Do you have the motorcycle insurance you need to protect your passengers?

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Does your motorcycle policy have the right amount of liability and medical expense coverage? Manteca Insurance & Financial Services can help you answer that question. We are proud to provide the greater Central Valley, CA community with all of its insurance needs. Give us a call today if you want to make sure you have the protection you need.

Is it time to review your motorcycle policy?

Having the right motorcycle insurance goes beyond protecting your bike. Making sure that you have both the liability and the medical expense coverage that you need is just as important. Now is a great time to review your motorcycle insurance policy to ensure that you have the coverage that you need.

When it comes to personal liability, the more protection your insurance offers, the better. You don’t ever want to be held responsible for damage or injury that could occur with your motorcycle. Passengers are another potential liability. If you are involved in an accident that causes injuries that require medical care, you will want to have coverage for those expenses. 

It does not take long for liability and medical expenses to add up. Without the right level of protection, you could find yourself in a position where you are personally responsible for any monetary damages. Don’t let this happen to you! Make sure you have the coverage you need to protect yourself.

Give us a call or stop by today!

Manteca Insurance & Financial Services is here to answer all of the insurance questions that residents in the Central Valley, CA area may have. If it’s time for you to review your motorcycle policy to ensure that you have the coverage you need, give us a call today!

4 Benefits of RV Insurance

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If you have a recreational vehicle in Central Valley, CA, you need to think about RV insurance because it protects your asset when parked on the road. And since your RV doesn’t come cheap, you can’t afford to live without RV insurance. Here are the four benefits of buying RV insurance from Manteca Insurance & Financial Services.

Protects your asset

Like standard vehicles, your RV encounters several risks while on the road. RV insurance protects your motorhome or campervan when it suffers physical damage following a collision on the road. And that’s not all. RV insurance protects your RV when it suffers damage or losses from a non-collision peril, such as theft, fire, vandalism, and natural disasters.

Liability protection

Irrespective of how careful you are on the road, accidents can happen. And when you are at fault, you could be responsible for bodily injury and property damage caused to third parties. Without liability coverage, your finances can easily be ruined. However, you don’t need to worry about third-party costs when you have invested in liability coverage.

To comply with the law.

You are expected to invest in RV insurance like your vehicle if your RV is motorized. Otherwise, you may face stiff penalties, including license suspension. Why go through this when you can get affordable RV insurance from Manteca Insurance & Financial Services?

Peace of mind

Want to enjoy your time in the RV to the maximum? You need to invest in RV insurance to protect you wherever the fun takes you. RV insurance gives you peace of mind, knowing that you are protected in case of any mishap.

RV insurance in Central Valley, CA

Need to protect your RV with a proper insurance policy? Why don’t you get in touch with Manteca Insurance & Financial Services? We offer affordable and tailor-made RV insurance coverages. 

Is it time to review your boat policy?

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Manteca Insurance & Financial Services is here for the Central Valley, CA community. If you have questions about your insurance options, we are here to help! Give us a call today to set up an appointment to review your boat insurance policy.

Make sure your boat policy provides the coverage you need

When it comes to owning a boat, there is a lot of work that comes with it! Boat owners have a lot of fun out on the water, but they must also ensure that their boat is protected. 

If you have owned your boat for a while, or you are considering buying one, it’s important to have the right insurance. We recommend that our boat-owning clients take a close look at their policies on a regular basis. Reviewing your policy every year can help you make sure that you have the protection you need.

Buying and maintaining a boat is an expensive undertaking and it may be tempting to cut corners when it comes to insurance. We think that it only makes sense to have appropriate coverage for your investment. If you think it’s time for you to upgrade your policy to one that provides more robust coverage, give us a call today!

There’s no reason why you can’t find a boat insurance policy that meets your needs and is in line with your budget. Having a basic policy may not be the right answer for you as it may not give you the protection you need.

Let’s review your boat policy today!

The team at Manteca Insurance & Financial Services is here for the residents and boat owners in the greater Central Valley, CA area. If you would like to learn more about your boat insurance options, call or stop by our office today!

Understanding umbrella insurance and its benefits

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The team at Manteca Insurance & Financial Services is here to help all of our commercial clients in the greater Central Valley, CA area. If your company’s insurance needs haven’t been directly addressed in a while, it’s time to set up an appointment for a complete policy review. 

The many benefits of umbrella insurance for local companies

Protecting your business is a top priority. And, with an umbrella insurance policy, obtaining that goal is even easier. Primary commercial and property policies typically come with policy limits and maximum payout levels. This means that if your business files a number of claims or suffers a major catastrophic event, your primary policy can be wiped out.

That is when an umbrella insurance policy will come into play. If and when your primary policy is exhausted, you will be able to access your umbrella policy to file a claim. If your company has been growing steadily, your insurance needs have likely grown as well. Don’t fall behind with your coverage! An annual review is an effective way to ensure that the insurance that you have in place is adequate to your needs.

Having an umbrella insurance policy in place can help you continue your business even if you suffer a covered loss. Knowing that you have the protection in place before you need it, can help you focus on your core business. Find out more about umbrella insurance from your local agent today. You’ll be glad you did!

Learn more about umbrella insurance today

If you are a business owner in the greater Central Valley, CA area, you can rely on Manteca Insurance & Financial Services for all of your commercial insurance needs. Give us a call today to schedule a consultation. We look forward to working with you!

Life Insurance Basics

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Although life insurance can feel like a morbid topic, we at Manteca Insurance & Financial Services in Central Valley CA know that ignoring it can cause great harm to our loved ones. To help get you started, here is a quick rundown of life insurance basics.

