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T.D. McNeil Insurance Services

110 Blue Ravine Rd, Suite 105,
Folsom, CA 95630

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How Term Life Insurance Works

It’s always a good idea to have a life insurance policy in order to leave something behind for your beneficiaries. This is especially important if they rely on you for your income. Having a life insurance policy can save your loved ones from financial harm once you’re gone. There are two main types of this insurance- term life and whole life. Term life is a relatively simple type of insurance that is popular for a number of reasons.

When you’re interested in a term life policy, contact us at T.D. McNeil Insurance Services in Folsom, CA.

Term Life Basics

A term life insurance policy is one that is in place for a certain term of time. This may be ten years, 20, or any other amount of time. During this period, the life insurance policy is in force and will pay a death benefit to your beneficiaries if you pass away during that time. However, at the end of the term, if you haven’t passed away, the policy expires. After that, you have to seek out another policy if you want to be insured again. 

How It’s Different

This type of life insurance is very different from the other type, known as whole life. While whole life policies never expire, a term life policy has a clear expiration date from the beginning. Whole life policies also create a cash value that builds over time and allows policyholders to borrow that amount. Term life doesn’t build this value. And compared to whole life, term life is generally far more affordable. It’s often easier for people to fit term life policies into a budget. 

Get Life Insurance Today

It’s important to have a policy to protect your loved ones. When you need life insurance, call us at T.D. McNeil Insurance Services in Folsom, CA. 

Four common mistakes consumers make regarding motorcycle insurance

Get in touch with us at T.D. McNeil Insurance Services if you need motorcycle insurance in Folsom, CA. We are an insurance company offering coverage for motorcycle owners.

Don’t make mistakes when you buy motorcycle insurance that could lead to negative financial consequences.

Here are four common mistakes consumers make regarding motorcycle insurance:

Canceling your motorcycle insurance coverage when your bike is not in use

If you don’t use your bike during certain times of the year, that doesn’t necessarily mean you should cancel your policy.

A lot of motorcycle insurance providers offer storage coverage that customizes coverage to your unique needs throughout the year. Switching over to storage coverage is often better than just canceling your policy when your bike is not in use. 

Never updating your motorcycle insurance policy

it’s a good idea to reevaluate your motorcycle insurance policy occasionally. You might want to make some changes to your coverage if your bike’s value or your riding habits change. 

Assuming your motorcycle insurance policy includes collision coverage

A basic motorcycle insurance policy will usually only include liability coverage. You need to specify that you want collision coverage when you buy your policy if you want to be covered for damages to your bike.

Being unaware of coverage limitations

Motorcycle insurance coverage might not be in effect if you take your bike outside the country or if you use your bike for commercial activities. You should be aware of any coverage limitations related to geographic location or commercial activity. 

Reach Out To Us

If you need insurance coverage for your motorcycle in Folsom, CA, we can come to your assistance at T.D. McNeil Insurance Services. Call us to get a quote on a motorcycle insurance policy. 

Does motorhome insurance include protection against fire damage?

Here at T.D. McNeil Insurance Services, we’re proud to offer an array of outstanding insurance policies to meet the needs of all our Folson, CA clients, including comprehensive motorhome insurance. Comprehensive motorhome insurance is a complex type of insurance policy that will safeguard your home and property in a number of protected perils.

The following is a quick look at what you can expect from your Folsom, CA motorhome insurance policy as well as the answer to the question of whether motorhome insurance will protect against fire damage:

Does Motorhome Insurance Include Protection Against Fire Damage?

So long as you have comprehensive motorhome insurance, yes, your policy will include reimbursements for damages caused by fire up to your policy limits. Furthermore, your insurance provider will likely cover damages to property within your motorhome at the time of the incident as well as damages to its physical structure. Many insurance policies will also offer clauses that will cover food and lodging for the period in which you are unable to occupy your home as you wait for repairs, search for a replacement, or make your way to your home property. 

Other Types of Protection Coverage

Comprehensive insurance also covers other types of perils, including:

  • Theft and vandalism
  • Weather-related damages, such as from hail, lighting, or windstorm
  • Earthquake damage
  • Damage caused by falling objects
  • Towing and labor costs in the event of a breakdown

Learn More About Motorhome Insurance With T.D. McNeil Insurance Services

Your motorhome is a very important asset, and as such, you want to ensure that it is properly protected with a comprehensive motorhome insurance policy. That’s exactly what our team at T.D. McNeil Insurance Services can help with! Contact our team today to get your personalized quote. 

Does my RV insurance limit who can drive my RV?

At T.D. McNeil Insurance Services, we find RV insurance one of the most misunderstood types of policy. Folsom, CA residents with RV policies must list the individuals who will drive the RV.

