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T.D. McNeil Insurance Services

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

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What Is Umbrella Insurance?

If you have both home and auto insurance policies, there are many different types of coverage included in each of these policies. One of those is coverage for liability. However, you may not have much liability coverage in these policies, and umbrella insurance can change that. If you want to find out more about umbrella insurance, give us a call today at T.D. McNeil Insurance Services in Folsom, CA.

Home and Auto Insurance

If you already have home and auto insurance, you are able to get an umbrella policy that boosts the coverage of both of them. With one umbrella policy, it adds liability coverage onto both your home and auto policies so that you are far better covered. The maximum payout of home and auto insurance for liability is often relatively low. This can leave you without enough coverage if there were to be a serious accident. Umbrella insurance, however, has a much higher payout maximum than most home and auto policies to give you extra protection.

How Umbrella Policies Work

First, there is an accident. It may happen in your vehicle, or it may happen in your home. When a third party is injured in that accident, you will be liable for the medical bills if the accident is judged to be your fault. First, either your home policy or your auto policy comes in to pay medical bills that become due. The problem is that it will only pay up to its max payout amount. When this number is relatively low, this will leave a lot of overages that will be yours to pay. When you have an umbrella policy, that policy comes in after the first has maxed out and pays what is left over. 

Get Your Umbrella Insurance

If you need umbrella insurance to be better covered, contact us now at T.D. McNeil Insurance Services in Folsom, CA.

What You Need To Know About RV Insurance

Owning an RV provides you with the ultimate opportunity to travel and have freedom for your living arrangements. To make the most of your RV ownership, you need to have the proper insurance in place. T.D. McNeil Insurance Services can help you make the best insurance choices in Folsom, CA. 

Is Auto Insurance Enough for My RV?

Many people think that auto insurance is enough to cover their RV needs. Although in most states, you can operate an RV on the road, these types of insurance policies do not provide the right kind of coverage for people who are traveling a good deal in their RV or for people who are living in an RV. 

What Does RV Insurance Cover?

Your RV policy can be customized to suit your particular needs, but in most cases, an RV policy will provide coverage in the following areas:

  • Property damage- If you are living in your RV or staying in your RV for long periods of time, you will want to have property damage insurance in place. This type of coverage will reimburse you for your personal belongings if your belongings are lost due to fire, collision, burglary, or natural disaster. 
  • Liability- If your RV is involved in an accident that causes damage to another vehicle, or that results in others being injured, you could be held liable for the expenses of the accident, or for any medical bills or legal fees. Liability coverage will pay for these expenses so that you do not pay out of pocket.  

If you would like to learn more about RV insurance or any of our other insurance products, please contact us at T.D. McNeil Insurance Services, serving Folsom, CA and the surrounding areas. We will be happy to answer your questions. 

Expand Your Bike Insurance for Riders

Bike insurance is a powerful way of protecting your motorcycle and yourself from serious crashes. But what about your riders? At T.D. McNeil Insurance Services, we can help Folsom, CA area residents get the help they need to manage this concern and keep their policy as strong as possible.

Protecting Your Passengers

Upgrading your motorcycle insurance will help protect your passengers by expanding your health coverage options. Your traditional bike policy will only cover things like liability and damage. However, adding health protection will cover those people on your bike, including yourself.

For example, if you crash and your wife or husband on the bike behind you gets hurt, this policy will help pay for their medical coverage. In this way, you don’t have to pay for it out of your pocket, and they can get through their recovery more quickly and efficiently with minimal challenges.

Types of Bike Riders

The type of rider you have on your bike typically doesn’t matter much for this type of coverage. So, for example, someone riding on the seat behind you is treated the same as those in a sidecar. Sidecars are safer, though, so consider getting one to protect your riders.

A sidecar with a seat belt and other protective gear may also help decrease your insurance by providing a safer riding atmosphere for other passengers. Talk to your insurance agent to learn more about this fact and give yourself the help you need to keep your bike safe.

Take Care of Your Bike Needs

At T.D. McNeil Insurance Services, we can provide Folsom, CA residents with the help they need to keep their bikes strong and avoid serious crash-related issues. So please don’t hesitate to contact us today to learn more about how we can help you and provide you with excellent insurance.

Boat Insurance: The Difference Between Replacement Cost and Actual Cash Value

When you own a boat in Folsom, CA, you want to ensure it’s appropriately insured. There are two main types of boat insurance policies: replacement cost and actual cash value. It is imperative that you understand the difference between the two, as the policy you choose will determine how you are compensated following a covered loss. Many people aren’t familiar with the difference between these two policies, which is why T.D. McNeil Insurance Services is taking the time to explain below.

Replacement Cost Policies

A replacement cost boat insurance policy is not going to take depreciation into account. This type of policy will simply determine the value to repair/replace your boat after damage without adjusting for depreciation. In other words, you will be reimbursed for the amount it takes to cover the damage to your vessel, regardless of whether your boat was worth less at the time of the incident.

