Our Blog

  • I’ve decided to start renting out my house. Do I need to change anything on my insurance?

    Renting out your home or any property that you own, requires different coverage than general homeowners insurance. One may think the home is covered despite who is living in it, but most insurance contracts have stipulations regarding this issue. There are also coverages that vary between the two policies, and insurance companies also like to […]

    April 28, 2016

  • Auto Insurance State Minimum Limits – Arziona: Why do I need anything higher?

    In the state of Arizona, the law states that the minimum insurance requirements for bodily injury liability are $15,000 per person and $30,000 per accident, and 10,000 for property damage. In short this is written and spoken as 15/30/10. This coverage will provide bodily injury and property damage in the event of an accident that […]

    January 15, 2016

  • Scheduled Personal Property

    As we get closer to Christmas, it’s important to think about insuring some of those gifts! Property insurance policies, like your home or renters policy, include coverage for your personal property. This coverage will help you replace your items in the event of a covered claim. Basic household items like furniture, clothing, computers, and jewelry are generally […]

    December 16, 2015

  • Why do I still have home insurance? I sold my home months ago.

    An often misconception is that when a home is sold, the mortgage company will cancel the insurance. While the mortgage company was most likely the one billed for your homeowners policy, they are not in control of cancelling the policy. As the insured, it is ultimately your responsibility to cancel your own insurance. In the […]

    November 4, 2015

  • Should I change my coverage to liability only? I paid off my car.

    Are comprehensive and collision required? Lenders typically require you to carry full coverage, which includes both comprehensive and collision coverage. Once you have made the final payment, you are no longer obligated by the lender to keep full coverage. There is also no law in the state of Arizona which declares that you must have […]

    October 28, 2015

  • Do I need uninsured and underinsured coverage? I have good health insurance.

    What is uninsured and underinsured motorist coverage? While uninsured and underinsured coverage is optional in Arizona, it is important to understand this section of auto insurance before removing it from your policy. Uninsured motorist coverage will generally cover you in the event of a hit and run or if you are involved in an accident […]

    October 21, 2015

  • Blogging About Insurance

    Hi all! My name is Lindsey and I am an insurance agent at Pinnacle Insurance Agency in Scottsdale, Arizona. Pinnacle Insurance has been in business since 2000 and I have been working here since 2010. We tend to get a lot of the same questions and decided that a blog may be the best way to address […]

    October 14, 2015