Motorcycle Insurance Requirements in California

Posted on by adminPosted in Motorcycle InsuranceTagged ,

If you just bought a motorbike in California or just moved here from out of state, you should know that you must legally purchase motorcycle insurance before riding in this state. ANA Insurance Brokerage Inc. serves Southgate, CA and the surrounding area with the motorbike insurance it needs to protect its financial security.

State Minimum Insurance

In California, the law requires owners and riders of motorcycles to carry a minimum amount of insurance to protect the other individuals on the road. Your motorcycle must include:

  • Bodily injury/death liability insurance in the amount of $15,000 for one person.
  • Bodily injury/death liability insurance in the amount of $30,000 for two or more persons.
  • Property damage insurance in the amount of $5,000.

That might sound like a lot of money, but it is not. It doesn’t cover your bike either.

Adding to the Basic Insurance to Cover Yourself

You can add other coverage to your motorcycle minimums to better cover your bike. Start by adding comprehensive and collision coverage. These ensure that you receive coverage for any loss from an accident that does damage to your bike. Collision covers accidents in which your bike collides with another vehicle or a stationary object, such as a telephone pole, fence, or building. Comprehensive covers you against financial loss if a named peril, such as fire or tornado damages your bike.

Also, include coverages like roadside assistance and med pay to round out your coverage. If you moved here from out of state, med pay bears a close similarity to personal injury protection (PIP) coverage available in many US states.

Contact Us Today

Let ANA Insurance Brokerage Inc. help you insure your motorcycle for the protection of your financial security. Insurance pays for liability and damages, so you don’t have to pay out of pocket. Call us today for insurance to protect your bike parked in Southgate, CA.

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If you just bought a motorbike in California or just moved here from out of state, you should know that you must legally purchase motorcycle insurance before riding in this state. ANA Insurance Brokerage Inc. serves Southgate, CA and the surrounding area with the motorbike insurance it needs to protect its financial security.

State Minimum Insurance

In California, the law requires owners and riders of motorcycles to carry a minimum amount of insurance to protect the other individuals on the road. Your motorcycle must include:

  • Bodily injury/death liability insurance in the amount of $15,000 for one person.
  • Bodily injury/death liability insurance in the amount of $30,000 for two or more persons.
  • Property damage insurance in the amount of $5,000.

That might sound like a lot of money, but it is not. It doesn’t cover your bike either.

Adding to the Basic Insurance to Cover Yourself

You can add other coverage to your motorcycle minimums to better cover your bike. Start by adding comprehensive and collision coverage. These ensure that you receive coverage for any loss from an accident that does damage to your bike. Collision covers accidents in which your bike collides with another vehicle or a stationary object, such as a telephone pole, fence, or building. Comprehensive covers you against financial loss if a named peril, such as fire or tornado damages your bike.

Also, include coverages like roadside assistance and med pay to round out your coverage. If you moved here from out of state, med pay bears a close similarity to personal injury protection (PIP) coverage available in many US states.

Contact Us Today

Let ANA Insurance Brokerage Inc. help you insure your motorcycle for the protection of your financial security. Insurance pays for liability and damages, so you don’t have to pay out of pocket. Call us today for insurance to protect your bike parked in Southgate, CA.

Does Boat Insurance Cover Any Electronic Equipment?

Posted on by adminPosted in Boat/Watercraft InsuranceTagged ,

If you own a boat with a motor, you’ll likely want to invest in boat insurance. In some areas, there are boat insurance requirements outlined by state law. To find out what the laws in your area require or to find out more about the ideal boat insurance coverage for your needs, reach out to our experts at ANA Insurance Brokerage Inc, serving the residents in and around the Southgate, CA area.

Boat Insurance Coverage 

Boat insurance is a product designed to protect boat owners from liability and losses associated with covered risks. Boat insurance typically covers vessels with engines, but there may be some exceptions in specific cases.

