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T.D. McNeil Insurance Services

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

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Do You Need a Seperate Renter’s Insurance Policy if Your Roommate Has One in Place?

If you have a roommate, you’ll want to learn more about rental insurance’s do’s and don’ts. This coverage is designed to provide liability protection for individuals who rent or lease a living space. This policy also covers some contents. This is necessary coverage that protects you and offers several benefits. If you want to secure reliable renter’s insurance, the experts at T.D. McNeil Insurance Services are proud to provide the residents of Folsom, CA with coverage that meets their needs. 

Renter’s Insurance 

Renter’s insurance is essential for protecting the renter if there is a covered event. These events can range from theft and natural disasters to fires. The renter’s insurance also covered contents such as some personal items of value, major appliances, and other things. If you have roommates, however, they need their own policy.

If you purchase a policy, the insurance only covers the individual named on the policy. You may be able to add a roommate to your policy, however. To find out more about ways to get a renter’s insurance protection, reach out to one of our expert insurance agents. 

We can work closely with each customer to determine what coverage fits their needs and offers the most protection. We can also assist them with any changes or submission of claims for a covered event. 

Call Us Today

Anyone interested in finding out more about renter’s insurance or needing a reliable policy should call or stop by our office at T.D. McNeil Insurance Services. We are standing by to assist the residents of Folsom, CA, ensuring they get the insurance protection that provides peace of mind. 

How to prepare your motorhome for the winter

T.D. McNeil Insurance Services has been serving Folsom, CA residents with all their insurance needs, including coverage for motorhomes. If you’re new to motorhomes or have never done any prep work on a motorhome before, it’s important to start by doing some research and learning about what types of things are typically required to prepare a motorhome for the upcoming season.

This will allow you to identify anything that might be missing or require replacement before the temperatures drop too low.  

How to prepare your motorhome for the winter

Some common items that need to be checked include the RV’s battery, the tires, and all systems and equipment. Checking these items will help ensure that they’re in working order before you take your RV out on any long trips or face any potentially hazardous driving conditions.

If your RV is equipped with a generator, now is also a good time to get it serviced if needed. As you prepare for winter, be sure to keep safety in mind as well – taking steps to prevent carbon monoxide poisoning should always be one of your top priorities when parking an RV outdoors during colder months.

When preparing your motorhome for winter, it’s also important to consider what types of items you’ll need to bring with you on any trips or overnight stays during the season. Items like warm weather clothing, extra blankets, and even a portable heater can help keep you comfortable when temperatures drop.

By taking the time to properly prepare your motorhome for winter, you can ensure that it remains in top condition throughout the cold months and that you’ll be able to enjoy plenty of safe, fun trips during this season.

Get Motorhome Insurance Today

With these tips in mind, you can prepare your RV for winter today! For the best protection for your motorhome, make sure to get or update your insurance coverage. Get in touch with our insurance experts at T.D. McNeil Insurance Services. We serve the Folsom, CA area

Why Do You Need RV Insurance?

RVs are incredibly diverse vehicles because they can be used for a comfortable living experience or for an exciting traveling excursion. But no matter your purpose for purchasing an RV, you will need to obtain RV insurance. 

The need for RV insurance is quite similar to the need for auto insurance. Because the RV will be mobile at some point regardless, it must be protected in the event of a collision taking place on the road.

There are several other reasons why you need an RV insurance policy:

Obtaining RV coverage separate from your home and car insurance policies will allow for additional safeguarding that may not be available with other policies. Due to RVs being fairly expensive, it is paramount to provide protection at all times regardless.

After purchasing your RV, the insurance policy will actually allow you to save money overall, including during vacations – your policy can include additional coverage that extends to your travel plans. Due to it being a separate policy, you will be directed to agents and other staff who are educated in RVs and RV claims.

Lastly, maintaining the correct coverage in California is also required by law.

