you and your company.

Why Commercial Insurance

Protection From Personal Financial Loss

Commercial insurance can protect your e-commerce business from financial loss due to unexpected events. For example, if a customer were to file a lawsuit against your business for a product defect or false advertising that you sell, commercial liability insurance may cover the cost of legal fees and any settlements or judgments. Your insurance representative at Manteca Insurance & Financial Services serving Central Valley, CA can review this coverage with you in detail.

Protection From Data Breaches

Another important aspect of commercial insurance for e-commerce businesses is cyber liability coverage. As more and more transactions occur online, the risk of cyber-attacks and data breaches increases. Commercial liability insurance may help cover the cost of restoring lost or stolen data, as well as the cost of any legal action taken against your business as a result of a data breach.

Protection From Physical Loss

Commercial insurance can also help protect your business from loss of income due to unexpected events. For example, if a natural disaster were to damage your business office or warehouse, or disrupt your supply chain, commercial insurance may help cover the cost of the physical damage and, potentially, lost revenue.

Give Us A Call

Note that for certain commercial coverage, you may need specific addendums added to the policy. From liability and property insurance to cyber liability and business interruption insurance, there are a variety of commercial insurance options available to e-commerce businesses that can help provide peace of mind and financial security. Contact Manteca Insurance & Financial Services in Central Valley, CA for more information about e-commerce commercial insurance options.

When is it a good idea for a business to get workers comp insurance?

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If you are a business owner in the Central Valley, CA area, having proper insurance for your company should always be a top priority. When you are looking for insurance, it is important to consider your worker’s comp insurance needs. This is a unique form of coverage that ensures employees have insurance and financial support if they are hurt while working.

There are various situations when it is a good idea to get worker’s comp insurance:

When Looking to Comply with Requirements

One of the primary reasons a business should get a worker’s comp insurance plan is to ensure they are able to comply with requirements. A proper worker’s comp insurance plan is very important as it ensures that employees have access to financial and other resources if they get hurt while working. Due to its importance, having worker’s comp insurance is a requirement for practically all businesses in the state. If you are not insured, you can face serious penalization. 

When Trying to Protect Employees

Having a worker’s comp insurance plan is also important as it is a good benefit and a form of support for your team members. Finding quality and reliable employees is always hard. When you have them, ensuring they are protected is very important. If you have a worker’s comp insurance policy, it will give you the coverage necessary to protect your team. 

Contact Us Today

If you do live in the Central Valley, CA area, it would be wise to call the team with Manteca Insurance & Financial Services. There are a lot of important choices to make when looking for coverage, and Manteca Insurance & Financial Services will give any guidance you need to build an ideal plan. This can help ensure that you will be fully insured and remain in good standing. 

It’s Illegal to Drive Without Auto Insurance -Don’t Risk It

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Did you know that driving without car insurance is illegal in 48 states? Make sure you are in compliance. You risk losing your license and financial devastation in the event you are sued because of a traffic accident.

If you live in the Central Valley, CA area and are looking for auto insurance, Manteca Insurance & Financial Services is here to assist you with your needs. 

Why Auto Insurance?

Vehicle insurance is not only for cars. Trucks, motorcycles, and other vehicles are also covered. The primary use of auto insurance is to provide financial protection against bodily injury or physical damage if you are at fault in an accident while driving. It can also provide protection against theft, or damage to the vehicle from other events such as keying, natural disasters, weather events, or damage sustained by hitting stationary objects such as a tree or fence.

If you happen to be sued by another driver for your part in an accident, you could be faced with a financial disaster. Let’s say you live in a mortgage-free home, you risk losing that home if you don’t have the protection a car insurance policy provides.

The three main types of coverage you need to consider are:

Liability coverage is required in most states. Your state requires drivers to purchase at least the minimum amount of liability insurance as dictated by the state. Liability insurance covers property damage and bodily injury.

Collision coverage pays to replace or repair your car if it is involved in an accident with another vehicle. If your car has a lien, the lender will typically require that you purchase this coverage.

Comprehensive coverage pays for damage to your vehicle that is caused by incidents other than a collision. This would include falling objects, theft, fire, vandalism, or natural disasters. This coverage will be required if it has a lien on it.

Give Us A Call

Our team of insurance experts at Manteca Insurance & Financial Services in Central Valley, CA can provide a quote or answer any questions you may have. Contact us today and we will be glad to help.

How much RV insurance do I need?

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For full-time RVers, insurance is a vital part of protecting their mobile lifestyle. But how much RV insurance do you really need in Central Valley, CA? Manteca Insurance & Financial Services finds that the answer depends on several factors, such as the type of RV, how much you travel, and if you have significant personal assets that need protection.

RV Coverage: What You Need To Know

The type of RV you own will play a big role in how much insurance you need. In most cases, a class A diesel motorhome will require more coverage than a travel trailer, for example. Other factors that will affect your insurance needs include where you live (full-timers who travel frequently may want more coverage than those who stay stationary), what you use your RV for (recreational use vs. business use), and your personal assets (those with more to lose may want more coverage).