RV Driver Requirements

Typically, RV policies let you add up to four drivers besides the RV’s owner. Each motorhome driver must maintain a valid driver’s license in the US. Some policies set an age limit, such as 18 or 21 years of age, to reduce risk.

Why Add Drivers?

Motorhome trips can mean long hours of driving, so many RV owners list every adult member of their immediate family on their policy. This lets them share driving duties.

In many ways, RV insurance works like auto insurance. For someone to use your vehicle, you need to list them on your insurance. That’s why spouses typically list both names as drivers on their policies. RV insurance works the same way.

Contact Us Today

Perhaps when you purchased your RV policy from T.D. McNeil Insurance Services you did not plan long trips, so you only listed yourself. You can update your RV policy to add drivers at any time. We recommend adding as many\ qualified RV drivers as your policy allows so you protect your finances in case of an accident.

If your family drives the RV and causes an accident, your policy may not cover the damages to your RV or the other vehicles. Before you leave on a trip from Folsom, CA to parts unknown, update your motorhome coverage. Call or email our offices today to get started.

Documents you should always have in your vehicle

When you are driving, there are some things you should always have in your vehicle. You need a spare tire and a jack in the event you get a flat. You need to have a flashlight in the glove box and a bottle of water. At T.D. McNeil Insurance Services in Folsom, CA, we provide personalized insurance service, and we will make sure that your auto insurance meets your needs. 

Documents you should always have in your vehicle

Vehicle registration

In California, vehicles are required to be registered annually. In order to get your vehicle registered, you need to get a smog emission test every other year. You should keep not only your vehicle registration but your emission results in the glove box of your vehicle. If you are in an accident or are stopped for another reason by the authorities, you will be required to show your registration. If it isn’t in the vehicle, there may be an issue. If your registration expires, you can be fined. 

Insurance card

When you get your auto insurance, it comes with cards that prove that you have auto insurance. These cards need to be carried in your vehicle to prove that you have auto insurance. There are strict penalties for failure to carry the required amount of auto insurance. Put it in the glove box with your vehicle registration.

Driver’s license

In the state of California, all drivers are required to have a driver’s license. A driver’s license is a form of ID, and most people carry it on their person in their wallet, pocket, or purse. It does not have to be left in the vehicle, but if you are driving, you need to have it with you. 

Reach Out To Us

Contact T.D. McNeil Insurance Services in Folsom, CA, when you need an independent insurance agent to meet your auto insurance requirements. 

Does boat insurance cover boat accidents in California?

Under California law, you are not required to carry boat insurance. Boating is a very popular activity in Folsom, CA, and many boaters probably carry either no insurance or inadequate protection.  Even if you choose not to carry insurance through T.D. McNeil Insurance Services, you are still responsible for anything that happens when you are out boating. Because there are more boats on California waterways, the state has a higher risk of being in an accident.

Boats and Accidents

California has some particularly great places for boating. Unfortunately, that also means that other people take advantage of the great location to let loose on the water. Even if you are careful and follow every rule, you may still be in an accident. Accidents may be caused by speeding, bad weather, or even just not paying attention. This can lead to property damage, injury, and even death. When there is no insurance, how will those damages get paid?

Who Was at Fault?

If you were at fault during an accident, the injured party or parties can sue you for compensation. When you have insurance, those parties will deal with your insurance company instead of you. If you were negligent and caused an accident, your policy will pay up to the maximum limits you chose. On the other hand, if you choose not to carry insurance, you will be personally liable for any damages and deal directly with victims.

Reach Out To Us

Boat insurance from T.D. McNeil Insurance Services will keep you from using your own bank account and property to compensate accident victims. If you enjoy boating in Folsom, CA, please feel free to call and learn how boat insurance can benefit you.

Who needs umbrella insurance?

Umbrella insurance from T.D. McNeil Insurance Services is a type of insurance policy that provides additional liability coverage beyond the limits of your existing policies. It’s designed to protect you from unexpected events here in the Folsom, CA area that could put you at risk for a lawsuit or costly judgment. 

Who needs umbrella insurance?

The answer is simple – anyone who has assets they want to protect should consider adding umbrella coverage. This includes homeowners, business owners, professionals, and anyone liable for a claim over $1 million dollars. Umbrella insurance can help you cover the costs associated with litigation, settlements, and legal fees in the event of an accident or injury caused by you or someone in your household.

Umbrella coverage also covers claims that may not be covered by your existing policies, such as libel, slander, or false arrest. So even if you don’t consider yourself “high-risk” when it comes to liability claims, adding umbrella insurance can provide much-needed protection for your assets and peace of mind in the event of an unfortunate incident.

Umbrella policies are usually purchased in increments of $1 million and can range anywhere from $100 to a few thousand dollars per year, depending on your risk profile. Before purchasing an umbrella policy, thoroughly review the coverage offered by your existing insurance policies and make sure all gaps in coverage are filled. 

