While an auto policy can have basic, known benefits, there are certain optional coverages you should consider. To be clear, the obvious coverages are liability, comprehensive, and collision. Of the many optional coverages available, you should highly consider having medical payments, uninsured & underinsured, full glass coverage, rental reimbursement, and roadside assistance. 1. Medical Payments Medical […]
August 4, 2016
You just purchased a car from the dealership and the salesperson is telling you that you need to add the car to your insurance or they won’t let you drive it off the lot. While this may be a good policy for the dealership to have, it’s not always entirely necessary. When you need to […]
July 21, 2016
It’s that time of year when kids are preparing for college. They’re getting their textbooks and schedules straightened out, but have you thought about how their leaving may affect your insurance? We’ll look into how your coverage may extend to them at school, and also possible discounts you could be receiving. Whether your child is a […]
July 7, 2016
Heading to Puerto Peñasco, Mexico, or Rocky Point as it is known to us Arizonans, can be a fun weekend getaway. It’s easy to drive across the border and be at the beach in no time. If you’ve ever driven your car into Mexico, hopefully you have asked yourself if your vehicle has coverage. On […]
June 29, 2016
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
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
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
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
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
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