If you need help determining what type of boat insurance coverage is ideal for your situation, highly trained and knowledgeable insurance agents can help. They assess each client’s situation carefully to determine which insurance coverage works best for their needs. Once they identify ideal coverage, they can assist with the selection and documentation necessary to obtain the policy.

Don’t risk liability and losses associated with owning a boat. Let our agents help you select the right coverage to offer comprehensive protection. We can also assist with any changes to the policy throughout its lifetime or with claim submissions.

Give Us A Call

Individuals living in or around the Southgate, CA area can rely on ANA Insurance Brokerage Inc to provide them with the insurance products they need to protect their interests. Call or stop by our office today to speak to one of our helpful agents and find out more about boat Insurance protection. Get peace of mind night and day knowing your insurance is offering coverage when you need it.

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If you own a boat with a motor, you’ll likely want to invest in boat insurance. In some areas, there are boat insurance requirements outlined by state law. To find out what the laws in your area require or to find out more about the ideal boat insurance coverage for your needs, reach out to our experts at ANA Insurance Brokerage Inc, serving the residents in and around the Southgate, CA area.

Boat Insurance Coverage 

Boat insurance is a product designed to protect boat owners from liability and losses associated with covered risks. Boat insurance typically covers vessels with engines, but there may be some exceptions in specific cases.

If you need help determining what type of boat insurance coverage is ideal for your situation, highly trained and knowledgeable insurance agents can help. They assess each client’s situation carefully to determine which insurance coverage works best for their needs. Once they identify ideal coverage, they can assist with the selection and documentation necessary to obtain the policy.

Don’t risk liability and losses associated with owning a boat. Let our agents help you select the right coverage to offer comprehensive protection. We can also assist with any changes to the policy throughout its lifetime or with claim submissions.

Give Us A Call

Individuals living in or around the Southgate, CA area can rely on ANA Insurance Brokerage Inc to provide them with the insurance products they need to protect their interests. Call or stop by our office today to speak to one of our helpful agents and find out more about boat Insurance protection. Get peace of mind night and day knowing your insurance is offering coverage when you need it.

When does umbrella insurance kick in?

Posted on by adminPosted in Umbrella InsuranceTagged ,

Umbrella insurance from ANA Insurance Brokerage Inc. is a type of supplemental liability insurance policy that provides added protection for individuals in the event of an unforeseen legal claim. It works in tandem with other existing policies, such as car insurance or homeowners’ insurance, and takes effect when those limits have been exceeded.

For example, if you were found liable for damages from an automobile accident in the Southgate, CA area that exceeded your existing auto coverage, umbrella insurance would kick in to provide additional coverage up to the umbrella policy limit.

Why Umbrella Insurance?

Umbrella insurance can be an invaluable asset for those who may potentially face large financial losses due to unforeseen events. For example, if someone were to sue you after being injured by a dog on your property or after being involved in an automobile accident caused by your negligence, umbrella insurance could help protect you against financial destruction.

Umbrella policies are usually very affordable and offer higher limits than standard liability policies, making them a great option for those who are concerned about their potential exposure to large legal costs or damages awards. 

Overall, while umbrella insurance may seem like a luxury item at first glance, it can actually be very beneficial in helping individuals and small businesses protect themselves from potential financial losses due to unforeseen circumstances beyond their control.

By providing extra liability coverage and covering certain types of damages not covered under traditional policies, having appropriate umbrella coverage can be a powerful form of protection against unexpected legal fees or awards stemming from accidents or other mishaps.

Give Us A Call

If you have any questions about your coverage, please give us at ANA Insurance Brokerage Inc. a call today. We proudly serve the Southgate, CA area.

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Umbrella insurance from ANA Insurance Brokerage Inc. is a type of supplemental liability insurance policy that provides added protection for individuals in the event of an unforeseen legal claim. It works in tandem with other existing policies, such as car insurance or homeowners’ insurance, and takes effect when those limits have been exceeded.

For example, if you were found liable for damages from an automobile accident in the Southgate, CA area that exceeded your existing auto coverage, umbrella insurance would kick in to provide additional coverage up to the umbrella policy limit.