Actual Cash Value Policies

An actual cash value boat insurance policy is going to take into account depreciation. This type of policy will determine the value to repair/replace your boat and then reduce that determined amount by the depreciated value as determined by the vessel’s age. Therefore, in the event of a total loss, you will only receive what your boat was worth at the time of the incident and nothing more.

Limits and Deductibles

Regardless of the type of policy you have, you are likely to be subject to a deductible. In addition, there are still policy limits that cannot be exceeded.

If you need help understanding your current policy or are in the market for boat insurance, reach out to our team at T.D. McNeil Insurance Services. Serving the Folsom, CA area, we are happy to help you understand both types of boat insurance coverage and help you determine which one is best suited for your situation.

Benefits of Investing in Umbrella Insurance Coverage

Umbrella insurance is an additional form of liability insurance that can be added to your existing policy. This type of insurance offers additional protection on top of your current auto or home insurance, further protecting you and your assets. If you are found at fault for an accident in Folsom, CA, you want to be confident that you are fully protected, and umbrella insurance can help with that. Here are a few benefits of investing in umbrella insurance coverage from T.D. McNeil Insurance Services.

Protects Your Savings

In the event that you are held responsible for any kind of serious accident, your personal liability could be considerable. This could put your financial resources and personal assets in jeopardy. Your standard insurance policy may not be enough to cover the losses, causing you to have to pay out of your own pocket. This could potentially drain your savings. An umbrella insurance policy essentially acts as a gap between the amount your regular insurance policy pays and what you must pay out of pocket.

Offers Legal Counsel

If another individual decides to sue you after being injured in an accident or for any other reason, umbrella insurance will generally cover the costs of providing you with legal counsel. Regardless of whether you win or lose the lawsuit, the legal expenses tend to still be covered with this type of insurance coverage.   

Protects Against Excluded Accidents

There are some accidents that are excluded from your home and auto insurance policies, which leaves you vulnerable to liability lawsuits in the event of an accident. An umbrella insurance policy can offer a wider range of protection since it offers protection for many situations that are not included in other standard insurance policies.

If you are interested in learning more about umbrella insurance, reach out to us today. Serving the residents of Folsom, CA, T.D. McNeil Insurance Services, we would be happy to sit down with you and discuss how umbrella insurance can help increase your level of protection.

What does flood insurance cover?

You may think of flood insurance is only necessary for those living in regions where hurricanes are the norm. Flood insurance, however, is a necessary indemnity plan for those living in Folsom, CA as well. The agents at T.D. McNeil Insurance Services can help you understand the importance of flood insurance and what the best policies cover. 

Why is flood insurance necessary in California?

Sunny skies and seemingly perfect weather are not the only things for which California is famous. The Golden State also experiences flooding now and then that damages homes. 

A standard home insurance plan does not pay for damages to your home’s structure and personal belongings when flooding is the central factor. This means you are responsible for the financial costs to repair or replace such items and portions of your home. 

A flood insurance plan may be the solution when floods overtake Folsom CA and surrounding areas. The best policies offer full financial relief when disasters happen. 

What does flood insurance cover?

A flood is generally defined as excess water in a space not typically accustomed to having such an influx of liquid. By such a broad definition, flood insurance is not meant solely for natural disasters. 

Flooding is a factor when a pipe bursts in your home and causes damage to your kitchen. It would not be a bad idea to contact an insurance agent during this time to see if your flood insurance plan can be of assistance in helping you get your life back to normal. 

T.D. McNeil can help!

The agents at T.D. McNeil Insurance Services can help you fully understand the benefits of having flood insurance in Folsom, CA. Call them today to request more information or a quote for coverage!

Choosing a Life Insurance Beneficiary

The experts at T.D. McNeil Insurance Services work to help make the life insurance shopping process simple for their clients. They are there to help Folsom, CA residents select their policy and name a beneficiary. Naming a beneficiary is often the most challenging part of purchasing a life insurance policy many people encounter. Designating a beneficiary requires careful thought and consideration to select the best person to receive your benefits. 

Here are some tips to help you choose a beneficiary for your life insurance policy:

Married without Children

Selecting your spouse as your beneficiary is probably your first choice. Doing so ensures your spouse does not suffer a financial setback in the event of your passing. Having a contingent beneficiary, such as a parent, sibling, or even a charity, might be a good idea if you and your spouse pass away.

Married with Children

Again, selecting your spouse as your beneficiary is the most common choice married couples with children make. However, you may also want to consider naming contingent beneficiaries, such as the designated guardians for your children, if both you and your spouse pass. 

Single without Children

When selecting a beneficiary as a single person, you must consider who would suffer financial hardship when you pass. For example, consider anyone who may have co-signed a loan or mortgage for you. 

