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We are individually owned and locally operated, to make certian that the needs of our community are being met. We work hard to make certian that our clients in Long Beach, Lakewood, Signal Hill, Bellflower, Cerritos, Norwalk, Artesia, Downey and other Southern California surrounding cities are able to have the most affordable and reliable insurance options available.
We will work with you to make certian that your insurance coverage is tailored to meet your specific needs. We realize that each of our clients are unique and that their insurance plans should also be unique. You can rely on us to find you the right amount of coverage paired with the best price.
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3 Reasons to Choose Neighbors Plus
Long Beach local realtor, Jenny Trotta Pok characterizes the three reasons she choose Neighbors Plus for her insurance needs.
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We all age differently. Over time, we all have physical changes which can influence our driving. Statistically, drivers over age 65, along with new teenage drivers, have more accidents for each mile they driver than any other age group. As a result, insurance rates do increase for this... read more »
At Neighbors Plus Insurance, Our Focus Is YOU! If you're in the Lakewood, CA or Southern California area, you can rely on Neighbors Plus to tackle all your insurance needs. Here are a few of the many insurance services we offer:
We realize that because each Lakewood, CA customer is UNIQUE, they each need a unique insurance plan. Neighbors Plus is ready to give you the undivided attention and personalized care you deserve. Being located in Long Beach, we are eagar to serve the insurance needs of our neighbors and friends in the community. Our goal is to offer you powerful insurance coverage at the most affordable price possible.
Being an independent insurance agency means good news for you! At Neighbors Plus, we only work with insurance companies who have a established track record of being financially rock solid and reliable. We are focused on your best interests, not the insurance company's! We can't wait to show you our wide variety of choices in order to tailor the perfect plan for you.
Don't be confused or intimidated by insurance choices. No one likes to agonize about insurance coverage. Whether you need home insurance, auto insurance, or multiple insurance coverage, let the Lakewood, CA insurance experts take the insurance load off your mind. Come experience our high level of customer service. Call or come in to our Long Beach office today and let us start working for you!
Auto insurance in Lakewood, CA is a great way to cover your assets, your health and your car. When you sign up for an auto insurance policy, you should be sure that you have a policy that meets your needs. At Neighbors Plus Insurance we are dedicated to finding the Lakewood, CA auto insurance policy that is going to fit our customer's particular needs.
If you have questions about your current auto insurance policy or if you want to make changes or sign up for a new policy, come visit us. You can talk with a real person and benefit from face-to-face interaction.
We are located at 4195 N Viking Way Suite G, Long Beach, CA 90808 and we look forward to meeting you!
Your auto insurance policy will be a contract between yourself and the insurance company. As long as you are paying the agreed upon premium, your insurance company will provide you with the agreed upon coverage.
There are some types of auto insurance, and you should find the type of auto insurance that is going to best fit your needs. It is necessary to have liability insurance if you are going to register your car in Lakewood, CA, California.
If you have put your car up as collateral for a loan, the financial institution that you are working with may require you to carry comprehensive and collision coverage. This way, they know that your car is going to retain value.
As you look around for the auto insurance that is right for you, you will want to be able to identify and see what these auto insurance terms mean...
There are some discounts that are available with a variety of insurance companies. While you decide what insurance policy you want to go with, you should discuss the potential for discounts. Some common discounts you may want to discuss are...
Whether you are looking for ways to save on your current auto insurance policy in Lakewood, CA, you are signing up for auto insurance for the first time or you want to find ways to save on your auto insurance policy, we can help you.
Stop by our office today. We are conveniently located at 4195 N Viking Way Suite G, Long Beach, CA 90808. You can also e-mail or call us today, and we will make sure that we are in touch as soon as possible.
When it comes to Homeowners Insurance, you want to pick the correct policy to protect you and your home. As a home owner, you put your heart into your home. Your home is part of you and your life, and you should have an excellent Homeowners Insurance policy to secure your personal property.
At Neighbors Plus Insurance, you can count on finding the Homeowners Policy you need for your home and property. At Home Owners Insurance Lakewood, CA, you can be sure that you are getting the best policy in the area. Not only can you be protected from damage to your dwelling or your home, but you can get personal property coverage, as well. This includes high-priced items that you travel with, or you take outside of your home.
Neighbors Plus Insurance knows how to find you those discounts that you can't find on your own. Finally, with Homeowners Insurance Long Beach, 90808, you can have an affordable Homeowners Insurance Policy that accommodates more than enough coverage for your needs.