Why Umbrella Insurance?

Umbrella insurance can be an invaluable asset for those who may potentially face large financial losses due to unforeseen events. For example, if someone were to sue you after being injured by a dog on your property or after being involved in an automobile accident caused by your negligence, umbrella insurance could help protect you against financial destruction.

Umbrella policies are usually very affordable and offer higher limits than standard liability policies, making them a great option for those who are concerned about their potential exposure to large legal costs or damages awards. 

Overall, while umbrella insurance may seem like a luxury item at first glance, it can actually be very beneficial in helping individuals and small businesses protect themselves from potential financial losses due to unforeseen circumstances beyond their control.

By providing extra liability coverage and covering certain types of damages not covered under traditional policies, having appropriate umbrella coverage can be a powerful form of protection against unexpected legal fees or awards stemming from accidents or other mishaps.

Give Us A Call

If you have any questions about your coverage, please give us at ANA Insurance Brokerage Inc. a call today. We proudly serve the Southgate, CA area.

I Rent Out a Room In My Home. Are My Tenants Covered Under My Home Insurance Policy Or Do They Need Renters Insurance?

Posted on by adminPosted in Home InsuranceTagged ,

As inflation has increased, people are looking to find ways to have more money coming in. You may have decided to rent a room out in your home to help pay for your mortgage.

Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA area, we are often asked about this scenario. If you rent out your entire home, you need landlord insurance, but if you are just renting out a room, you may be unsure of what insurance you need and whether your tenant or tenants are covered under this policy. 

If I Rent Out a Room In My Home, Are Tenants Covered By My Home Insurance Policy? 

Tenants are never covered under your home insurance policy, regardless of whether you are renting out one room or your entire home. Home insurance policies help to protect the belongings of the homeowner and their immediate family only. 

What Types of Insurance Do I Need If I Am Renting Out a Room? 

If you are renting a room out in your home, you may need both a home insurance policy and a business insurance policy or landlord policy, depending on how much money you are making and how long the tenant plans to stay in your home. An insurance agent can help you determine what you need based on the specifics of your situation. 

Contact Us Today

If you have decided to rent out a room in your home, you may need a different type of insurance policy to help ensure you are fully protected. Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA region, we can sit down with you to discuss your situation and then help you come up with the right insurance products for your needs. Reach out to us today to get started. 

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As inflation has increased, people are looking to find ways to have more money coming in. You may have decided to rent a room out in your home to help pay for your mortgage.

Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA area, we are often asked about this scenario. If you rent out your entire home, you need landlord insurance, but if you are just renting out a room, you may be unsure of what insurance you need and whether your tenant or tenants are covered under this policy. 

If I Rent Out a Room In My Home, Are Tenants Covered By My Home Insurance Policy? 

Tenants are never covered under your home insurance policy, regardless of whether you are renting out one room or your entire home. Home insurance policies help to protect the belongings of the homeowner and their immediate family only. 

What Types of Insurance Do I Need If I Am Renting Out a Room? 

If you are renting a room out in your home, you may need both a home insurance policy and a business insurance policy or landlord policy, depending on how much money you are making and how long the tenant plans to stay in your home. An insurance agent can help you determine what you need based on the specifics of your situation. 

Contact Us Today

If you have decided to rent out a room in your home, you may need a different type of insurance policy to help ensure you are fully protected. Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA region, we can sit down with you to discuss your situation and then help you come up with the right insurance products for your needs. Reach out to us today to get started. 

The Most Common Troubles You’ll Face When Caring for Classic Cars

Posted on by adminPosted in Classic Car InsuranceTagged ,

Many think owning a classic car is a fun and glamorous hobby. However, those with experience with classic cars in Southgate, CA know they can be a lot of work. If you’re thinking about getting into the classic car world, ANA Insurance Brokerage Inc. has the scoop on some of the most typical troubles you’ll face.

