What Actions Will Invalidate Your Boat Insurance?

Boat insurance helps to protect your watercraft and minimize financial complications. However, many things can invalidate your policy. So please learn more from us at Manteca Insurance & Financial Services Central to learn more about how policies can help your Central Valley, CA watercraft.

Things That May Invalidate Your Boating Insurance 

Many actions and activities can invalidate your boating insurance policy and cause serious financial complications. Just a few to consider include:

  • Unlicensed Repairs – If you perform upgrades or repairs to your boat without working with a licensed professional, there’s a good chance that you will invalidate or even void your insurance policy. This may even be as simple as adding a fish finder to your boat without proper help.
  • Driving While Drinking – Your boating insurance policy will not cover any damage or problems that occur if you were drinking alcohol (or taking other substances) while riding your boat. This problem is one of the most common because many people like having a few drinks while boating. 
  • Leasing Your Boat to Another – If you sub-lease your boat for use during the summer, you might find that your policy won’t cover any damage they cause. This problem is not the case if someone else is just driving your boat without leasing it.

These actions are things that you should avoid whenever driving any vehicle. However, they will impact the quality of your boating insurance and cost you serious money if you get caught. 

Find a Policy That Works for You 

Please reach out to us at Manteca Insurance & Financial Services Central to learn more about the boat insurance options available for your Central Valley, CA watercraft. Our team will take the time to help you understand your options and ensure that you are appropriately covered.

What is umbrella insurance and why do I need it?

Liability insurance is something that protects you from legal actions against you. Suing is at epidemic proportions and the chances that you will be sued at least once in your lifetime are very good. Very good is the wrong way to express this since getting sued is anything but good. Manteca Insurance & Financial Services in Central Valley, CA is committed to providing personalized customer service and a lot of choices.

Umbrella insurance is excess liability coverage. It can be added to any policy that you already have with liability coverage. Many policies have liability coverage including auto, home, condo, renters, boat, RV, and motorcycle to name just a few.  You can’t just buy umbrella insurance unless you already have a policy with liability coverage. 

Many people think that you need to be wealthy to benefit from an umbrella policy. Nothing can be farther from the truth. No one is immune from having a civil suit filed against them. About 10% of homeowners are sued yearly, and you have about one in three chances of being sued in your lifetime. 

Civil suits can be very expensive to fight legally and the size of judgments has been growing. Depending on the amount of liability coverage you have on your primary policy, you could be sued for more than your maximum. That is where the umbrella comes into effect. After the initial amount is maxed out, the umbrella will continue to cover up to the limit of the umbrella. It protects your assets from being attached to pay for a suit against you. It could make all the difference when it comes to protecting what you have worked so hard to accumulate. 

Contact Manteca Insurance & Financial Services in Central Valley, CA when you are ready to discuss umbrella insurance and how you can benefit from it. 

Two income families and life insurance

Life insurance is designed to give you peace of mind and to protect those you will leave behind when you pass away. Some types of life insurance provide other benefits besides the death benefit, but the death benefit is what most people are interested in, When you are ready to discuss what your needs for life insurance are, we are here to talk. At Manteca Insurance & Financial Services in Central Valley, CA, we have been helping clients for seventy years. We represent them and offer some top carriers in the business. 

When a family has two incomes, the need for life insurance is different from a one-income family. Both parties need to have their incomes replaced in the event of their death. The days of the stay-at-home spouse are if not quite gone at least much less common. Many families require two incomes to maintain their lifestyle. If one part of a dual-income family passes away, it might prove to be very difficult for the other party to continue as in the past. 

You may not like to think about the possibility of dying or even worse, losing your partner, but the reality is about 5% of children in the United States lose a parent before age 15 and 70% of families will have to file for bankruptcy after losing the breadwinner. Even with two breadwinners, the possibility exists of having to change homes, schools, and lifestyles making death even harder to bear. 

Both partners in a two-income family need to have life insurance and coming up with an affordable way to protect your family may require the help of an insurance agent. In Central Valley, CA contact Manteca Insurance & Financial Services to discuss the life insurance options that are best for your two-income family.

Who can be on your auto insurance policy

California has more licensed drivers than any state in the union, with more than 26 million. That is a lot of potential for having an accident. Making sure you have the auto coverage you need is important for your financial future. At Manteca Insurance & Financial Services in Central Valley, CA, we have been meeting the needs of our customers for more than 80 years. We are dedicated to ensuring you have the right amount of protection to keep you safe no matter what happens.

Auto carriers are generally speaking pretty flexible when it comes to who can be on your policy. They are designed to list the vehicle owners or vehicles, which can be you and your spouse, you and your partner, your children, and pretty much anyone related to you and lives in your household. In extended families, that can be nieces and nephews, aunts and uncles, grandparents and grandchildren. But, you can’t put someone on your policy who doesn’t live with you. 