At Neighbors Plus Insurance, we believe that you should know the insurance basics, your insurance coverage, and your insurance policy. A lot of people don't understand their policy, and they never know what coverage they are purchasing. At Neighbors Plus, we will go over the insurance basics with you, without making it too boring or long.
If you are in the market for new homeowners insurance, or looking to upgrade your current policy, come see us today! Stop by our office.
No matter what kind of residents you are renting, renters insurance can be a great way to cover your temporary property. Stop by our office at 4195 N. Viking Way, Long Beach, CA 90808 and we can review the renters insurance policies that are available in Lakewood, CA.
One common fallacy among many people who rent their homes is that they are covered under their landlord's insurance in case of an burglary, accident, or other disaster. Let me dismiss that myth and a few others as well. The truth is:
Given this level of risk danger, it's surprising more tenants aren't insured; by some calculations, up to two-thirds go without coverage. That tide is starting to change, however, as more and more landlords now require rental insurance.
For the peace of mind it brings, renters insurance is surprisingly reasonable. It typically costs about $150 to $300 a year for basic coverage -- like ordering a pizza once a month. You may feel your belongings aren't valuable enough to insure, but imagine an electrical fire or burst water pipe ruined your belongings: Think of the expense to replace everything -- not to mention pay for alternate housing during repairs.
Most likely part of your Homeowners Association fee goes to the insurance coverage that your condo association has purchased for your unit's building and common areas within your condo community. But, you are left to your own devices when it comes to damage within your dwelling unit. This often leaves condo owners feeling unprotected. You may even find that to acquire a condo within a particular community you are required to purchase a "walls-in" insurance policy before you are allowed to live within the community.
Fortunately, condo insurance coverage is not expensive and the coverage choices are hugeextensive. You may even find that you are able to get a discount on your auto insurance policy if you obtain this condo coverage with the same company.
As you are shopping through numerous condo coverage choices, be sure that you realize what these condo coverage terms mean...
Singling out the right insurance policy is much like selecting the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Even though most states require you to carry a minimum amount of liability coverage, other categories of coverage are usually optional. Always ask your company representative or insurance agent which laws apply in your state.
In order to find out what coverage is best for you, it is important to realize all the options available.
Liability insurance covers bodily injury and property damage that you may cause to other people involved in a collision. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included is contingent on the laws of your state and the company issuing the policy.
Collision insurance covers damage to your motorcycle if you are involved in a collision. Your insurance company pays for damages, less your deductible, caused when you collide with another vehicle or object. Collision insurance normally covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage pays for damages caused by an event other than a collision, such as vandalism, theft or fire. However, just like collision coverage, your insurance company will pay for damages, less your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, sidecars or trailers, you should look into obtaining additional or optional equipment coverage.
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for lost wages, medical treatment and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be obtained separately.
Many aspects can play a role in deciding what your insurance costs will be such as your age, where you live, your driving record and the type of motorcycle you own, or being a graduate of a rider-training course.
Choose the insurance company or agent that's right for you. If you already have auto insurance, you can contact the same insurer. Otherwise, ask friends, relatives and co-workers where they bought their motorcycle or auto insurance. Your local motorcycle shop may have a company they refer customers to. Or you can check local motorcycle magazines and newspapers for insurance agents advertising motorcycle insurance.
Courtesy of Insurance Information Institute
Most all companies provide limited coverage for property damage for small boats such as small sail boats and canoes or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined. Liability coverage is most often not included–but it can be added as an endorsement to a homeowners policy. Check with your insurance agent to find out if your boat is covered and what the limits are.
Faster and larger boats such as yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The type, size and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
For physical loss or damage, coverage includes the hull, fittings, machinery, furnishings and permanently attached equipment as part of either an actual cash value policy or on an agreed amount value basis. These policies also provide broader liability protection than a homeowners policy. But there are unmistakable differences between the two categories of policies.
Actual Cash Value policies pay for replacement costs less depreciation at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the vessel’s estimated market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.
Agreed Amount Value basis policies mean that you and your insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.
Boat insurance also covers:
Most companies offer liability limits that start at $15,000 and can be increased to $300,000. Most often policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available. Additional coverage can be acquired for trailers and other accessories. Boat owners may also ponder purchasing an umbrella liability policy which will add additional protection for their boat, home and auto.
Boaters should also ask about special equipment kept on the boat, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.