Classic Cars: Common Troubles

Engine Problems

A blown head gasket is one of the most common engine problems that classic cars can encounter. A head gasket seals the space between the engine block and cylinder head, and if it fails, it can cause coolant and oil to leak into each other. This can lead to engine overheating, as well as oil pressure issues. Another engine problem classic cars can have is a timing chain that has stretched or broken. This can cause the engine to run improperly and can cause severe damage if not fixed.

Transmission Problems

Leaks are the most frequent transmission problem faced by owners of classic cars. Transmission fluid leaks can be caused by several factors, including worn seals and gaskets, cracked housing, and loose fittings. If left unchecked, transmission fluid leaks can lead to severe damage to the transmission and may even result in the need for a complete rebuild.

Brake Problems

Classic cars often have outdated or poorly-maintained brakes, making stopping difficult and dangerous. Regular brake inspections and replacements are critical to driving a classic vehicle safely.

Electrical Problems

As classic cars age, they can encounter many electrical problems. The most common issue is wiring corrosion, which can cause shorts and other problems. Additionally, the insulation on the wires can break down, allowing moisture and other contaminants to get in and cause issues. The connectors and terminals can also corrode, which can cause problems with the flow of electricity.

Get Classic Car Insurance Today

Classic and antique cars require specialized insurance. ANA Insurance Brokerage Inc. in Southgate, CA offers classic car insurance for those who own and operate these vehicles. We understand the unique needs of classic car owners and can provide the coverage you need at a competitive price. Please feel free to contact us today to learn more.

Read More

Many think owning a classic car is a fun and glamorous hobby. However, those with experience with classic cars in Southgate, CA know they can be a lot of work. If you’re thinking about getting into the classic car world, ANA Insurance Brokerage Inc. has the scoop on some of the most typical troubles you’ll face.

Classic Cars: Common Troubles

Engine Problems

A blown head gasket is one of the most common engine problems that classic cars can encounter. A head gasket seals the space between the engine block and cylinder head, and if it fails, it can cause coolant and oil to leak into each other. This can lead to engine overheating, as well as oil pressure issues. Another engine problem classic cars can have is a timing chain that has stretched or broken. This can cause the engine to run improperly and can cause severe damage if not fixed.

Transmission Problems

Leaks are the most frequent transmission problem faced by owners of classic cars. Transmission fluid leaks can be caused by several factors, including worn seals and gaskets, cracked housing, and loose fittings. If left unchecked, transmission fluid leaks can lead to severe damage to the transmission and may even result in the need for a complete rebuild.

Brake Problems

Classic cars often have outdated or poorly-maintained brakes, making stopping difficult and dangerous. Regular brake inspections and replacements are critical to driving a classic vehicle safely.

Electrical Problems

As classic cars age, they can encounter many electrical problems. The most common issue is wiring corrosion, which can cause shorts and other problems. Additionally, the insulation on the wires can break down, allowing moisture and other contaminants to get in and cause issues. The connectors and terminals can also corrode, which can cause problems with the flow of electricity.

Get Classic Car Insurance Today

Classic and antique cars require specialized insurance. ANA Insurance Brokerage Inc. in Southgate, CA offers classic car insurance for those who own and operate these vehicles. We understand the unique needs of classic car owners and can provide the coverage you need at a competitive price. Please feel free to contact us today to learn more.

Does Renters Insurance Cover Flooding?

Posted on by adminPosted in Renters InsuranceTagged ,

It’s no secret that natural disasters can strike anytime, often without warning. For renters, this can pose a serious problem, as most landlords’ insurance policies do not cover tenants’ belongings in the event of damage or destruction. So, what does that mean for renters in disaster-prone areas? Does a renters’ insurance policy cover flooding in Southgate, CA? ANA Insurance Brokerage Inc. is here to answer your questions.

Renter’s Insurance Generally Doesn’t Cover Flooding

In short, the answer is no—renters insurance policies generally do not cover flooding. However, there are some circumstances in which coverage may be available, so it’s always best to check with your insurer to be sure. Additionally, there are a few things you can do to protect yourself and your belongings in the event of a flood.

