T.D. McNeil Insurance Services in Folsom, CA has the experience necessary to handle all your commercial needs. Being prepared for the unexpected is the best way to make sure your life stays on track no matter what. With the right insurance policies from T.D. McNeil Insurance Services in Folsom, CA, you can rest easy knowing you're always prepared.
We have outstanding insurance programs available and, in most cases, we will save you money. In all cases, we will treat you with respect, and we will put your interests first. Depending on your situation and the type of coverage you're looking for, you may actually be required to have insurance. For example, every driver in the state of California is required to have liability insurance at the very least.
Homeowners across the country are generally required to have homeowner's insurance until they have paid a certain percentage of their mortgage off. Meeting these requirements is one of the most important aspects of having good coverage. We will do our best to give you an honest evaluation of your current insurance program.
We have outstanding insurance programs available and, in most cases, we will save you money. In all cases, we will treat you with respect, and we will put your interests first. Depending on your situation and the type of coverage you're looking for, you may actually be required to have insurance. For example, every driver in the state of California is required to have liability insurance at the very least.
Homeowners across the country are generally required to have homeowner's insurance until they have paid a certain percentage of their mortgage off. Meeting these requirements is one of the most important aspects of having good coverage. We will do our best to give you an honest evaluation of your current insurance program.
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In most states, automobile insurance is required, including California.
But the amount of coverage provided can vary significantly, even with the same insurance carrier.
Some carriers refer to "full coverage" if the policy includes collision and comprehensive insurance.
But full coverage means more than covering damage to your vehicle.
Automobile insurance is extremely important to protect you and your family.
For example, Uninsured/Underinsured Motorist (UM/UIM) coverage provides vital coverage protecting you and your family even when riding in another vehicle, as a pedestrian or while riding a bicycle.
But the amount of coverage provided can vary significantly, even with the same insurance carrier.
Some carriers refer to "full coverage" if the policy includes collision and comprehensive insurance.
But full coverage means more than covering damage to your vehicle.
Automobile insurance is extremely important to protect you and your family.
For example, Uninsured/Underinsured Motorist (UM/UIM) coverage provides vital coverage protecting you and your family even when riding in another vehicle, as a pedestrian or while riding a bicycle.
For many California residents, your home is your most important asset.
The coverage provided by a homeowners' insurance policy, HO-3, HO-5, can vary significantly between carriers.
Are you sure you have the right coverage to protect your home?
Available coverages include Replacement cost coverage on your home, Additional structures, Extended replacement cost, Replacement cost coverage on contents, Loss of Use, Personal liability, Medical Payments, Building Ordinance, Loss assessment, Water damage, Service Line coverage, Business pursuits, Home base business, and many more.
The coverage provided by a homeowners' insurance policy, HO-3, HO-5, can vary significantly between carriers.
Are you sure you have the right coverage to protect your home?
Available coverages include Replacement cost coverage on your home, Additional structures, Extended replacement cost, Replacement cost coverage on contents, Loss of Use, Personal liability, Medical Payments, Building Ordinance, Loss assessment, Water damage, Service Line coverage, Business pursuits, Home base business, and many more.
T.D. McNeil Insurance Services in Folsom, CA has the experience necessary to handle all your commercial needs, whether you are a small business owner just starting up or a major corporation with significant operations.
Our founder was the Risk Manager for a major corporation with over 100,000 employees.
We have the insurance markets and experience to help you develop the best program to meet your specific needs in California and beyond.
Our founder was the Risk Manager for a major corporation with over 100,000 employees.
We have the insurance markets and experience to help you develop the best program to meet your specific needs in California and beyond.
It is important to obtain the right insurance if you own a boat.
While the homeowners' policy may provide some limited liability coverage, for small boats, this may not include important coverage that you need.
One obvious question is insuring the boat itself against physical damage.
It is important to understand the difference between an "agreed value" policy and an "actual cash value" policy.
In addition to bodily injury and property damage liability, coverage is available for "medical payments", "personal effects", "uninsured boaters liability", "towing and assistance", fishing equipment.
While the homeowners' policy may provide some limited liability coverage, for small boats, this may not include important coverage that you need.
One obvious question is insuring the boat itself against physical damage.
It is important to understand the difference between an "agreed value" policy and an "actual cash value" policy.
In addition to bodily injury and property damage liability, coverage is available for "medical payments", "personal effects", "uninsured boaters liability", "towing and assistance", fishing equipment.
California is the perfect state to cruise with your hot rod, exotic, custom, or muscle car, but these classic cars are special and need special coverage.
The good news is that several of our carriers specialize in providing you the coverage you need at a very competitive price.
In many cases, the cost of classic car insurance is less than the cost of a typical automobile policy, with much better coverage.
At T.D. McNeil Insurance Services in Folsom, CA, we know your classic car is special to you, and we will help you obtain outstanding coverage at a very competitive cost, including Bodily injury liability, Property Damage Liability, Comprehensive, Collision, Towing, Roadside, Agreed amount, Stated value insurance and more.
The good news is that several of our carriers specialize in providing you the coverage you need at a very competitive price.
In many cases, the cost of classic car insurance is less than the cost of a typical automobile policy, with much better coverage.
At T.D. McNeil Insurance Services in Folsom, CA, we know your classic car is special to you, and we will help you obtain outstanding coverage at a very competitive cost, including Bodily injury liability, Property Damage Liability, Comprehensive, Collision, Towing, Roadside, Agreed amount, Stated value insurance and more.
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