Boat owners should also ask about discounts for the following:
There are thousands of recreational boating collisions per year. Contributing factors to these collisions include traveling too fast for weather or water conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, inexperience and carelessness.
To prevent boating collisions, we offer these safety suggestions:
Skippers can obtain free advice and boating-safety courses from the U.S. Coast Guard Auxiliary. Upon request, the associate will conduct a Courtesy Marine Examination (CME) on your boat, checking safety equipment and electrical and fuel hoses. Boats meeting safety standards are awarded the CME decal "Seal of Safety."
Courtesy of Insurance Information Institute
Even though you may not have considered a Lakewood, CA Umbrella Insurance plan before, it may be the most advantagous way to protect your assets. If you would like to discuss your umbrella insurance choices, do not be afraid to stop by 4195 N. Viking Way Suite G, Long Beach, CA 90808. We can help you see what policy would be most advantageous to you.
Wealth. Lawsuits. It's easy to assume a relationship between the two. Unfortunately, that assumption is a general oversight made by most people. Anyone can be sued, regardless of income level, for just about any reason - your dog accidentally injured your neighbor's child, an overgrown tree in your yard crashed through your neighbor's roof or the unthinkable happens and you severely injure someone in a car crash. Personal liability lawsuits can result in judgments amounting to six and seven figures.
If you're not covered by an umbrella policy, you could be risking everything - your auto, your home, the lifestyle to which you and your family are accustomed, and possibly your future income.
Typical auto, homeowners and other property insurance liability limits are not satisfactory to cover the large court judgments being awarded these days. If you ever have to pay such a judgment, an umbrella policy can provide added protection and may help you safeguard your assets.
There are also some categories of personal liability losses that your other policies do not cover, including libel, slander, defamation of character or invasion of privacy. An umbrella policy fills the gaps in your insurance policies by extending protection for these classes of claims. Best of all, this vital insurance protection is relatively reasonable.
Mobile home insurance policies provide two basic kinds of coverage: personal liability and physical damage coverage. Choosing the right insurance policy is much like picking the right mobile home. You want it to fit your needs and lifestyle, but you also want the insurance coverage to fit within your budget.
These coverage choices are available for commercial mobile homes, rental mobile homes, mobile homes that are used seasonally, or on private property or mobile homes located in a park. If you already have car or homeowners insurance, you can try contacting the same insurer to see if you are eligible for a discount.
Physical damage coverage pays for accidental damage to your mobile home, belongings, or other structures (such as attached decks or patios, garages or storage sheds) resulting from hail, fire, wind, theft and vandalism, or falling objects. The amount and degree of coverage varies from one policy to another, so make sure to compare policies carefully.
Some policies only cover exact causes of loss (named peril policies). This is basic coverage and while the low premiums may seem like a bargain, it could cost you hundreds of dollars in the event of a claim, if the damage is not caused by one of the named perils.
Customarily, coverage under a regular policy doesn’t apply while the mobile home is in transit. Also, like regular homeowners insurance, flood is not generally covered, so be sure to find out whether you are in a flood zone and can obtain flood insurance through the National Flood Insurance Program.
Damage to property isn’t the only risk of modern life. Liability insurance coverage applies when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. That amount may be more than what comes standard with a mobile home insurance policy, so it may be wise to ponder purchasing additional liability insurance. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. However, liability coverage does not pay claims for injuries to you or the members of your household.
Not all insurance companies offer mobile home insurance in all states. Check with your agent or insurance company specialist to verify the availability of coverage in your state or contact your state insurance department.
Courtesy of Insurance Information Institute
When you own your own busines, a business owner's policy can be just as beneficial to you as a homeowner's policy is to homeowners. The Business owner's policies were developed in the 1970s and many small to medium sized businesses have benefitted from this type of policy for the past forty years.
A business owner's policy is a combination of many categories of coverage to make certian that business owner's have the coverage that they need in one insurance package. Business owner's are able to get the coverage that they need without signing up for many several and smaller policies. This type of policy makes insurance for small business owners more efficient, simple and affordable.
The majority of coverage that is necessary for small to medium business owners is included in these plans. Simplifying your business' insurance plan and saving you money, business owner's policies can be a paramount decision. A typeical business owner's policy includes property coverage, liability coverage and more. If your company has unique insurance needs, you may be able to add additional coverage packages.
