Mandated Motorcycle Coverage in California

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If you have resided in another US state, you might celebrate the low minimum required insurance for your motorcycle in California. Land Home Insurance Services wants you to understand how the state’s low insurance mandate can hurt you though.

Mandated Motorcycle Insurance

In California, you only need to carry property damage and bodily injury coverage to comply with the law. Your bike policy must at least provide the following coverage:

  • $5,000 for damage to personal property,
  • $15,000 for bodily injury to or death of one person involved in an accident you cause,
  • $30,000 for bodily injury to or death of all individuals involved in an accident you cause.

While that makes your insurance rather reasonable, it doesn’t fully cover you. For example, although your bodily injury coverage pays for $15,000 of medical bills for an individual since the typical night’s stay in a hospital costs about $8,000, just one day and night of medical treatment could exhaust your coverage. The law says that if police or the court finds you at fault for the accident, then you incur the liability for all medical and property damage.

If the person you hit with your bike required $50,000 of medical treatment, your insurance covers $15,000 of it. You pay the rest out of pocket. The court can garnish your paycheck and some government payments to pay this debt. So, carrying a reasonable amount of insurance offers a better solution.

Important Optional Insurance

The state-required coverage also does not cover your motorcycle or trike. If you wipe out a patch of black ice and tear up your bike, you need collision coverage for your insurance to pay for the damages. Otherwise, getting your bike fixed comes out of your pocket.

Add comprehensive coverage to protect your bike from California’s earthquakes, hail damage, and other natural hazards. If you ride out of state, your coverage goes with you, so your bike receives protection from Colorado wildfires, Oklahoma tornadoes, North Dakota snowstorms, and much more.

To protect your own health, choose personal injury protection (PIP) coverage. It pays for your medical bills regardless of who caused the accident. If you get hurt because a deer ran out in front of your trike, your PIP covers your medical bills.

Get Coverage For Your Motorcycle Today

Contact our team of insurance experts at Land Home Insurance Services to purchase full coverage motorcycle insurance. We can help you benefit through better coverage than the state minimums.

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How boat owners can benefit from increased liability protection

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Land Home Insurance Services can help you find the comprehensive boat policy that’s right for your needs. If you have questions about boat or any other type of insurance, give us a call today.

Is it time to increase the liability protection provided by your boat policy?

There is some risk that comes with owning and operating a boat. When injuries occur, there can be liability issues and substantial damages. Liability protection is very important for boat owners. If someone is injured while a passenger is on your boat, the liability risk can be extreme. Without adequate protection, the owners themselves could have to bear the brunt of the liability exposure. No one wants to have to deal with financial liability when they can be protected by a comprehensive policy.

Upgrading your current boat policy to one that provides comprehensive liability protection is a good idea. This enhanced protection can help protect you from losses to passengers and property in a situation where your vessel is involved in a covered event. Increased medical expense coverage along with increased collision coverage and property damage protection can also be included in an upgraded comprehensive policy. 

Knowing that you have increased liability protection means that you can enjoy your boat with the peace of mind that comes with having the right protection in place. Waiting until there is a situation where you need enhanced protection is not necessary. Upgrade your boat insurance today.

Contact our office today!

Owning a boat comes with some liability risks. Let the team at Land Home Insurance Services help you find the right boat insurance policy for your unique needs. Give our office a call today to find out more about the policy options that are available in our area. 

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I Have a Creative Home-based Business. Do I Need Umbrella Insurance?

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As a wholly-owned subsidiary of the national residential mortgage lender Land Home Financial Services, Inc., our company, Land Home Insurance Services, serves 14 midwest and western states. We provide a full range of insurance types, including umbrella policies. Umbrella insurance — also called personal liability insurance –protects the excess value of your assets, such as your home and belongings, stocks, bonds, savings, and future income, against lawsuits. 

Commercial umbrella insurance, on the other hand, protects your commercial assets, such as buildings and equipment, inventory, reputation, and brand.

Consult with us today for an assessment of your umbrella insurance needs.

Why Would I Need Umbrella Insurance for My Home-based Business?

If you do product reviews, post photos or music, make art pieces, clothing, accessories, jewelry, or other items requiring creativity, someone could accuse you of stealing their ideas or slandering or libeling their business. The resulting lawsuit could cripple you financially. In addition, awards or settlements above and beyond your personal or commercial liability limits could result in you surrendering your home or other assets to pay your fines, especially punitive damages.

Doesn’t My LLC Protect My Assets?

An LLC creates a legal entity in its own right, but in some situations, the owner can still find themselves personally liable. Situations include:

  • False Imprisonment on suspicion of shoplifting from your home office,
  • Negligent Injury while driving your vehicle for business
  • Lying to creditors about your assets
  • Making personal loan guarantees for your business
  • Contracts signed in your name instead of your DBA name

Get Umbrella Insurance Today

Call Land Home Insurance Services today for an evaluation of your creative home-based business liability risks. Let us protect you from frivolous lawsuits and excessive damage awards that can bankrupt you and leave your business in shambles.

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When is it necessary to have flood insurance?

