A Complete Guide to Motorcycle Insurance

Riverside and Santa Rosa, CA residents who own and ride motorcycles know that motorcycle insurance is essential, and having a full coverage plan can save you a lot of headaches in the event of an accident. Here’s a full guide to what you need to know about motorcycle insurance in California.

A Guide to Recommended Insurance Coverage for Motorcycles

Like other types of insurance, there are numerous coverage options available for motorcycle owners. These include the following:

Collision coverage

This coverage will pay to replace or repair your vehicle if it is damaged in a crash and you are found at fault. For most motorcycle owners, this is optional coverage.

Property damage and bodily injury liability

This type of mandatory insurance covers you when you are at fault in an accident and someone else in the accident is injured or their property is damaged.

Liability coverage for guest passengers

Liability coverage for guest passengers will cover anyone who is riding on your motorcycle with you and is injured in an accident when you’re driving.

Under/un-insured coverage for other drivers

This type of insurance will cover you if you are in an accident and the other motorist was at fault but does not have any liability insurance or comprehensive insurance.

Medical coverage

Finally, there’s medical coverage. If you get into an accident, this will cover your medical bills. This is no-fault insurance, which means that it doesn’t matter who was at fault; your medical bills will still be covered.

Contact Allegheny Pacific Insurance Services Today

If you are a Riverside or Santa Rosa, CA resident, Allegheny Pacific Insurance Services can help you find a motorcycle insurance policy that meets all of your needs. Stop into our nearest location today to learn more, or give us a call to speak with an agent on the phone. We look forward to hearing from you and working with you to find the perfect motorcycle insurance plan!

Does Boat Insurance Cover Add-On Parts and Accessories?

If you own a boat, you likely have to have it insured in order to register it in California. However, many people purchase additional items and accessories for their boats, including sound systems, lighting systems, and sun covers. If you have any of these items, you may wonder if boat insurance extends to these items. This is one of the questions that we at Allegheny Pacific Insurance Services, serving the greater Santa Rosa, CA area, are often asked.

In most cases, boat insurance will not cover the add-on parts, aftermarket parts, or accessories that you add to your boat. Your boat insurance covers your boat as it was sold. However, if you do have a lot of accessories or add-on parts, or you have one or two expensive ones that you want to add, you can add an addendum clause to your policy that protects these items if they are damaged in an accident or if your boat is stolen. The value of the item is taken into account and that value affects the increased price of your boat insurance policy. 

It is important to note that unless it is specifically stated in your insurance policy, add-on parts and accessories are not included. If you have any doubts, read your policy or contact an insurance company to help you understand your policy. It is better to ensure they are covered than to assume and find out they are not later. 

If you are looking to obtain boat insurance in the greater Santa Rosa, CA area, or are looking to price out a new boat insurance policy, call Allegheny Pacific Insurance Services. We provide quotes and can help you find the best boat insurance policy for your needs. Give us a call today to get started. 

3 Things You Need to Know about Umbrella Insurance

What You Need to Know about Umbrella Insurance

There is a good chance that you are a bit confused about the specifics of umbrella insurance. What you need to know, though, is that you aren’t the only one. Many people are unaware of umbrella insurance, never realizing the multiple benefits that it can bring to their life. Let’s take a quick look at three things you need to know about umbrella insurance from Allegheny Pacific Insurance Services in Santa Rosa, CA.

1) You must have other insurance

Umbrella insurance all by itself will not be of any value. This type of insurance only goes into effect if another policy is exhausted to its limits. For example, if you are in an auto accident and your personal injury protection is exhausted at $25,000, but you need $45,000 to cover your medical bills, then an umbrella insurance policy could kick in to cover the rest. Please remember, that if you do not have auto insurance, then your umbrella insurance would not be able to kick in at all. 

2) Umbrella insurance has limits as well

Some people think that umbrella insurance kicks in and covers all expenses that aren’t covered by your regular insurance policies. The truth is, umbrella insurance policies have limits too. This is why it is so important to speak with a qualified insurance agent to determine what your policy limits are. In doing this, you can have a better understanding of what type of umbrella insurance policy you need to invest in. 

3) It’s not just for the wealthy

Even though some people have the misconception that umbrella insurance is only affordable by the wealthy, this is not true. This type of policy can be invested in at a reasonable cost with reliable coverage.

To learn more about umbrella insurance, contact Allegheny Pacific Insurance Services serving Santa Rosa, CA and the surrounding areas. Our agents can help you start a policy and talk about your options.

Do I Need Condo Insurance in California?

Living in Hidden Valley Lake, CA has many perks–ranging from beautiful weather and sights to a unique and diverse population complete with a variety of cultures. Even if you are a lifelong California resident, considering condo insurance is often necessary to avoid potential damage or losses, especially with natural disasters such as earthquakes that may occur during your time living in the state. Determining whether or not you need insurance in California can be done with the help of professionals from Allegheny Pacific Insurance Services along with assessing your lifestyle, location, and budget.

