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300 S. Park Ave, Ste. 903
Pomona, CA 91766

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California Insurance Blog

Active Lifestyles Benefit From Having Recreational Insurance

Recreational insurance is for those with physically active lifestyles who enjoy the outdoors. This type of insurance offers protection for using all-terrain vehicles (ATVs), and “extreme” sports, such as rock-climbing, bungee-jumping, sky-diving, scuba-diving, skiing, snowboarding, surfing, wind-surfing, and more.

This special insurance covers accidents while participating in those sports, which are normally excluded activities in other insurance policies. It is important to check with your agent at THINK Insurance & Financial Services, serving Pomona, CA and the surrounding areas, to be sure you have adequate coverage if you participate in certain recreational activities.

Your agent can help you understand the details of what extra coverage you need and explain the exclusions that exist in your current insurance policies regarding certain physical activities that are considered more dangerous than normal routine lifestyles.

Even senior citizens need to consider this because as the aging of more and more American baby-boomers shows; many older adults are remaining very active in their later years. They might try sky-diving for the first time when they are in their seventies! There is no reason not to live life to the fullest and enjoy all the fun things that can be tried at any age. It is just important to make sure insurance coverage is adequate for any unexpected catastrophes that might occur.

When participating in extreme sports, typically the company offering the experience asks customers to sign a waiver agreement that removes their liability if something goes wrong. For example, you may not have any coverage at all from that company and have waived your rights to sue a company offering bungee- jumping, if the cord breaks. This is the kind of thing that may be covered by recreational insurance. This type of insurance is usually available on a permanent basis or for trips of a shorter duration when participating in these activities, such as when visiting an eco-adventure park. It can be general coverage or related just to some specific activities.

Contact your agent at THINK Insurance & Financial Services serving Pomona, CA to discuss all the details about recreational insurance before participating in any risky activities.

Is it Mandatory To Purchase Renters Insurance in Pomona, CA?

Just like with home insurance, there is no legal obligation for a tenant to have renter’s insurance in Pomona, CA. On the other hand, a lease may include the requirement for the tenant to have liability coverage as a part of the private contract. It still may be a good idea if the tenant has a lot of precious personal items inside of the property. If you would like to protect your personal belongings with renters insurance, consider consulting with THINK Insurance & Financial Services for a great deal.

Renter’s insurance is always a good idea to cover your personal belongings in the event of a disaster. Things covered may be your furniture, electronics, cabinets and other fixtures. What is even more important is having it to cover your liability if someone is injured on your rental property. Keep in mind, renter’s insurance is typically cheaper than home insurance and there may be bundled discounts if you have auto or insurance.

There are some limitation of renter’s insurance. For example, jewelry or collectibles may have a capped coverage limit that is not very high. Some clients are not approved for renter’s insurance if they are pet owners, and those that are approved are usually owners of low-risk breeds.

The minority of renters, although still a significant amount, choose to have renter’s insurance. Considering it is usually at a low cost, it is likely worth it if you have expensive furniture, electronics, and other personal items within the home. If you are looking for an affordable insurance plan in the Pomona, CA area, consider contacting THINK Insurance & Financial Services for a quote.

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