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T.D. McNeil Insurance Services

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

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Motorcycle Insurance Tips for Navigating the Best Routes in Folsom, CA

Folsom, CA is a picturesque town where cyclists have access to some of the most scenic routes in the Golden State. These routes wind through the Sierra Nevada Foothills and are perfect for those looking to explore nature and seek tranquility away from the rush of the city.

Here are some tips from T.D. McNeil Insurance Services to enhance your ride when you’re exploring the following areas near Sacramento:

  • Sierra Nevada Foothills
  • Placerville Loop
  • Mosquito Ridge Road
  • Sacramento River Delta

Conduct Pre-Trip Inspections

Safety should always be a top priority for local cyclists and those journeying through Folsom, CA. Prior to your trip, inspect your bike. This should include checking your bike’s tires and brakes and making sure fluid levels are correct. Don’t forget to invest in safety gear like impact-resistant helmets, jackets, and dust-resistant goggles or glasses for a clear, unobstructed view of the road.

Plan Your Ride Around Local Traffic Patterns

Considering factors like local weather and peak traffic times can save you both time and frustration when planning your trips. Early morning rides are ideal for biking enthusiasts who wish to take advantage of cooler temperatures before the heat of the mid to late afternoon rolls in.

Ensure Your Ride with Comprehensive Motorcycle Insurance

Obtaining comprehensive motorcycle insurance from a reputable local insurance agency is the best way to protect your ride fully. A comprehensive policy can include coverages to cover costs and damages associated with both collision and non-collision-related accidents.

A licensed and knowledgeable local insurance agent at T.D. McNeil Insurance Services can provide coverage options and offer you a motorcycle insurance quote when you contact our office today!

Explore with Confidence: Folsom Residents Need Motorhome Insurance

At T.D. McNeil Insurance Services offers residents in Folsom, CA, the motorhome insurance they need to explore confidently. If you’re ready to go on new adventures and discover new life in joys, having motorhome insurance you can count on will enable you to live in the moment without being bogged down by worries of what-ifs and oh nos.

Why Motorhome Insurance is Important

Motorhome insurance is important because RVs and other recreational vehicles are big investments that can lead to significant damages if there is an accident or incident. Thus, it is a good standard practice to ensure extensive motorhome coverage.

California law requires that no matter where you plan on going with your motorhome if it is registered in California, you have to have at least a bare minimum of coverage. You must have at least $15,000 in bodily injury per person, $30,000 in total bodily injury, and $10,000 in property damage of liability coverage. This applies to any motorhome that can move under its own power.

What Motorhome Insurance Protects

While you have to have liability insurance, a motorhome policy can offer a wide range of other coverage, depending on your needs and the level of protection you want. Higher levels of coverage are critical if you plan on going on many or long trips. Those who use their motorhomes as their primary home generally want the most coverage. If you use your motorhome less often, higher levels of coverage may be less appealing to you, but what is right will depend on your overall circumstances and personal desires.

Some coverage types you might want to have include:

  • Collision coverage for any damage that comes to your vehicle from accidents with objects or other vehicles
  • Comprehensive coverage for non-collision related damages like natural disasters, vandalism, or other issues beyond your control
  • Bodily damage and property damage liability cover a range of expenses like medical bills, property expenses for someone else’s medical bills, or property damage.

Take on New Journeys Stress-Free

Motorhome insurance is important for Folsom, CA, residents, which is why T.D. McNeil Insurance Service wants to offer the level of coverage that each person wants or needs for their unique circumstances. Request a quote, and we can help you start new journeys protected by quality insurance policies matched to your needs.

Four rules to follow when you buy RV insurance in California

RV owners in Folsom, CA, can rely on us at T.D. McNeil Insurance Services for their insurance needs. However, it’s important to follow a few key rules when purchasing RV insurance in California.

Here are four important RV insurance rules to keep in mind. 

Know how much your RV is worth.

You should insure your RV for its full value so that you won’t face any financial loss if it’s totaled. That’s why it’s important to be aware of how much your RV is worth when you purchase a policy.

Tailor your policy to your RV usage.

Some RV owners only use their RV during certain times of the year. If you don’t use your RV during certain seasons, you should make sure that the RV insurance coverage you buy is adjusted accordingly.

Many RV insurance providers offer policies that can be adjusted to only offer storage coverage for times of the year when the policyholder is not taking the insured RV out on public roads. 

Meet California’s liability requirements.

By law, motorists must carry at least $30,000 in total bodily injury liability coverage. Ensuring your RV insurance policy meets all California liability coverage requirements is essential. 

Compare your options to get the right policy for your needs

You have a lot of options to consider when you buy RV insurance. Compare your options before you buy a policy. You can get quotes from numerous RV insurance providers and choose the most valuable policy. 

If you need a quote on an RV insurance policy in Folsom, CA, call us today at T.D. McNeil Insurance Services!

Why Can’t You Fix Tires With Sidewall Damage?

Getting a flat tire is bad enough, but it only gets worse when you find the damage is to the sidewall. T.D. McNeil Insurance Services in Folsom, CA, wants you to know that no matter how simple the damage is if it’s on the sidewall and not the tread that contacts the road surface, you’ll have to replace your tire. This is due to how tires are constructed, and it’s essential that you understand why.

What Makes Sidewalls Unrepairable?

Sidewalls are flexible, allowing tires to handle expansion due to heat during use and to add some cushioning as the tires travel over uneven surfaces. A perfectly rigid tire would make for an uncomfortable ride, no matter how good your shocks or struts were. The flexibility also helps the tire handle the weight of the car and all its passengers and cargo. However, that flexibility would destroy any patch or plug used on the sidewall, leading to a blowout while driving.