Get The Right Coverage Today

T.D. McNeil Insurance Services in Folsom, CA will assist you in receiving the correct RV insurance coverage for your situation. Our agents understand the importance of RV liability insurance and can guide you through the process to make certain that you are covered legally and financially.

T.D. McNeil Insurance Services will provide you with peace of mind so you and your investment will be secure. Our qualified insurance professionals will make sure that you are able to stay on the road safely. Call us today or stop by the office if you are in the Folsom, CA area.

How much car insurance do I need?

California requires a minimum amount of car insurance, but do you need more than the minimum? Our team of experts at T.D. McNeil Insurance Services can break down everything you need to know about car insurance in Folsom, CA so that you can make an informed decision about your coverage.

What does California require?

California law requires all drivers to carry liability insurance in the following amounts:

  • $15,000 for bodily injury or death per person
  • $30,000 for bodily injury or death per accident
  • $5,000 for property damage per accident

These are the minimums required by law, but remember that they may not be enough to cover the full cost of an accident. If you cause an accident that results in injuries or property damage exceeding your coverage limit, you could be held liable for the difference.

What factors should I consider when deciding how much coverage to get?

The value of your car: If you have a newer or more expensive car, you’ll want to ensure you have enough coverage to replace it if it’s totaled in an accident.

Your personal assets: If you have significant savings or other assets, you’ll want to make sure they’re protected if you’re sued for damages after an accident.

Your deductibles: Your deductible is the amount you’ll have to pay out-of-pocket before your insurance kicks in.

Contact Us Today

The amount of insurance you need in Folsom, CA depends on factors like the value of your car and your personal assets. However, you always need at least the minimum required by California law. Ultimately, your goal should be to get the best protection possible without breaking the bank. T.D. McNeil Insurance Services is here to help you find the right policy for your needs.

Tips for Safe Boating

Getting out on the water is a fulfilling and relaxing activity for many people. While you are out having fun, it is important to also stay safe, no matter what type of boat you are using. Consult with T.D. McNeil Insurance Services in Folsom, CA for insurance for your vessel and related advice. 

Here are some tips for safe boating:

Swimming skills

Know how to swim, and make sure everyone aboard the boat also knows how to swim. Better yet, take a class that teaches about water safety, first aid and how to help someone who is in trouble in the water. Also know about swimming in rough conditions, such as rip currents, if you will be boating near or in the ocean.

Life preservers

Have enough life preservers for everyone who will be riding in your boat. Make sure everyone wears a life preserver and knows how to use it safely and correctly. If you have a large enough boat, you should also have other safety equipment on board, such as a safety raft.

Enough supplies

Make sure you have enough supplies in and on your boat, including plenty of fuel. Have plenty of food, water, batteries, extra clothing and shoes, sunscreen, insect repellant, rope, rain gear, communication devices, and ways to call for help if needed.

Safe operating

Know and follow boating laws. Learn how to operate your boat for optimal safety. That includes safe speed, safe maneuvering, courtesy toward other boaters, and more. If needed, take a class that will inform you about the proper and safe operation of your boat. Also know about carbon monoxide, how to detect it and what to do if you do detect it. If a storm is approaching, immediately go back to the shore or marina. Never operate a boat while under the influence of alcohol or drugs.

To get more details about boating safety and insurance, contact T.D. McNeil Insurance Services serving the Folsom, CA area.

What is the benefit of having an umbrella insurance in California?

Liability risk is something that should be taken seriously by all people in the Folsom, CA area. If you are living in this part of California, a good way to help reduce your personal liability risks is by investing in an umbrella insurance plan.

There are various benefits that come with having umbrella insurance when you live in this area:

Cover Against Significant Claims

The majority of potential liability risks that people face would be covered by a home or auto plan. While you will have liability coverage under these policies, there is a limit to how much coverage is received during a policy term. If you are liable for damages that exceed these policies, your umbrella policy will be helpful as it will give additional coverage on top of your other insurance. 