One major and common exception to the rule of living in your home is a child of yours who is away attending college most of the year. If they still use your address as their permanent address, then your carrier should allow you to keep them on your auto insurance policy. 

Non-family members can also be added to your auto policy depending on which carrier you use. If you have a caregiver or nanny living in your home and uses your vehicle regularly, you can add them to your policy. It may not be necessary, though, since if they have your permission to use your vehicle, they will be covered in the event of an accident. 

If you are looking for auto insurance Manteca Insurance & Financial Services in Central Valley, CA, is an independent insurance agency with an experienced team to help you. 

Here’s How Motorcycle Insurance Works in California

Motorcycles are quite popular in California. Warm weather and traffic congestion make motorbikes a popular choice for sports riders and daily commuters too. Before hitting the road, motorcyclists need to make sure they have the proper insurance coverage to protect their property and to cover any liabilities should an accident occur.

The Californian state government requires motorcycle owners to carry insurance and also stipulates specific minimum liability coverage levels. If you ride a motorbike without insurance, you could end up on the wrong side of the law. Get in touch with Manteca Insurance & Financial Services, which serves Central Valley, CA, if you have any further questions!

Understanding Motorcycle Insurance in California

California requires motor vehicle operators to carry specific liability coverage maximums, meaning insurance will payout until a certain amount. Generally speaking, vehicle insurance offers different liability coverages to pay for different costs. For example, property liability costs are separate from bodily injury liabilities.

As for body injury liabilities, when operating a motorcycle in California, you need to have at least $15,000 in liability coverage for injuries to one person and at least $30,000 for two people. Medical bills, especially from a motor vehicle accident, can be very costly, and many drivers choose to increase liability coverage.

Further, California also requires motorcycle drivers to carry at least $5,000 in liability coverage for property damage. If you damage someone else’s vehicle, this coverage will help cover repair or replacement costs.

The above numbers represent minimums. Many California motorcycle owners take out additional coverage to pay more expensive bills. Medical bills from a car accident may exceed $30,000. If someone suffers a permanent injury, such as paralysis, costs can quickly pile up.

Further, the above minimums do not provide coverage for your property. You’ll need to take out additional insurance coverage to protect against damage to your own motorcycle. You may need to purchase additional coverage to cover theft, weather damage, and other things. Also, bodily injury insurance covers other people, but typically not your own medical bills. Again, separate coverage may be needed.

Have questions about motorcycle insurance in California? Contact Manteca Insurance & Financial Services, which serves Central Valley, CA.

How Does RV insurance Work In California?

A recreational vehicle (RV) is much more than a financial investment. It’s an investment to a world of fun, stacking up memories, and a path of limitless adventures. But with all the fun that comes along with an RV, this investment needs protection. You have probably saved for many years to buy your RV, and as such, RV insurance must be a priority.

RV insurance in California

In full, RV means recreational vehicle. So, in short, an RV is a vehicle, and, therefore, it’s mandatory to insure it as per California laws. To note, however, there are different types of RVs, and not all require RV insurance. For instance, towable RVs are covered as part of auto/trailer insurance (because they are attachments) instead of RV insurance, which covers motorized RVs that also serve as living quarters.

What RV insurance options are you likely to find in California? 

When you partner with Manteca Insurance & Financial Services in Central Valley, CA, we will introduce you to the below RV insurance options.

  • Liability coverage: It’s mandatory in California and covers you against damages and bodily injuries caused to third parties. 
  • Personal injury protection (PIP): Pays for medical expenses sustained by you or your passengers in a vehicular accident.
  • Collision insurance: Pays for damages or replacement of your RV in case of a collision.
  • Comprehensive insurance: Covers your RV against non-collision damages or losses. This insurance safeguards you against fire, theft, vandalism, and other perils stated in your policy.
  • Roadside assistance coverage: This comes into play when your RV stalls on the highway, and you need gas delivery, battery jump-starting, towing, puncture repair, and other roadside mechanical repairs.
  • Full-time liability insurance: Works like homeowners insurance and is appropriate for California residents who reside wholly in their RVs.

We know that getting an agent that takes care of your RV insurance needs can be challenging. But at Manteca Insurance & Financial Services, we wouldn’t want Central Valley, CA residents to suffer while sourcing insurance for their RVs. That said, contact us today, and our team of experts shall walk you through various RV insurance options and help you select those that fit your budget.

Why should I get a boat insurance plan in California?

Those that live in the Central Valley, CA area will find that the summer months can be long and warm. To ensure that you can enjoy the summer as much as possible in this part of California, getting a boat can be a great option and investment. If you are looking for a boat here, you also need to consider your insurance needs. Having a boat insurance plan should be a top priority for owners for a few reasons. 

Get Protection for Boat

A reason that you should pursue a boat insurance coverage policy is that it will give you protection for your boat. If you buy a boat, it will be an asset that you want to last for a very long time. If you do not have insurance, the risk of boat damage or theft could put your plans in jeopardy. Fortunately, you can mitigate this risk with boat insurance. 