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Owning a home is a dream for many people. As you are shopping for a property, it would also be wise to find an insurance plan that properly protects your asset. For some, this can mean getting a flood insurance plan.

There are various situations when flood insurance is necessary:

When Home Faces Potential Flood Risks

The primary situation when you want to have a flood plan is when your home is at risk of being damaged in a flood. If your property is located near a lake, river, or any other body of water that is prone to flooding, having the right insurance is a necessity. As home insurance offers limited coverage for flood damage, you will want to have a full flood insurance plan to offset this concern.

When Required

It is also necessary to have flood insurance when it is a requirement. There are various situations when a mortgage lender or home association will require flood insurance. If your home is deemed to be in a high-risk zone, this will likely be a requirement and obligation. Carrying this insurance will help keep you in good standing. 

There are many situations when you will want to have a flood insurance plan. Once you are ready to start looking for a new policy in this region, calling the team with Land Home Insurance Services is a good option. The professionals with Land Home Insurance Services know the value of this coverage and can help you properly assess all options. We can help you choose a plan that is ideal for your situation and home. 

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Is it Time to Reconsider Your Auto Insurance Policy?

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Is it time for you to reconsider your auto insurance policy?

It’s generally recommended that you shop around for auto insurance every year or so, especially because rates often change depending on a variety of factors.

At Land Home Insurance Services, we’re committed to helping you find the best way forward when it comes to auto insurance. We are here to answer any questions you might have regarding your auto insurance policy, and what options you have for changing your rates.

Auto Insurance Policy: Factors to Consider

You may want to reconsider or otherwise revisit your auto insurance policy if it has been longer than six to twelve months since you last checked in with it.

Auto policy rates can shift over time based on factors like your commute, your neighborhood, and various other data points, so it’s good to check in every so often to see if these other factors have substantially affected your policy. This also applies when something major changes in your own life, such as moving, or changing jobs.

Give Us A Call

Contact us today at Land Home Insurance Services and we’ll help guide you through the sometimes-messy world of revisiting your auto insurance policy.

We are committed to helping you find the best rates and policy for your needs. You shouldn’t be saddled with a policy that’s no longer right for you or your family. Having your auto policy up-to-date is a huge thing to take off your to-do list, and having everything in order on the policy side can give you some much-needed peace of mind.

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Reasons You Need Motorhome Insurance

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When you buy a motorhome, you are buying the dream. You can travel wherever you can go, without having to spend the night in a hotel. You have your own hotel on wheels!

That being said, you still need to think about insurance for your dream. You may think that your automobile insurance is enough, but the truth is that you need special motorhome insurance. Land Home Insurance Services in Concord, CA provides this guide on navigating this coverage. 

Why You Need Motorhome Insurance

Your standard automobile insurance doesn’t have enough liability or collision

Your RV is going to cost more to fix and replace than a standard car or truck, which is why you need better insurance for it. 

It also doesn’t cover all of the possessions that you bring along with you on the road

If you are going to be traveling for a few weeks or even months, you are going to fill your RV full of things, such as clothes, electronics, and computers. You will also bring things along that you don’t typically take on vacation, such as your jewelry and sporting goods. 

You may need RV insurance if you have financed it

Just like with homes and automobiles that are financed, you need to have enough insurance to cover any repairs that may need to be made. 

Though you may just want to add your RV to your automobile policy, the truth is that just isn’t enough. It is much more expensive than a typical car and truck, plus it is filled with all of the things that you have to bring along! 

If you want to make sure that your motorhome is protected, you need to talk to a professional. Don’t hesitate to contact us today at Land Home Insurance Services in Concord, CA. 

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Does Renters Insurance Cover My Belongings If They’re Stolen From My Car?

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A large percentage of people renting homes and living spaces in Concord, CA, have renters insurance. Many of the residents with renters insurance assume that their policy overs their belongings if they are stolen from their cars. This might be true or not true for you as a renters insurance policy, depending on the theft situation. Here’s why:

What Was Stolen? 

Generally, your renters insurance will cover items stolen from your personal items stolen from your car parked at your home. For instance, if you have left your smartphone, your personal laptop, and your company’s hard drive in your vehicle and it was broken into, and all of the items are stolen. Your renters insurance will compensate you for your smartphone and personal laptop, but not for the company’s hard disk. If your car stereo is also stolen during the incident, your renters policy won’t compensate you for it. The policy will not also take of the damage done to your car when the perpetrators broke into it to steal your items. It will not also cover your vehicle if it’s stolen with your personal items in the theft.

This is why at Land Home Insurance Services, we advise that you get a separate car insurance policy even if you have renters insurance.

Where Was the Car?

Renters insurance will typically cover all your personal belongings stolen from your car, whether the vehicle is at home, across the country, or on another continent. Therefore, if you are traveling the world in your car, you can expect your renters policy to protect all your personal belongings if your car is broken into. However, there is an exception to this rule; your renters policy won’t cover your personal belongings stolen from your vehicle in a war zone.

Contact Us Today

Are you a Concord, CA, resident looking for renters or auto insurance? At Land Home Insurance Services, we have the best renters and auto insurance deals. Call us today.