As a businessowner, you need some of the same insurance coverages for the vans, trucks, cars or other vehicles you use in your business as you do for vehicles used for personal travel.
Your Businessowners Policy (BOP) does not lend any coverage for vehicles, so you must have a separate policy.
Most states require you to buy liability insurance for bodily injury and property damage that may result from a vehicle collision occurring while you or someone from your organization is driving on business. Many states also require you to have uninsured/underinsured motorists coverage and/or medical payments coverage (known as Personal Injury Protection (PIP) in some states). You can also buy physical damage coverage for vehicles your business owns, leases or hires.
The Business Auto Coverage Form (BACF) is the most commonly used contract for providing business auto liability insurance. Despite the fact that the form refers only to “autos,” autos are defined to include vans, cars, trucks, trailers or other vehicles designed for use on public roads.
Each vehicle you use in your business can be separately “scheduled,” or listed on your policy along with corresponding coverages. In other words, you can opt for various coverages, for your various vehicles, depending on the vehicle’s characteristics and the coverage you need for it.
Your insurance professional will ask in detail how you use vehicles in your business; who will be driving them; whether you rent, own, or lease; and whether you and your employees are likely to be driving their own cars for your business. The answers to these questions will indicate the classes of coverage you need.
In general, only a BACF can provide the level of liability protection—the recommended minimum is $500,000—that even a small business needs to cover the potential damages in a serious collision.
Your personal auto policy provides coverage for some business use of your vehicle. Similarly, your employees’ personal auto policies cover some business use of their vehicles too.
A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in business. It will not provide coverage for any vehicle owned by a business. The personal auto policy, whether your employee’s or yours, may not have enough coverage to safeguard your business.
For example, imagine you are driving your car to a business meeting while having an intense conversation on your cell phone with one of your sales reps. By the time you notice a vehicle ahead of you has stopped to make a left turn, it’s too late to avoid a collision. The driver and five passengers are injured in the collision. They sue you and your company.
If you have only a personal auto policy, your insurer will probably defend you personally and pay the claim—up to the policy limit. Your personal auto policy insurer will not cover or pay damages on behalf of your business, however.
For a very serious collision or one with a number of injured people, your personal auto policy may not be enough to cover the damages. In that circumstance, the injured parties would likely sue to collect damages from your business.
If you or your employees are driving personal vehicles on business and relying on your personal auto policies, be sure you and they have sufficient liability coverage to protect your business in the event of a serious auto collision.
Do not presume to rely on a personal umbrella policy for any claims that arise from business use of a vehicle. most often, the personal umbrella excludes all claims occurring in the course of a business endeavor.
The confines of coverage in the business auto policy can be either narrow, depending on your choice of choices. It could, for example, be written to apply only to one specifically described auto. Or, as an example of very broad coverage, the policy could be written to apply to the named insured's liability exposures arising out of the use of any auto.
In general, you have three choices for which vehicles you choose to cover.
Most businesses should buy the third type, since that is the only coverage that secures the business from liability when an employee or owner is driving a personal vehicle on business.
Be sure the right insured is on the policy. An insurance contract generally requires that the owner of a vehicle be named in the policy "Declarations" as the “principal insured.” If you drive any of the same vehicles for both business and pleasure, make sure you tell your insurance agent who holds the vehicle’s title, you personally or your company. This will avoid problems if you need to file a claim or a claim is filed against you.
The three classes of physical damage coverage for motor vehicles are collision, comprehensive and specified perils.
If your businesses has a large fleet of vehicles, over time, it may be more costly to insure the fleet for physical damage than it is to retain the risk, that is, pay for any physical damage directly rather than by insurance.
Despite of how many vehicles your business has, it may be cost effective to maintain physical damage coverage only on the newer or more valuable vehicles.
The amount an insurer will pay on an auto physical damage or theft claim depends on the market value, known as Actual Cash Value (ACV), of the vehicle at the time of the loss. The most that will be paid is the lesser of the ACV or the cost to repair or replace the vehicle with one of like kind and quality. In the event of a total loss, the ACV is adjusted for depreciation and the vehicle’s physical condition. Thus, the older the vehicle and the worse its condition, the more its value has depreciated and the less the insurer will pay.
The insurance company may pay you the value of the loss in money or, at its choice, it may repair or replace the damaged or stolen vehicle. In case of a theft, it may return the stolen vehicle to you with payment for any damage caused by the theft.
The liability portion of the BACF binds the insurer to pay all damages the business is legally obligated to pay because of bodily injury or property damage caused by a covered vehicle, up to the policy limits.
