Category: Insurance Questions

  • All About GAP Coverage

    GAP coverage is an additional coverage that you can add to your auto policy. A lot of people don’t know about it, but it should be noted that this coverage isn’t for everyone. We didn’t include it in our previous blog post about the optional coverages you must have because not everyone needs it. We’ll discuss […]

    August 11, 2016

  • 5 Must-Have Optional Auto Insurance Coverages

    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

  • My kid is headed off to college, do I need to do anything to my insurance policies?

    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

  • 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