That makes sense, but it raises the question of why a repair to the tread is OK when the tread is constantly rolling over the road and hitting rough surfaces. The tread section is thicker and stronger than the sidewall, and most tires now contain steel cords that keep the tread section more stable than the sidewall or shoulder. A repair stands a better chance of remaining strong and in place if it’s in the tread section. And remember, only puncture-type damage can be repaired; anything longer than that requires tire replacement.

T.D. McNeil Insurance Services in Folsom, CA, can help you with auto insurance and repair claims. Contact us today to discuss coverage.

Boat Maintenance Essentials

To ensure your boat’s optimal performance, safety, and longevity, it is important to follow the recommended maintenance guidelines for the vessel. According to the insurance professionals at T.D. McNeil Insurance Services in Folsom, CA, proper boat insurance and regular boat upkeep are the smartest ways to avoid expensive repairs and find stress-free and worry-free adventures where you may be headed.

Essential Boat Maintenance Tasks

Like any machine, routine inspections are the foundation of adequate boat maintenance. Before you depart, check the boat for signs of corrosion or damage in the areas around the propeller, hull, safety equipment, etc. Identifying an issue can help avoid more costly problems later on. Regular maintenance is essential for –

  • The Engine – the heart/power of the vessel.
  • The Drive train/Propeller – is another essential component that requires routine inspection.
  • The Safety Equipment – check life jackets, fire extinguishers, flares, and related safety gear.
  • The Electrical System – a properly working system is necessary to power important equipment on board and ensure passengers’ safety.
  • The Bilge Pump – removes excess water to keep the boat afloat.

Additionally, it is important to maintain a clean vessel because it helps enhance its overall look and protects the surface materials from deteriorating or corroding.

  • Wash your boat regularly with water/mild soap. Focus on those areas prone to dirt, salt, and grime buildup organically.
  • Remove marine growth collected from all underwater parts (including the hull) to make sure you optimize fuel efficiency and the boat’s performance.

Contact a Leading Folsom, CA Boat Insurance Agency Today

Proper boat maintenance ensures a safe, enjoyable, and trouble-free boating experience. For more information about how to protect your boat and investment, contact a staff member at T.D. McNeil Insurance Services at 916-983-2561 or online.

Umbrella Insurance for Surprise Business Liability

At T.D. McNeil Insurance Services, we remind our customers in Folsom, CA that insurance is for surprises, as well as for covering the routine risks and responsibilities that life brings. That’s especially important for our business customers, who often have significant assets, either personal or as part of a legal entity like a corporation, that may be at risk in a liability situation.

Coverage for Surprise Liability Your Business Encounters

Umbrella insurance helps cover surprise liability situations for businesses as well as individuals, going beyond the basic limits of commercial or vehicle liability coverage. It also helps organize a response to surprise liability situations when you’re still dealing with the feeling that this situation shouldn’t be happening. Someone might have what seems like an unreasonable expectation of compensation for a situation or simply be trying to leverage that situation for gain.

Sometimes, they may be trying to shift the blame, to protect themselves, and to make it official to put you on the hook for damages. However, if you see a situation that caught you off guard, with umbrella insurance, you can recover from the shock and get started on handling it.

Making Wise Business Choices for Success

At T.D. McNeil Insurance Services, we stand behind our business clients with insurance that backs them up in Folsom, CA when they experience unexpected liability situations. These days, it’s hard to know when you’ll be on the spot, and it’s good to know you’re not alone when facing a problem you didn’t expect in your line of business.

Your umbrella insurance policy is an excellent way to respond to our uncertain world confidently and wisely. You’re saying, whatever comes my way, I’ll handle it and keep on track. Come and talk with us, and our insurance professionals can help.

4 Tips for Buying Flood Insurance

If you live in Folsom, CA, chances are that flooding may have an impact on your life. The Folsom area is moderately at risk of flooding in the next few decades, meaning that insurance is in greater need than ever before. With T.D. McNeil Insurance Services, homeowners can have the coverage they need to protect themselves against flooding.

Here are some tips for purchasing flood insurance.

1. Choose Public or Private Insurance Based on Your Needs

In California, homeowners can purchase public insurance through the National Flood Insurance Program (NFIP) or a private company. The NFIP is a federal government program managed by FEMA and covers specific coverage. Private insurance carriers create their own policies and can offer additional coverage. 

2. Purchase Flood Insurance Sooner Than Later

Typical homeowner’s insurance varies in coverage, but they rarely include protection against flooding. Purchasing separate flood insurance provides buyers with the assurance that they are fully protected if disaster strikes. 

3. Check a Variety of Insurers

Shop around for many flood insurance policies before making a decision. Some insurers provide shorter wait times for the coverage to begin. This difference can be critical in protecting your home from flooding. There are also differences in pricing and covered expenses, so look at the insurance options in your area. 

4. Check Your Flood Insurance Coverage

Remember that your flood insurance likely doesn’t cover earthquakes, even if a flood causes them. Carefully check your policy before purchasing.

Whether choosing federal or private insurance, flood coverage is a necessity. Contact T.D. McNeil Insurance Services today for your flood policy needs in Folsom, CA. 

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. 

Our Partners
  • foremost
  • Hudson
  • Kemper
  • Liberty Mutual
  • Mercury
  • Metlife
  • National General
  • Personal Umbrella
  • Progressive
  • Safeco
  • Stillwater
  • The Hartford
  • Travelers