Prepare for the Unexpected

Many people will find that having an umbrella insurance plan is also a good idea as it will help you to prepare for the unexpected. There are always risks that people face that are difficult to predict and prepare for. A great way to ensure that you are prepared for these risks is by getting an umbrella insurance plan. This coverage offers a broad level of personal liability coverage that can prove to be helpful. 

Give Us A Call

For those that are living in the Folsom, CA area, having a way to offset personal liability risks is quite important and getting umbrella coverage is a great way to do it. When you are shopping for a new plan, the team with T.D. McNeil Insurance Services can help. T.D. McNeil Insurance Services gives guidance when selecting between different plans and can help you choose a policy that will provide adequate coverage and offer peace of mind. 

5 Things to Know About Buying Flood Insurance for Your Home

As recent events have demonstrated, flooding can happen anywhere – even in areas that have not historically been considered at risk. And while no one likes to think about the possibility of their home being inundated with water, the truth is that it’s always better to be safe than sorry. That’s why, if you live in an area that is prone to flooding, it’s important to have flood insurance. T.D. McNeil Insurance Services in Folsom, CA can help you navigate this important coverage.

Here are five things you need to know about buying flood insurance for your home:

1. Your Homeowners Insurance Probably Doesn’t Cover Flooding

While most homeowners insurance policies cover water damage from things like burst pipes, they typically do not cover damage caused by flooding. So, if you live in an area that is susceptible to flooding, it’s important to purchase a separate flood insurance policy.

2. You May Be Required to Purchase Flood Insurance

If you have a mortgage on your home, your lender may require you to purchase flood insurance. Even if you don’t have a mortgage, though, it’s still a good idea to get flood insurance as it can help protect your home and possessions in the event of a flood.

3. Flood Insurance Is Not Always Expensive

Many people assume that flood insurance must be expensive, but that’s not always the case. The cost of your flood insurance policy will depend on various factors, including the value of your home and its contents, the amount of coverage you need, and the deductible you choose.

4. Flood Insurance May Take Time Before Going Into Effect

If you purchase a flood insurance policy, it’s important to know that it may take up to 30 days for the coverage to go into effect. So, if you’re worried about an impending storm, don’t wait until the last minute to buy flood insurance.

5. You Need to Be Proactive About Flood Protection

In addition to purchasing flood insurance, you can do several things to protect your home from flooding. These include elevation, floodproofing, and installing a sump pump.

Give Us A Call

As you can see, there are many things to keep in mind when it comes to buying flood insurance for your home. If you live in Folsom, CA, T.D. McNeil Insurance Services can help you find the right policy to protect your home and possessions. Contact us today for a no-obligation free quote.

Term Life Insurance vs. Permanent Life Insurance

There are two main types of life insurance: term life and permanent life insurance. While the former lasts for a specific amount of time, the latter lasts your entire lifetime. 

So, what’s the difference between the two, and which one is better? The answer to the second part of the question depends on many different factors, such as whether you prefer the affordability of term life or the cash value/lifelong protection that the permanent life option provides. 

T.D. McNeil Insurance Services in Folsom, CA  provides this guide in navigating the differences between term life and permanent life insurance. Knowing this information can help you make a well-informed decision for your purchase.

Term vs Permanent: What You Need To Know

  • Premium cost – Although term life insurance generally costs less than permanent life insurance in the beginning, the cost of term life premiums usually goes up upon each renewal, whereas the coast of permanent life premiums stays the same. 
  • Length of coverage – With term life insurance, you have many options when it comes to coverage length, including 1-, 20-, and 30-year terms. And term life usually offers more flexibility than permanent life. Designed for lifelong protection, permanent insurance, which includes universal life and whole life, is a little less flexible than term insurance. 
  • Cash value – Unlike term life insurance, permanent life insurance comes with a savings component that’s referred to as cash value. The longer you pay your premiums, the more the cash value increases. You can either borrow against your permanent insurance policy and use the funds as necessary or you can just cash in. Because term insurance lacks a savings component, it doesn’t see cash value growth. 
  • Ability to convert – Term insurance policies can be converted to permanent policies. However, permanent policies cannot be converted. 