Life Insurance Key Terms

Life insurance is a type of insurance policy that pays cash to someone when the named person on the policy dies. The beneficiary is the person who receives the death benefits, or cash payout. The two main categories of insurance are term life insurance and whole life insurance.

Term Life Insurance

This type of insurance lasts for a set period of time and provides a payout if death occurs during that time. Its benefits are clear and straightforward, and it costs much less than whole life insurance. The downside of term life insurance compared to whole life insurance will become more apparent in the next section.

Whole Life Insurance

With whole life insurance, the policy has no end date. As long as you keep paying your premium, the provider typically has to keep honoring the policy at that rate. Most whole life policies will also build an actual cash value based on a portion of your premiums. You’ll receive that amount if the policy is ended, and you may have more options like allowing the provider to invest the value of your policy in a fund that gains interest. Some policies even increase the payout value as your policy increases in age.

The only downsides to whole life insurance are the higher premiums and stricter screening by the providers.

Learn More about Life Insurance

While this basic primer can help, even the most basic insurance questions will have answers that change based on your situation. Manteca Insurance & Financial Services in Central Valley, CA will gladly assist you with learning more about your life insurance options.

Is basic auto insurance ever enough?

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Almost every state in the union requires auto insurance for drivers. What they require is basic insurance. This is different from state to state, but what it has in common is that it is usually only liability coverage. At Manteca Insurance & Financial Services in Central Valley, CA, we have been giving our clients the benefit of our expertise since 1941. That is more than 80 years. We represent our clients, not the insurance companies, and our service reflects that. 

The mandated amount of basic auto insurance in the state of California is 15/30/5. This is woefully basic in one of the most expensive states in the union. It allows $15,000 for the first person injured in an accident where you are the responsible driver and $30,000 for all injuries and $5,000 for property damage. These low limits could leave you in a very dangerous financial situation. 

For those with a leased vehicle or an auto loan, additional coverage will be required. This includes collision and comprehensive.

Collision is coverage that covers your auto. It will help to repair or, if needed, replace it if you are the at-fault driver. If you are the only car in an accident, think wet or icy road and losing control it will pay for your auto repair or if you are the victim of a hit and run. This coverage has a deductible. 

Comprehensive coverage is for things you can’t control. This includes weather, things like hail, floods, and strong winds. It covers theft, vandalism, or potholes in the road. Glass coverage is also included in this type of coverage and is one thing most people end up using eventually. 

If you only have basic coverage, you could be without a car and owe money for damage you caused. Basic coverage is seldom enough. 

Contact Manteca Insurance & Financial Services in  Central Valley, CA for all your auto insurance needs. 

Full-Timer’s RV Insurance: A Guide

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At Manteca Insurance & Financial Services, we can help Central Valley, CA residents who may live within their RV. Our team can create the best full-timer insurance policies possible and give you the best chance of protecting yourself and your vehicle as a home with relative ease. Specialized coverage like this minimizes many common concerns, so read on to learn more.

Understanding Full-Timers Insurance 

Full-timers insurance is designed for RV owners who use their craft as their permanent home. So, for example, if you have sold your house and moved into your RV, you qualify for full-timer policies. And this option is crucial because it can provide you with many benefits.

That’s because a high-quality full-timer policy is designed to be as comprehensive as possible to cover each of your needs as a person and a vehicle owner. Understanding these different options will help to make it easier for you to choose a possibility that makes sense:

  • Liability coverage to help protect you from lawsuits and legal bills 
  • Collision and comprehensive coverage to repair your RV
  • Uninsured motorist coverage if you get hit by someone who qualifies
  • Personal injury and medical protection for those within your vehicle 
  • Breakdown coverage to keep your craft protected 

You may also want to add options like towing, attachments, full-replacement, and much more. You deserve to live in your RV without worrying about serious issues affecting your safety. Thankfully, a broad range of different options should be available for your needs. 

Get Help Today 

If you’re struggling to find a high-quality RV policy that makes sense for your needs, please contact us at Manteca Insurance & Financial Services right away to learn more. Our team will help Central Valley, CA residents better understand their coverage options here as an RV owner.

California Motorcycle Insurance: How to Prepare Your Bike for a Road Trip

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Going on a road trip is half the fun of owning a motorcycle. You love your daily travels, but these are the things you get really excited about for weeks and even months. When you are planning a road trip, you need to prepare your bike so that your safety is optimized at all times.

At Manteca Insurance & Financial Services, we want Central Valley, CA motorcycle riders to feel safe on the roads at all times. Here’s how to prepare your bike before you hit the road.

Check Your Fluids

Make sure that your oil is changed if it needs it, and all of your fluids are topped up. You want to have a full gas tank, and everything refreshed before you go on your trip.

Make sure that your gas tank is full, and that you know how long it will take for you to go through a tank of gas. The range of your gas tank is an important thing to know before you go. Run your tank down once to know your mileage before you head out.

Extras to Remember

There are a number of extras to remember when you are on a road trip. Keep your spare key on you at all times. Carry it on your person, and not on the same chain or keyring that your main key is on. You never know when you are going to need it.

Check the Electrics and Controls

Make sure that your battery is in good condition, and that your controls are working. You also want to be sure that your lights are all in good working order.

Update Your Insurance Policy

When you are preparing for your next motorcycle road trip, make sure your bike is safe to travel great distances on. You also want to be sure that your insurance policy is up-to-date, and you have collision and comprehensive coverage. At Manteca Insurance & Financial Services, we want Central Valley, CA motorcyclists to be safe when they are taking road trips. Call us today to update your insurance policy and get peace of mind for your road trip.

What Actions Will Invalidate Your Boat Insurance?

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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?

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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.