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Why Do You Need Motorcycle Insurance?

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If you have a motorcycle, you might be wondering about motorcycle insurance. You may not be interested in getting any. However, that could be a mistake. Here are some reasons why Land Home Insurance Services recommends this insurance in Concord, CA. 

Why Do You Need Motorcycle Insurance?

It may be required by your state. Most states require that you have some sort of motorcycle insurance. The only state that doesn’t require motorcycle insurance is Florida. 

Your loan may require insurance, in order to protect your investment. Just like with car insurance, if you had to take out a loan in order to buy your motorcycle, they will require you to take out a certain amount of insurance. They may require collision and comprehensive insurance.

If you can’t afford to replace your bike, you are going to need insurance. If money is tight, and you can’t afford to fix your motorcycle or replace it, you should consider getting insurance. If the accident is your fault, you are going to be held liable for all of the costs, including your own bike. 

You could also be held liable for their repairs, plus any medical bills that they may have. If you hurt someone in an accident, you are going to have to pay for their medical care, no matter what it costs. Your insurance will cover those fees unless you don’t have any. 

Though you may not want insurance, everywhere except Florida requires you to have it. Your loan company may also require it. Other than that, you should have it so that you don’t have to worry about paying for medical bills and fixing your bike if you are involved in an accident. 

If you need someone to talk to about motorcycle insurance, you should contact us at Land Home Insurance Services in Concord, CA. 

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RV Insurance Options For California Residents

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RV insurance is necessary for all RV owners who want to keep their investments well protected. RVs don’t come cheap, so you need to safeguard them from any unthinkable occurrence. When you are into traveling outdoors, you want absolute peace of mind should anything occur to your RV. That said, getting the right insurance coverage is the real deal, and that’s why you need to understand different RV insurance options. Land Home Insurance Services is here to elaborate on some standard RV insurance coverage options. Let’s dive in.

  • Liability coverage: California requires that all RV owners carry at least minimum liability coverage while on the road. Liability coverage protects you against liability claims for an accident you are at fault.
  • Collision coverage: Collision will protect you if your RV hits another object or vehicle regardless of who is at fault.
  • Uninsured and underinsured coverage: You are likely to meet different people on the road, some uninsured, others underinsured. RV insurance provides uninsured and underinsured coverage to protect you from such drivers who hit your RV. It’s even ideal for hit-and-run accidents.
  • Comprehensive coverage: It’s wise to insure your RV from non-collision damage such as vandalism, theft, and fire because they can occur when your RV is parked.
  • Roadside assistance: You need this coverage if you frequently travel in your RV. It covers towing, flat tires, dead batteries, and gas delivery when stranded on the highway.

RV insurance in Concord, CA

RVs are costly, and you need to insure them right from the go. Our experienced agents will help you understand the coverage options appropriate for your RV, lifestyle, and other needs. Ready to purchase RV insurance in Concord, CA? Talk to us at Land Home Insurance Services for a quote.

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What does boat insurance cover?

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Boat insurance works similar to motorcycle, car, and even RV insurance. It’s designed to protect you, your boat, and others. In other words, it’s designed to provide liability coverage as well as coverage that can be used to repair or replace your boat, property, or someone else’s boat or property. Fundamentally, it operates like car insurance and other insurance designed to cover vehicles and other moving machinery. Land Home Insurance Services of Concord, CA is here to educate consumers on the benefits of boat insurance. 

Boat Insurance Defined 

Boat insurance is designed to cover your personal watercraft. This may include a motorboat, sailboat, or any other type of watercraft. Boat coverage typically covers theft, damage from an accident, and even some natural disasters, like lightning and fire, that may cause damage to your watercraft. Also, boat insurance can also cover parts of your watercraft which may include the hull, fittings, permanently attached equipment, machinery, and furnishings. These coverage types fall under three, sometimes four, common categories when it comes to insurance for vehicles and other motor-powered machines.

  • Property Coverage
  • Liability Coverage
  • Medical Coverage
  • Uninsured Coverage

Boat property insurance coverage

This coverage is designed to pay for the repair or the replacement of your boat if it’s damaged.  This coverage provides protection for your boat on both land and water. Typically, this type of coverage allows you to choose between actual cash value coverage or agreed amount coverage.

Liability Coverage

Liability coverage is designed to cover damage caused by your boat to another person or their property. This type of coverage works like liability auto insurance or any type of liability insurance you may purchase. 

Medical Coverage

Medical coverage is designed to cover hospital bills and other medical bills you or your passengers may incur if you’re injured on your boat. X-rays, medicine, or medical bills would fall under this type of coverage. 

Uninsured Watercraft Coverage

It happens. It’s possible that you may sustain damage to your boat from an uninsured watercraft owner. Uninsured watercraft insurance covers expenses associated with damage to your boat from uninsured watercraft owners. However, like most insurance, there are a wide variety of different coverage options available to you. Our team at Land Home Insurance Services is happy to answer questions about coverage options to help you find the best coverage for your unique situation. 

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