But There Are Other Options

One option is to purchase what is known as a " riders" or "floaters" policy, which can provide coverage for some types of flood damage. Riders and floaters policies are typically fairly affordable, and they may be worth the peace of mind they provide. Another option is to purchase renter’s insurance that includes "special perils" coverage, which does protect against some floods (though this type of policy is typically more expensive).

Get Insurance Coverage Today

No one likes thinking about worst-case scenarios in Southgate, CA, but when it comes to natural disasters like floods, it’s always better to be prepared than sorry. If you’re a renter in an area that is prone to flooding, make sure you understand your renter’s insurance policy—and how it does (and doesn’t) cover you in the event of a flood. Contact ANA Insurance Brokerage Inc. if you have questions. We are here to help.

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It’s no secret that natural disasters can strike anytime, often without warning. For renters, this can pose a serious problem, as most landlords’ insurance policies do not cover tenants’ belongings in the event of damage or destruction. So, what does that mean for renters in disaster-prone areas? Does a renters’ insurance policy cover flooding in Southgate, CA? ANA Insurance Brokerage Inc. is here to answer your questions.

Renter’s Insurance Generally Doesn’t Cover Flooding

In short, the answer is no—renters insurance policies generally do not cover flooding. However, there are some circumstances in which coverage may be available, so it’s always best to check with your insurer to be sure. Additionally, there are a few things you can do to protect yourself and your belongings in the event of a flood.

But There Are Other Options

One option is to purchase what is known as a " riders" or "floaters" policy, which can provide coverage for some types of flood damage. Riders and floaters policies are typically fairly affordable, and they may be worth the peace of mind they provide. Another option is to purchase renter’s insurance that includes "special perils" coverage, which does protect against some floods (though this type of policy is typically more expensive).

Get Insurance Coverage Today

No one likes thinking about worst-case scenarios in Southgate, CA, but when it comes to natural disasters like floods, it’s always better to be prepared than sorry. If you’re a renter in an area that is prone to flooding, make sure you understand your renter’s insurance policy—and how it does (and doesn’t) cover you in the event of a flood. Contact ANA Insurance Brokerage Inc. if you have questions. We are here to help.

What’s included in my RV insurance coverage?

Posted on by adminPosted in RV InsuranceTagged ,

Deciding on a new RV with all the latest bells and whistles can be tricky. Finding the right insurance isn’t nearly as complicated.

Most RV insurance policies contain similar coverage. But that doesn’t mean you should settle. ANA Insurance Brokerage Inc. in Southgate, CA is passionate about finding you a personalized RV insurance plan that’s just as special as your RV itself.

Here are the four coverage must-haves for any RV insurance policy:

Collision coverage

It’s not a surprise that this covers your RV from collisions. Here, any damage that results from an accident is included. Nearly all vehicle-based insurance plans have this type of protection, no matter who is found to be at fault.

Comprehensive coverage

All other damage falls under comprehensive coverage. Look at your specific policy to see what items are listed. Yet, at minimum, this likely shields against falling debris, natural disasters, vandalism, and theft.

Liability

Liability is the backbone of most insurance policies. For motorized recreation vehicles, this is especially critical. While the previously-listed items safeguard your vehicle, liability protects you. It reimburses for any bodily injury, property damage, or legal bills that are incurred as a result of an accident.

Personal Property

Auto and RV insurance share many similarities. However, personal property protection is an exception. This coverage is often found in homeowners’ or renters’ policies. This applies to your belongings inside your RV.

Get Insurance Coverage For Your Vehicle Today

Your RV is unique. Equipped with a variety of furnishings and amenities, it’s also both a vehicle and a home. Luckily, ANA Insurance Brokerage Inc. in Southgate, CA can craft a customized RV insurance policy that’s perfect for you. Schedule an appointment today.

Read More

Deciding on a new RV with all the latest bells and whistles can be tricky. Finding the right insurance isn’t nearly as complicated.