Is Condo Insurance Required by Law in California?

Having a condo insurance policy to your name in California is not required by law. However, it is highly recommended from the state and federal levels for all residents of California to hold some insurance coverage for the property in their names.

Why Obtaining Condo Insurance is Highly Recommended in the State of California

The California Earthquake Authority (or CEA) can provide insurance for all types of residences throughout California, including condos. Whenever you are comparing condo insurance and protection, be sure to verify that your policy will protect your condo and belongings inside in the case of a natural disaster such as an earthquake. It is also important to consider the risk of wildfires and mudslides depending on where you are residing in California to choose a policy that protects your assets and property regardless of the type of disaster you may face. Insurance agencies today can provide the insight necessary for you to make the right choice for both you and your family while living in California. 

Want to learn more about potential condo insurance policies that are right for you in Hidden Valley Lake, CA? Give Allegheny Pacific Insurance Services a call today for information regarding coverage and quotes that fit your needs!

How Renovations Can Affect Your Homeowners’ Insurance

Any renovation to your home, whether it’s a do-it-yourself project or you’re hiring a contractor, may require an upgrade to your homeowners insurance.

Renovations will likely increase your home’s value, which means your current coverage may not be adequate. However, some improvements, such as replacing a roof, can make you eligible for premium discounts. Either way, it’s important to make informed decisions before making changes to your home. At Allegheny Pacific Insurance Services, serving Rohnert Park, Riverside, and Hidden Valley Lake, CA, we can help you with details about your homeowners insurance.

Another consideration is the increased liability that a renovation can create, which may be obvious if you’re installing a swimming pool, but not so obvious if you’re transforming a storage room into a home office or adding a wooden deck.

So before launching into a home improvement project, whether it’s big or small, find out how your policy should be updated. It’s vital to protect yourself and the equity in your property by having sufficient homeowners insurance in place that covers unforeseen problems. Would you have adequate coverage if the section of your living room the contractor tore out includes a load-bearing wall, for example, or if the new bathroom you added upstairs leaks water due to a faulty plumbing installation?

Many people don’t think about their homeowners insurance until they need to file a claim. Even having a construction team working in your home can leave you vulnerable to liability concerns. There are options to discuss with your insurance carrier regarding any renovation to your home.

For more information and details about your insurance, contact Allegheny Pacific Insurance Services. We provide services to residences of Rohnert Park, Riverside, and Hidden Valley Lake, CA, along with other areas throughout the region. We understand the potential problems that can arise during and after a home improvement project, and we’ll make sure you have the right coverage before you get your home renovation project underway. For online quotes, try our online rating tool for auto and home insurance.

Commercial Insurance in Sonoma County, CA

Commercial insurance consists of a variety of ways to protect a business, its property, its assets, its employees, and more. For example, commercial insurance often includes property insurance that will cover property damage. Worker’s compensation is another part of commercial insurance and this covers any job-related injuries of employees. For construction businesses, they would require insurance on machinery in the event it breaks down. If you own a storefront with glass windows, you can even get them insured in the event someone decides to throw a rock through the windows or a storm sweeps through and debris strikes them. There are too many scenarios to list here and that’s why every commercial policy is unique.   

In Sonoma County, CA, businesses need to be insured in the event something out of their control happens; a theft, a slip or fall, an injured employee, or another type of event that could suddenly leave you liable. Without the proper insurance, you could lose your business. To make sure you have the proper commercial insurance for your business, contact Allegheny Pacific Insurance Services today. They serve the Sonoma County, CA area and help local businesses find just the right commercial policy with all the right coverage at an affordable price. They will help you compare policies, answer all of your questions, and get you as many discounts as possible. To speak with a friendly, knowledgeable insurance agent at Allegheny Pacific Insurance Services today about a new or existing commercial insurance policy, call 916-389-9332 or 707-540-6106. Protecting your business is a long-term investment that starts with the right commercial insurance policy.  

 

 

 

 

Cruising the Coast: Top Road Trips In CA

So you just got your policy through Allegheny Pacific Insurance Services and you’re ready to hop into your car and explore all of Sonoma County, CA and beyond. Here are three of the very best road trips to take in California:

Santa Barbara County

Santa Barbara is one of the most beautiful beach communities in the world, sloping off the mountain range down towards the sea, you can see the ocean from just about anywhere in town. Santa Barbara can be a little pricey, so if you’re traveling on a budget, the artsy and quaint little town of Lompoc near Vandenberg Air Force Base should be on your checklist. Grab some coffee at Southside Cafe and cruise over to Surf Beach to take in the sunset.