Liability Protection

You may also want to get boat insurance for the liability insurance protection it provides. As a boat owner, there is always a risk that you could cause an accident that results in damages. Since you will need to cover these costs, getting insurance is a good option as it will include a component for liability insurance protection. 

If you would like to get a boat insurance plan and are in the Central Valley, CA area, it would be wise to call Manteca Insurance & Financial Services. When you speak with the team at Manteca Insurance & Financial Services, you can learn a lot about how well this insurance can protect you. The team here can help you assess your needs and give you the support you need to build a plan that provides proper risk coverage. 

Who should buy umbrella insurance in California

You buy insurance policies to protect various aspects of your life, such as your home, businesses, and vehicles, but have you ever thought about a policy that focuses on you? Personal umbrella insurance is designed to protect you, your family, and your assets, especially in the event of a lawsuit. If you live in Central Valley, CA, you may want to consider purchasing umbrella insurance for the following reasons.

You Are Driver

Many things can happen when you are behind the wheel, and sometimes it doesn’t matter how skilled you are because you never know who you will meet on the roads. It could be a careless or uninsured driver. That’s why Manteca Insurance & Financial Services recommends buying both umbrella and auto insurance. If your auto insurance policy gets depleted, umbrella insurance can come in and settle the rest.

You Are a Parent To a Toddler, Teenager, or Pet Owner

If you have children in your home, you can easily find yourself facing harsh lawsuits for accidents such as car scratching, breaking a neighbor’s window, your dog biting your neighbor, or your child beating other children in school. For this reason, you want to make sure that your umbrella insurance can save you and your family.

You Interact With People

If you are a social person, the chances are that there will be conversations that won’t go well. Whether you are chatting on Facebook, Twitter, or face-to-face, insulting someone can land you into serious trouble for slander, libel, or defamation of character. You will need umbrella insurance to pay your defense fees and other legal fees.

You Own Businesses and Property

You are responsible for anything that happens at your business premises or property. Besides the typical slip and fall, more sinister accidents can happen, such as a person being killed, fire, or theft.

For more information about umbrella insurance, contact Manteca Insurance & Financial Services in Central Valley, CA today!

 

How much life insurance do I need

Life insurance is a way to provide a safety net for the people who love and depend on you. It can make all the difference in what will already be a challenging time. You might even say this is your final gift to your loved ones. How much life insurance you need is something very individual, and having an insurance agent you know, and trust helps. When you are looking for an independent insurance agent, you can trust our team at Manteca Insurance & Financial Services in Central Valley, CA is here for you. 

When determining how much life insurance you need, many things factor in. Age, marital status, dependents, and financial situation. Life is risky, and you need to consider your risk level.  

Age

The fact is, life insurance is less expensive when you are young and healthy. You may get life insurance through your employer. If you have no dependent or financial responsibilities such as a mortgage, this may be adequate. But if you have trouble saving, a whole life policy purchased at this age makes sense. 

Marital status

If you are married, you have more than just yourself to consider. You need to assess your spouse’s situation if you were no longer there with your paycheck. Would they be able to maintain their current lifestyle?  

Dependents

If you have children or dependent relatives, you have something else to consider. How many years would they need to be maintained?  How much of their maintenance would life insurance have to provide? 

Financial situation

If even your final expenses would be impossible for those you leave behind to pay, you need to have enough life insurance to make sure this is covered. 

At Manteca Insurance & Financial Services in Central Valley, CA, we want to sit down with you to determine how much life insurance you need and can afford. Contact us to set up an appointment. 

3 Tips for Buying Auto Insurance in California

Before you drive your first car in Central Valley, CA, you need auto insurance. Chances are, if you’re reading this, this is the first auto insurance policy you’re purchasing. If so, you are probably wondering whether you can afford it and even where to start. Don’t worry. The reputable agents at Manteca Insurance & Financial Services have put together three easy tips for you to follow. Read on to learn more.

1. Compare Several Quotes

Choosing an auto insurance policy after viewing just one is not recommended. Instead, you’ll want to use a reputable agent to help you compare at least three quotes. You’ll be looking at the different coverage options in your budget. This is a great time to ask all the questions you have before making a final decision.

2. Bundle Your Policies

Do you have other insurance policies, such as renters, homeowners, or life? If so, your reputable agent can quickly help you bundle those policies under one insurance carrier for maximum savings on your premium. 

3. Work with a Reputable Agent

Lastly, we recommend working with a reputable insurance agent to ensure these tips are put to good use. Our agents serving the Central Valley CA area are standing by to take your call and work with you through the auto insurance buying process one step at a time. He or she will ask you a few questions, such as your budget, model of your car, cost, and so on, to find the best quotes for you to compare and bundle. 

Are you ready to purchase your first auto insurance policy? Do you need to renew one or make a switch? Call Manteca Insurance & Financial Services group to speak with a friendly, reputable agent to get started.