Most RV insurance policies contain similar coverage. But that doesn’t mean you should settle. ANA Insurance Brokerage Inc. in Southgate, CA is passionate about finding you a personalized RV insurance plan that’s just as special as your RV itself.

Here are the four coverage must-haves for any RV insurance policy:

Collision coverage

It’s not a surprise that this covers your RV from collisions. Here, any damage that results from an accident is included. Nearly all vehicle-based insurance plans have this type of protection, no matter who is found to be at fault.

Comprehensive coverage

All other damage falls under comprehensive coverage. Look at your specific policy to see what items are listed. Yet, at minimum, this likely shields against falling debris, natural disasters, vandalism, and theft.

Liability

Liability is the backbone of most insurance policies. For motorized recreation vehicles, this is especially critical. While the previously-listed items safeguard your vehicle, liability protects you. It reimburses for any bodily injury, property damage, or legal bills that are incurred as a result of an accident.

Personal Property

Auto and RV insurance share many similarities. However, personal property protection is an exception. This coverage is often found in homeowners’ or renters’ policies. This applies to your belongings inside your RV.

Get Insurance Coverage For Your Vehicle Today

Your RV is unique. Equipped with a variety of furnishings and amenities, it’s also both a vehicle and a home. Luckily, ANA Insurance Brokerage Inc. in Southgate, CA can craft a customized RV insurance policy that’s perfect for you. Schedule an appointment today.

What Are The Most Common Motorcycle Insurance Claims?

Posted on by adminPosted in Motorcycle InsuranceTagged ,

Motorcycle accidents can be very serious, and it’s vital to have the right insurance in case something happens. The thing is, accidents happen all the time, and not all of them are caused by careless driving. Sometimes it’s just bad luck or something beyond your control.

Here we discuss some of the most common motorcycle insurance claims:

Pillion Passenger Accidents

One of the most common motorcycle insurance claims is for pillion passenger accidents. This is when the person riding on the back of the motorcycle is injured in an accident. These types of accidents are often caused by the rider losing control of the motorcycle or by other vehicles on the road. If you’re a pillion passenger on a motorcycle, it’s essential to always wear a helmet and to be aware of your surroundings.

Collisions With Other Vehicles

Another common type of motorcycle accident is a collision with another vehicle. These types of accidents can often be caused by other drivers not seeing the motorcycle or by themselves being distracted. If you are involved in a collision with another vehicle, it’s important to get medical help immediately and contact a motorcycle accident lawyer.

Road Hazards

One of the most common motorcycle insurance claims is for road hazards. This can include things like potholes, debris, and even animals. If you hit something while riding your motorcycle, filing a claim with a professional insurance company such as ANA Insurance Brokerage Inc. in Southgate, CA is important. Otherwise, you may be stuck paying for repairs out of pocket.

Weather Damage

Another common claim is for weather damage. If your motorcycle is damaged by severe weather, you may be able to file a claim with your insurance company. This can include things like hail damage, wind damage, and even flooding.

Theft

Unfortunately, motorcycles are often targeted by thieves. If your motorcycle is stolen, you may be able to file a claim with your insurance company. In some cases, you may even be able to get a replacement bike.

Contact Us Today

ANA Insurance Brokerage Inc. in Southgate, CA sees a lot of claims for property damage, bodily injury, and theft. But no matter what the claim is for, it’s crucial to have good insurance coverage to protect you financially in case of an accident or other mishap. We can help you get the coverage you need so that you can relax and enjoy the ride.

Read More

Motorcycle accidents can be very serious, and it’s vital to have the right insurance in case something happens. The thing is, accidents happen all the time, and not all of them are caused by careless driving. Sometimes it’s just bad luck or something beyond your control.

Here we discuss some of the most common motorcycle insurance claims:

Pillion Passenger Accidents

One of the most common motorcycle insurance claims is for pillion passenger accidents. This is when the person riding on the back of the motorcycle is injured in an accident. These types of accidents are often caused by the rider losing control of the motorcycle or by other vehicles on the road. If you’re a pillion passenger on a motorcycle, it’s essential to always wear a helmet and to be aware of your surroundings.