Nevada City

You’ll find Nevada City just north of Sacramento. This is a little California town where the sixties never died. The art and culture on display here are breathtaking, and there’s plenty of history to view at sites like the Railroad Museum. Nevada City was a hot spot in the gold rush days, and you might actually find a few nuggets in the stream. Nevada County is great for outdoorsy types.

Imperial Beach

Imperial Beach is one of the southernmost cities in California. If you live in Sonoma County, this is just a great excuse to take in the full length of the California coastline. The city is about sixty to seventy degrees all year round, making it a perfect Winter destination.

Just make sure you’ve got your insurance policy in order with Allegheny Pacific Insurance Services in Sonoma County, CA before you head out. A minimal policy may work in your hometown, but it’s a long trip going up and down the coast. Once you get out there, you never know what might happen. Give our agents a call today to discuss your auto insurance policy.

Differences Between Home Insurance and Home Warranties

If you are buying a brand new home, it may come with a warranty or you may consider buying one in addition to your homeowner’s insurance policy. However, this may leave you wondering if you need home insurance or what the differences are between home insurance and a home warranty. Here is some information on what is covered under both types of policies.

Home Warranties

Home warranties protect many things in the home that home insurance does not cover. This includes items like appliances, including dishwashers and hot water heaters. Other things that are typically covered are items that are typically the homeowner’s responsibility to maintain under home insurance policies. This includes items like the roof and HVAC unit.

Home Insurance

Home insurance helps to protect the structure of your home. If it were to burn down in a fire, home insurance would pay for your home to be rebuilt or repaired. If hail damaged the siding of your home, home insurance would pay to replace the siding. Additionally, home insurance protects you against things like theft, and lawsuits in regards to injuries that people sustained on your property.

Home warranties and home insurance policies cover different items in your home As such, you can have both types of policies without seeing much overlap.

When you are in the market for a home insurance policy in the Sonoma County, CA area, call Allegheny Pacific Insurance Services. We would love to explain to you the differences between home insurance and home warranties, and how they may both be beneficial to you in different ways. Call us now so we can answer all of your questions.

Understanding the Risks of Insufficient Auto Insurance

Getting adequate auto insurance is a must to protect your interests. Many California drivers opt for the minimum in order to keep insurance costs down. Minimum insurance requirements, however, may be insufficient to protect your assets if you’re involved in a serious accident.

At Allegheny Pacific Insurance Services in Sonoma County, CA, we can help you understand the risks of insufficient auto insurance so you can avoid costly mistakes that can hurt your future.

Bodily Injury Liability

Bodily injury liability coverage pays for medical expenses of others in an accident where you are at fault. Going with minimum liability insurance in California could compromise your protection as you would be responsible for expenses that go beyond these limits. In the event you cause a serious accident resulting in major injuries to a third party, you could be sued for additional medical costs.

Uninsured/Underinsured Motorists

The high rate of uninsured/underinsured motorists on the road makes this coverage important to protect your interests. If you’re hit by someone with insufficient auto insurance, this coverage helps pay for damages you suffer in the accident. This includes hit and run collisions and accidents you incur as a pedestrian.

Collision

If you own a new car, collision coverage is a must to protect your investment. New drivers can also benefit from this coverage due to their lack of experience on the road. By getting a high deductible on collision coverage, you can save money on your premium.

Personal Injury Protection (PIP)

PIP pays for your medical expenses in the event of an accident. If you have good health insurance, minimum PIP coverage may suffice which will help lower your insurance costs.

For more information on adequate auto insurance coverage that will protect your assets, contact Allegheny Pacific Insurance Services, Sonoma County, CA. 

Buying and Selling Sonoma County Homes

If you know the market, if you know a thing or two about fixing a house up and improving its market value, then Sonoma County, CA may be one of the best cities in the world to make a living flipping houses, buying old fixer-uppers, investing in repairs, and putting them back on the market. Insurance can be a tricky area to navigate, however. Allegheny Pacific Insurance Services can help connect you to a great policy, but what kind of insurance services do you need in the first place when you’re only staying in the home long enough to fix it up?

  • You may need to invest in insurance beyond the home itself. If you are employing laborers to help you fix the home up, you may be looking at workers’ compensation and other insurance policies to cover the costs of doing business.
  • Set a realistic timeframe. You don’t want to be paying the month-to-month lease on your equipment because you thought you could finish a six-month job in two months.
  • Even in an economic downturn, you do see a lot of people buying renovation insurance in California, so your provider probably has some special policies and discounts. When you talk to Allegheny Pacific Insurance Services, make sure to ask your potential provider what they can do for you.

Sonoma County, CA is one of the most beautiful places in the world. This means that whether the economy is in good shape or poor shape, people will always be wanting to move here. If you’re a smart entrepreneur, if you know a little bit about construction, it’s not difficult at all to capitalize on that.