When there is an auto liability lawsuit against the insured business, where the loss is covered by the policy, the insurer is obligated to cover the business or settle the lawsuit. The resolution whether to contest or settle the case is solely at the insurer’s discretion.
The insurer’s duty to secure or settle ends when the insurance policy limits are exhausted. By way of example, imagine that three people are injured in a collision in which you or one of your employees is at fault. The policy limit is exhausted in judgments or settlements for the first two claimants. That leaves your business liable to pay the award directly, should there be a judgment in favor of the third person.
Punitive damages may be awarded in cases of gross negligence, such as drunk or reckless driving. By law in a number of states, a BACF cannot cover any punitive damages for which you may be liable. Even in states where coverage for punitive damages is allowed, your policy may exclude them.
Many insurers recommend a business auto coverage limit of $1,000,000, with $500,000 as the minimum. The higher limit does not add a great deal to the premium, considering the amount of additional protection it lends.
Unlike personal auto policies that have separate limits for bodily injury and property damage liability (split limits), the BACF commonly has a Combined Single Limit (CSL). This creates higher limits for both bodily injury and property damage coverages, including per occurrence limits. Despite the fact that you can acquire other limits, the most common commercial automobile CSLs for a small business are $500,000 and $1,000,000.
If you have a business umbrella policy, it would provide protection for hired, owned and non-owned autos, if the umbrella shows the auto liability policy as an underlying policy for which it provides coverage.
Some businesses let employees drive company vehicles home and use them for personal purposes in the evenings or on weekends. So long as these vehicles are scheduled on your business auto policy and the appropriate “coverage auto symbols” are shown on the "Declarations" page, you have coverage for owned autos taken home by employees.
Employees’ own personal auto policies will not cover their use of a company car unless the car has been specifically borrowed as a temporary replacement for the employee’s own car while it is unavailable. In addition, employees who lease, hire, rent or borrow autos for their personal use are not covered by their employer’s business auto policy.
At times employees or executives of a company or other persons who are supplied with a vehicle owned by the company have only that vehicle. They do not own a personal vehicle nor do they obtain personal automobile coverage. The BACF does not cover personal use of the vehicle in this situation. To close this coverage gap, you need to add the Drive Other Car Coverage Endorsement to your BACF. This provides insurance while the named individual or a member of his or her family is driving a car borrowed from a third party.
If your employees drive their own cars for business purposes—to visit clients, for example—your business could wind up liable for property damage and bodily injuries resulting from a traffic collision for which an employee was at fault.
Sometimes businessowners don’t notice they have this exposure. Consider these scenarios:
These are all situations where a business can find itself liable for an auto collision with damages higher than the policy limit of the employee’s personal auto policy.
To cover your business from these liability risks, you can add the Non-owned Auto Liability Endorsement to your BACF. It provides coverage when employees drive their own vehicles on business. This BACF coverage is excess over the limits provided by the employee’s personal auto coverage. If the employee’s limits are low—such as only to satisfy state financial accountability limits—then it is critically important for the business to have this non-owned auto protection.
You are legally liable when you allow someone to drive one of your vehicles. If you fail to take reasonable steps to check that the driver is qualified to drive or if you allow someone to drive whom you know has a poor driving record and that person causes a collision, you could be liable for negligent entrustment. Any damages awarded for negligent entrustment would be on top of liability for the accident itself.
A case of negligent entrustment arises when someone allows another person to use a vehicle knowing or having reason to know that the use of the vehicle by that person creates a risk of harm to others.
Your organization is responsible for verifying a driver’s qualifications before entrusting him or her with a vehicle. Do not entrust a bad driver with a vehicle—not even for a quick errand.
The best way to keep your BACF premiums down is to avert accidents. Driving safety should be emphasized. Drivers should not be so pressured to produce that they feel compelled to drive unsafely. All vehicles should be well maintained.
Ask your agent whether your insurance company has business auto safety resources that you can use to help your organization be accident free. For more information on reducing the risk of auto accidents, click here.
Courtesy of Insurance Information Institute
Agents that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This covers them against financial losses from lawsuits filed against them by their clients.
Agents are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called "errors and omissions" liability.
Professional liability insurance is a specialty coverage. Professional liability coverage is not provided under homeowners endorsements, in-home business policies or businessowners policies (BOPs).
Courtesy of Insurance Information Institute