Collisions With Other Vehicles

Another common type of motorcycle accident is a collision with another vehicle. These types of accidents can often be caused by other drivers not seeing the motorcycle or by themselves being distracted. If you are involved in a collision with another vehicle, it’s important to get medical help immediately and contact a motorcycle accident lawyer.

Road Hazards

One of the most common motorcycle insurance claims is for road hazards. This can include things like potholes, debris, and even animals. If you hit something while riding your motorcycle, filing a claim with a professional insurance company such as ANA Insurance Brokerage Inc. in Southgate, CA is important. Otherwise, you may be stuck paying for repairs out of pocket.

Weather Damage

Another common claim is for weather damage. If your motorcycle is damaged by severe weather, you may be able to file a claim with your insurance company. This can include things like hail damage, wind damage, and even flooding.

Theft

Unfortunately, motorcycles are often targeted by thieves. If your motorcycle is stolen, you may be able to file a claim with your insurance company. In some cases, you may even be able to get a replacement bike.

Contact Us Today

ANA Insurance Brokerage Inc. in Southgate, CA sees a lot of claims for property damage, bodily injury, and theft. But no matter what the claim is for, it’s crucial to have good insurance coverage to protect you financially in case of an accident or other mishap. We can help you get the coverage you need so that you can relax and enjoy the ride.

Tips for Getting the Most Out of Your Boat Insurance

Posted on by adminPosted in Boat/Watercraft InsuranceTagged ,

If you own a boat, it’s important to have boat insurance. However, that does not automatically mean that your policy will provide the coverage you need. ANA Insurance Brokerage Inc. in Southgate, CA is here to assist you with expert insurance advice.

Here are some tips for getting the most out of your boat insurance

1. Understand Your Policy’s Coverage

The first step to getting the most out of your boat insurance is understanding what coverage your policy actually provides. There are a variety of different types of boat insurance, so make sure you’re familiar with the details of yours. That way, you’ll know what to expect if you need to file a claim.

2. Shop Around for the Best Policy

Like any other insurance policy, it’s important to shop for the best boat insurance. Get quotes from multiple companies and compare coverage levels. You may find that one company offers a better deal than another.

3. Consider Adding Extra Coverage

Depending on the value of your boat and what you use it for, you may want to consider adding extra coverage to your policy. For example, if you take your boat out on the open seas frequently, you might want to add towing coverage in case you run into trouble.

4. Know When to File a Claim

Even if you have the best boat insurance policy in the world, it won’t do you any good if you don’t know when to file a claim. Familiarize yourself with the process and ensure you understand what is excluded from coverage. That way, you can avoid any surprises down the road.

5. Review Your Policy Yearly

Your needs as a boat owner may change over time. As such, it’s important to review your policy yearly. Make sure the coverage levels are still appropriate, and you’re not paying for anything you don’t need.

Get Boat Insurance

By following these tips, you can be sure you’re getting the most out of your boat insurance policy. ANA Insurance Brokerage Inc. in Southgate, CA can help you find the right policy for your needs. Contact us today for more information.

Read More

If you own a boat, it’s important to have boat insurance. However, that does not automatically mean that your policy will provide the coverage you need. ANA Insurance Brokerage Inc. in Southgate, CA is here to assist you with expert insurance advice.

Here are some tips for getting the most out of your boat insurance

1. Understand Your Policy’s Coverage

The first step to getting the most out of your boat insurance is understanding what coverage your policy actually provides. There are a variety of different types of boat insurance, so make sure you’re familiar with the details of yours. That way, you’ll know what to expect if you need to file a claim.

2. Shop Around for the Best Policy

Like any other insurance policy, it’s important to shop for the best boat insurance. Get quotes from multiple companies and compare coverage levels. You may find that one company offers a better deal than another.

3. Consider Adding Extra Coverage

Depending on the value of your boat and what you use it for, you may want to consider adding extra coverage to your policy. For example, if you take your boat out on the open seas frequently, you might want to add towing coverage in case you run into trouble.