At the minimum, we recommend getting enough insurance coverage to protect any assets you have beyond your RV. If you are found responsible for an accident, you will be responsible for any financial requirements beyond what your insurance covers. So, if someone successfully sues you for $400,000 and your insurance only covers $100,000, then the remaining $300,000 will be your responsibility. The court may require you to sell assets like your house or investments to pay the remaining balance.

Contact Us Today

There’s no one-size-fits-all answer to the question of how much RV insurance you need in Central Valley, CA. It depends on various factors, including the type of RV you own, how often you travel, and what you use your RV for. Call Manteca Insurance & Financial Services today, and we can help you get the right coverage for your needs.

Is Motorcycle Insurance a Requirement in California?

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Motorcycle riding is a breathtaking escapade that warrants instrumental protection because it has unique risks. Regrettably, many motorcycle accidents culminate into a fatality, a situation that warrants complete protection if you are a motorcycle owner. Consult with our agents at Manteca Insurance & Financial Services in Central Valley, CA and let us help you choose the right policy and coverage amounts, giving you peace of mind on the road.

This insurance policy provides the following benefits:

Provides passenger protection

Passengers who board your motorcycle might not possess insurance coverage, exposing them to risks if they get injured on the road. With motorcycle insurance, they need not worry about injury and the prevailing payments. Motorcycle insurance pays for their medical expenses, assisting them in averting any financial distress after an accident.

Liability protection

Motorcycle insurance safeguards you if your bike causes injury to another party or damages their property. It caters to costs of medical expenses culminating from injuries inflicted after causing an accident and repair fees.

Protection of your motorcycle

Safeguarding your recently bought assets like a new or used motorcycle are vital. Collision and comprehensive policies shield you from prevailing damage inflicted on your property. Collision policy repairs or replaces your bike if it gets involved in a collision with other motorists. At the same time, comprehensive coverage shields your motorcycle from non-collision events like hail.

Get Motorcycle Insurance Today

Are you looking for a comprehensive coverage plan to protect you and your motorcycle? Please call us at Manteca Insurance & Financial Services in Central Valley, CA for more information about motorcycle insurance.

5 Things You Need to Know About Boat Insurance

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There are boat owners who don’t give much thought to boat insurance. After all, it’s just one more expense, and why worry about something until you need it? But the fact is, boat insurance is a crucial part of being a responsible boat owner. Consult with Manteca Insurance & Financial Services in Central Valley, CA to get guidance on this important coverage.

Here are five things you need to know about boat insurance:

1. You Need It

No matter how careful you are, accidents can happen. And if you’re involved in an accident on the water, boat insurance can help cover the costs of repairs or replacement. Even if you’re not at fault, you could be facing an expensive bill if your boat is damaged. It’s important to have boat insurance in place before you head out on the water.

2. It’s Not Just for Accidents

Boat insurance can also help protect you in the event of theft, vandalism, or severe weather. If your boat is damaged or destroyed by a covered event, boat insurance can help reimburse you for the cost of repairs or replacement.

3. It’s Not as Expensive as You Think

Many people assume that boat insurance is expensive, but that’s not always the case. In fact, it can often be quite affordable, especially when you compare it to the cost of repairs or replacement if something happens to your boat.

4. It’s Worth the Peace of Mind

Knowing you have boat insurance can help you relax and enjoy your time on the water. After all, accidents can happen to anyone. And if something goes wrong, you’ll be glad you have coverage.

5. Premiums and Limits Vary by Policy

When you’re shopping for boat insurance, be sure to compare premiums and limits. Some policies have higher limits than others, and some may even cover additional expenses, such as towing and storage. It’s important to choose a policy that meets your needs.

Get Boat Insurance Today

Now that you know a little more about boat insurance, it’s time to start shopping for a policy. Manteca Insurance & Financial Services in Central Valley, CA offers boat insurance policies that can provide the coverage you need at a price you can afford. If you’re looking for peace of mind on the water, be sure to give us a call. We’ll be happy to help you find the right policy for your needs.

How Does an Umbrella Insurance Policy Work?

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Umbrella insurance is a kind of personal liability insurance. It can be indispensable if you ever find yourself facing a claim larger than your home or auto insurance will cover.

At Manteca Insurance & Financial Services, we aim to help everyone in the Central Valley, CA area who feels that umbrella insurance may be a good choice for them. There’s no reason to settle for policies that may not fully protect you. An umbrella insurance policy will help ensure that you have what you need to handle claims when they arise.

Umbrella Insurance: What You Need To Know

Umbrella insurance policies cover not just the policyholder themself, but also other members of the family or household.

It’s always important, however, to make sure that you understand how the policy defines the household, so you can be sure you have the coverage you need. The incident need not involve your property or vehicle for your insurance to kick in and cover it either.

With umbrella insurance, you’re covered worldwide, except for cars and homes you may own under the laws of other countries.

Give Us A Call

Contact us today at Manteca Insurance & Financial Services to talk about umbrella insurance and if it’s a good fit for you. We’re committed to helping everyone in the Central Valley, CA area get the most out of their insurance and protect themselves in case of a lawsuit.

You shouldn’t have to worry about whether your home or auto insurance will be enough to cover incidents you or your family may find themselves in. We’re here to help you navigate the world of insurance, and will do our best to make sure you have exactly the policies you need.