If you’re interested in purchasing life insurance and protecting your loved ones from financial loss and providing them with a comfortable financial cushion, look no further than T.D. McNeil Insurance Services.

As a family-owned insurance agency, we serve the Folsom, CA area and ensure our services meet our clients’ specific needs. For a free, no-obligation consultation, give us a call at 916-983-2561, email us at, or visit our office. 

What to Do When You Have a Car Accident

No one ever wants to be in a car accident. But unfortunately, they happen. And when they do, it’s important to know what to do next. This blog post will give you a step-by-step guide on what to do if you’re ever involved in a car accident. T.D. McNeil Insurance Services in Folsom, CA offers this guide on what to do if you find yourself in an unfortunate situation. 

What to Do When You Have a Car Accident?

1. Check If Anyone Is Hurt

While not all car accidents result in injuries, some do. So, the first thing you need to do is check if anyone is hurt. Remember the injuries do not always have to be visible as some could be internal. If you or anyone else appears to be injured, call for medical help right away.

2. Call the Police

After you’ve made sure that everyone is okay, the next step is to call the police. This is important even if the accident seems minor. The police will create a report of the accident, which can be very helpful down the road.

3. Exchange Information With the Other Driver

Once the police have arrived, it’s time to exchange information with the other driver. You’ll need to get their name, address, phone number, and insurance information. It’s also a good idea to get the make, model, and license plate number of their car.

4. Take Pictures of the Accident

If you have a camera or smartphone, it’s a good idea to take pictures of the accident. This can help prove what happened if there’s ever a dispute.

5. Call Your Insurance Company

The next step is to call your insurance company to inform them about the accident. They’ll likely ask you for all of the same information that you gave to the police. Be sure to answer truthfully and give as much detail as possible. Remember, insurance companies have their own investigator who may look into the accident. If they find that you weren’t honest about what happened, it could affect your claim.

As you have seen, there are several steps you need to take after a car accident. T.D. McNeil Insurance Services can help make sure you’re prepared for anything. We can also help you find the right auto insurance for your car in Folsom, CA. Give us a call today to learn more.

Types of Commercial Insurance in Folsom, CA

Business owners need to protect their companies with the right commercial insurance policies in Folsom, CA. There are many types of coverage available, and each one serves a specific purpose. T.D. McNeil Insurance Services offers you this guide in navigating commercial insurance.

Types of Commercial Insurance

Commercial Property Insurance

This type of coverage protects your company’s property from damage or theft. It can also help cover the costs of repairing or replacing your property if it’s damaged in a covered event. You’ll need to have a detailed inventory of your company’s property so your insurance provider can assess the coverage you need. A T.D. McNeil Insurance Services agent can help you create a property insurance policy that fits your needs.

Commercial Auto Insurance

If your company uses vehicles for business, you’ll need commercial auto insurance. This type of policy covers the costs of repairing or replacing damaged cars in a covered event. It can also help protect you from lawsuits if someone is injured in a car accident while driving your vehicle.

Commercial Liability Insurance

Commercial liability insurance is a must-have for any business. This type of policy covers you if someone is hurt or your company’s activities damage their property. It can also help cover the cost of litigation if you’re sued.

Product Liability Insurance

If you sell products, you’ll need product liability insurance. This policy type offers coverage for the costs of lawsuits if the products injure a customer. Review your product liability insurance policy to make sure you’re fully protected against potential lawsuits.

Errors and Omissions Insurance

This type of policy protects your business if you make a mistake that costs your customer money. For example, if you give them the wrong advice or provide them with faulty products, this policy can help cover the costs of the resulting lawsuit.

If you’re looking for commercial insurance, contact the experts at T.D. McNeil Insurance Services in Folsom, CA.

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