Reach Out To Us

For more information on umbrella insurance, give us at T.D. McNeil Insurance Services a call today. We are proud to serve the Folsom, CA area and would be happy to help you find a policy that meets your needs and your budget. So don’t wait! Give us a call today.

Three priorities when you buy a flood insurance policy

Buying flood insurance is important whether you live in a flood zone or not. Flooding can happen almost anywhere, and flood damage is one of the most significant causes of damage to homes in the US. 

At T.D. McNeil Insurance Services, we insure homeowners in Folsom, CA against flood damage. If you are in the market for flood insurance, there are a few priorities that you should focus on.

The following are three key priorities when you buy a flood insurance policy:

Checking your options through the NFIP

The National Flood Insurance Program subsidizes flood insurance for homes in high-risk areas. If you live in a flood zone, you should definitely look into NFIP coverage before buying private flood insurance coverage. You may be able to enjoy significant savings with an NFIP-subsidized policy. 

Looking into your deductible options

One of the biggest decisions you make when you buy flood insurance is what your deductible amount is.

Insurance providers typically provide a few deductible options. Choosing a higher deductible could be a good way to bring down premium costs. However, you should remember that a higher deductible means you’ll have to pay more out of pocket if you need to file a claim in the future. 

Finding competitive rates by getting a few quotes

Always shop around to find a flood insurance policy with competitive rates. You should request quotes from a few different flood insurance providers and carefully compare these quotes before making a decision. 

Give Us A Call

Get a quote on a flood insurance policy for your home in Folsom, CA by getting in touch with us today. At T.D. McNeil Insurance Services, we’re here to provide you with the insurance coverage you need to protect your home and finances. 

I Think I’m the Beneficiary of a Life Insurance Policy

T.D. McNeil Insurance Services works with people just like you every day in Folsom, CA to claim life insurance benefits. Once the claims are distributed, the funds can be used to pay off a mortgage, pay off tuition expenses for college, or just about any other way the beneficiary sees fit. Keep reading to learn more about life insurance and how to find out if you are a beneficiary.

What Is the Beneficiary of a Life Insurance Policy?

A beneficiary is the individual or organization named in legal documents as the recipient of a person’s financial assets. Regarding life insurance, the payout will go to the beneficiary listed in the policy.

Even if a will says that the life insurance payment should go to a different person, most of the time, the beneficiary named in the policy is the one who gets the money. Policyholders can choose a secondary beneficiary, also called a contingent beneficiary, in case the main beneficiary of the insurance policy can’t or won’t get the money. In the event a primary or secondary beneficiary is unable to receive life insurance benefits, the funds will go to a residuary beneficiary. 

How to Find Out if You’re a Beneficiary?

It is not up to the life insurance company to tell the people who are supposed to get the money from the policy. If you think you might be the policy’s beneficiary, you should contact the probate court where the person who died lived. Life insurance beneficiary data is public information, so you can check the person’s will to see if you’re listed in it. In the event that you are, you’ll then need to contact the executor of the will. 

Give Us A Call

Think you’re the beneficiary of a life insurance policy in Folsom, CA? Contact T.D. McNeil Insurance Services today to learn more about the process of finding out if you are owed any beneficiary funds. 

Here’s Why Motorcycle Insurance is Absolutely Crucial

Riding a motorcycle can be a lot of fun. However, you will want to make sure that you are properly insured before hitting the road. While motorcycles are generally safe, this safety depends on drivers following the rules of the road. If you get in an accident on a motorcycle, you could be severely injured, and your property may end up damaged as well. Fortunately, the right motorcycle insurance plans can provide some protection.

Get in touch with T.D. McNeil Insurance Services, serving Folsom, CA and other areas nearby, to learn more about motorcycle insurance plans.

Mitigating Risks with Motorcycle Insurance

Modern automobiles are quite safe. Among other things, they are often equipped with airbags, automatic braking, rear-view cameras, and effective crumple zones. These safety features have made modern cars much safer to drive than their past counterparts.

Unfortunately, many of these safety features simply can’t be installed on a motorbike. While motorcycles now are safer than they were in the past, if an accident does occur, the risk of someone getting hurt is much higher than in the typical modern car or truck. Further, when people are injured, the injuries themselves are often more severe when motorcycles are involved.

Motorcycle insurance plans may cover medical bills resulting from injuries while using a motorcycle. This includes the motorcycle operator, passengers, and people in other vehicles. Keep in mind, however, that who is covered and how much is covered can vary depending on the plan and provider. It’s crucial to read the terms and stipulations for each motorcycle insurance plan you are considering.

Reach Out To Us

Further, most state governments also require that owners have insurance plans on their bikes. If you drive without insurance in California, you could end up in hot water. Contact T.D. McNeil Insurance Services, serving Folsom, CA and other areas nearby, to discuss motorcycle insurance plans.

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