4. Know When to File a Claim

Even if you have the best boat insurance policy in the world, it won’t do you any good if you don’t know when to file a claim. Familiarize yourself with the process and ensure you understand what is excluded from coverage. That way, you can avoid any surprises down the road.

5. Review Your Policy Yearly

Your needs as a boat owner may change over time. As such, it’s important to review your policy yearly. Make sure the coverage levels are still appropriate, and you’re not paying for anything you don’t need.

Get Boat Insurance

By following these tips, you can be sure you’re getting the most out of your boat insurance policy. ANA Insurance Brokerage Inc. in Southgate, CA can help you find the right policy for your needs. Contact us today for more information.

Who Needs Umbrella Insurance?

Posted on by adminPosted in Umbrella InsuranceTagged ,

We at ANA Insurance Brokerage Inc. know that umbrella insurance can help protect you from incurring financially cataclysmic losses from liability. We are here to provide expert advice if you ever find yourself in the following situations. 

Who Needs Umbrella Insurance?

In Southgate, CA and the surrounding area, many people volunteer in their community. Every week, concerned citizens help clean up parks, coach kids’ sports teams, volunteer at soup kitchens, etc. Those individuals need umbrella insurance to protect their finances. Umbrella insurance provides a secondary policy that you add to a primary liability policy. Whether you accidentally libel someone in a newspaper or online, or you cause an accident that injures people, your liability insurance covers it.

Most policies don’t offer large coverage amounts. They weren’t originally designed for that and adding an umbrella policy provides the excess coverage that certain individuals need but most people don’t. Typically, a million-dollar policy costs just a few dollars per month in premiums.

As you age, it becomes more important to carry this coverage. That’s because, without it, an accident you cause could wipe out your savings.

Let’s say you plan to retire at age 70. You have a nice nest egg built up of about $400,000. At age 60, you throw a party to celebrate your child’s graduation from medical school. At this party, a fire in the BBQ pit injures three guests. The medical bills cost upwards of $250,000 and your home policy covers just $50,000 of it. The other $200,000 comes out of your retirement. Now, you have ten years to make up that $200K before retiring.

An umbrella policy solves the problem. It could provide $1 million of coverage for a minuscule cost.

Call Us Today

Contact ANA Insurance Brokerage Inc. serving Southgate CA, for more information on umbrella insurance. Let us help you add to your protection from liability.

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We at ANA Insurance Brokerage Inc. know that umbrella insurance can help protect you from incurring financially cataclysmic losses from liability. We are here to provide expert advice if you ever find yourself in the following situations. 

Who Needs Umbrella Insurance?

In Southgate, CA and the surrounding area, many people volunteer in their community. Every week, concerned citizens help clean up parks, coach kids’ sports teams, volunteer at soup kitchens, etc. Those individuals need umbrella insurance to protect their finances. Umbrella insurance provides a secondary policy that you add to a primary liability policy. Whether you accidentally libel someone in a newspaper or online, or you cause an accident that injures people, your liability insurance covers it.

Most policies don’t offer large coverage amounts. They weren’t originally designed for that and adding an umbrella policy provides the excess coverage that certain individuals need but most people don’t. Typically, a million-dollar policy costs just a few dollars per month in premiums.

As you age, it becomes more important to carry this coverage. That’s because, without it, an accident you cause could wipe out your savings.

Let’s say you plan to retire at age 70. You have a nice nest egg built up of about $400,000. At age 60, you throw a party to celebrate your child’s graduation from medical school. At this party, a fire in the BBQ pit injures three guests. The medical bills cost upwards of $250,000 and your home policy covers just $50,000 of it. The other $200,000 comes out of your retirement. Now, you have ten years to make up that $200K before retiring.

An umbrella policy solves the problem. It could provide $1 million of coverage for a minuscule cost.

Call Us Today

Contact ANA Insurance Brokerage Inc. serving Southgate CA, for more information on umbrella insurance. Let us help you add to your protection from liability.

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