Single Parent

Single parents need to select a beneficiary that is also the child’s legal custodian, who is often their other parent, in the event of your passing. If you do not want the funds to go to your child’s legal custodian, you can have the money go into a trust and name the trust as the beneficiary. If your child’s other parent is not alive, you can select the child’s designated guardian as the beneficiary. 

Selecting a beneficiary can be a difficult decision, which is why T.D. McNeil Insurance Services is available to help Folsom, CA residents to get their questions answered. 

What Do I Do After An Accident?

If you get into an accident in Folsom, CA, you’ll want to know what you should do starting immediately after the collision. The professionals at T.D. McNeil Insurance Services are here to help.

Getting into an auto accident is scary and stressful. The most important thing to do is to stay calm. It’s vital that you keep your wits about you and not lose your temper or become overly emotional.

Post-Accident Safety:

Asses if you or anyone with you is injured. If you have small children, pets, disabled or elderly people with you, make sure you keep them safe. 

If the vehicles are operational, move to a safe location out of the flow of traffic, either to the side of the road or a nearby well-lit area, where you are visible and easily located by emergency personnel.

Call emergency services to attend to anyone that is injured and to report the accident to the police and get a formal motor vehicle accident report filled out.

Information Gathering:

If you are going to speak to the other party before the police arrive, make sure you are both calm and non-combative. If there are any witnesses present, ask them if they’d be willing to wait for law enforcement to arrive to give their account of what they saw.

Exchange this information with the other party:

  • Name, phone number and address
  • Insurance company and policy number
  • Driver’s License and license plate number
  • Make and model of the vehicles
  • Location of the accident

Next Steps:

While you’re waiting for the emergency personnel to arrive, take photos of any damage that your vehicle has sustained during the collision. 

Finally, call your team at T.D. McNeil Insurance Services serving Folsom, CA so they can help you initiate your claim!

What commercial insurance is required in California

California is a beautiful state and many businesses have chosen to call it home. Like all states, some types of commercial insurance are required by most businesses. Having an independent insurance agent who helps you to make sure your business is in compliance is important for keeping your business free from fines and legal issues. At T.D. McNeil Insurance Services in Folsom, CA we focus on our customers. We believe in providing personal service. Our customer’s needs come first, and we will make sure you have the coverage that is mandated and what you actually need. 

In California, two types of business insurance are required commercial auto insurance and workers’ compensation.

Commercial auto insurance

If your business owns any vehicles you need to cover them with commercial auto insurance. In California, the required liability coverage is 15/30/5. You must have $15,000 for one person who gets hurt in an accident with a total per accident of $30,000. The property damage amount is $5,000 which is painfully low. 

Workers’ Compensation

California requires employers to cover their workers with workers’ compensation insurance. Even if your business only has one employee and even if your main office is not in the state, if you have people working in California, they must be covered. 

It is good to be in compliance with the law and have the required coverages, but there are other types of commercial insurance that most businesses should have to be protected. 

  • Commercial building insurance protects a lot more than just the building your business occupies. It is something that even a renter should have. It protects your machinery, inventory, raw materials, records, and office equipment.
  • Commercial liability insurance protects your assets from legal actions. Businesses are particularly vulnerable to being sued, and you really need this protection.   

If you have commercial insurance questions or needs, contact T.D. McNeil Insurance Service in Folsom, CA.

Landscaping and Gardens in California: When it Needs its Own Insurance

It doesn’t matter where you go in California. Residents are taking excellent care of their landscaping. There is something special about the gardens here. Homeowners pride themselves on being able to up the ante on their curb appeal or backyard oasis. It would be devastating if something happened to it, whether through theft, accident, or natural disaster. Do you know how much of your gardens are covered by your home insurance? 

T.D. McNeil Insurance Services has been serving Folsom, CA for years. We do know when your home insurance covers your beautiful landscaping and when it needs its own.

What is Covered by Your Homeowner’s Policy

Your homeowner’s policy will cover some of your gardens and landscaping. This is your standard garden work, which your policy will specify. Generally speaking, this includes shrubs, bushes, trees, and some flower beds.

What you can not claim for is something that would happen naturally in any garden. If you experience damage due to insects, for example, you can’t file a claim for that.

What Isn’t Covered by Home Insurance

When you have something special in your garden that is rare, has a high value, or is very old, then you need a separate insurance policy or a rider on your home insurance. This may not necessarily be a plant or live botanical. It could be an irrigation system, security, or something that might be considered a live asset or protecting one.

If you’ve had a 100-year-old tree transplanted into your landscape design, you should get separate insurance or policy for that. You may also have something like an asset such as foliage or plants that you inherited that have a value greater than what your homeowner’s insurance would cover.

Get a Quote

If you aren’t sure what your home insurance will cover with your gardens, give us a call. T.D. McNeil Insurance Services serving Folsom, CA has been protecting the landscapes of California for years.

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