What Does Home Insurance Cover in a Severe Storm?

Severe storms can cause an extreme and even devastating level of damage to houses and other property, as people in regions affected by those storms know all too well. Here are some details about home insurance coverage for severe storm damage. These guidelines are brought to you by Insurance Center of Green Valley serving Green Valley, AZ.

Heavy rains can bring flooding and other problems, and oftentimes that flooding can cause some serious damage to homes. A separate flood insurance policy might be necessary, but in certain circumstances, home insurance may cover damage from rain.

Powerful winds from severe storms can do a tremendous amount of damage. They can blow trees down, which can fall into homes and other structures. They can also blow shingles off roofs and do a variety of other damage. Home insurance can cover many types of damage caused by wind, depending on the specific details of a particular policy.

Many factors can affect what home insurance coverage you need that helps with recovery from severe storm damage. Those factors include your location, such as if you are at or near an area that is prone to severe storms. Keep in mind that any area can experience severe storms at one time or the other. There are various levels of coverage with insurance policies, and each policy has certain limitations.

But if it looks like you will need home insurance coverage for severe storms, make sure you have that in place well before any storm hits. Also look into flood insurance, especially if you are in an area that is prone to flooding. If you need assistance with your home insurance questions, feel free to contact us at Insurance Center of Green Valley serving Green Valley, AZ.

Do I Need Commercial Auto Insurance?

When you run your own business there are a number of expenses you need to consider. One such expense is insurance coverage. Commercial insurance coverages come in a number of forms, each of each is designed to protect your business in varying ways. However, one form of insurance coverage you need to consider is commercial auto insurance. Whether you work in Green Valley, AZ or the surrounding area, Insurance Center of Green Valley is on hand to help you determine whether or not you need commercial auto insurance. 

Do You Use Drive For Work?

This doesn’t include driving to your job and driving home. However, if you drive while on the clock you’ll need commercial auto insurance. This means if you’re driving between clients or even making deliveries (even pizza deliveries) you need commercial auto insurance. If you are not protected and are involved in an accident the other individual in the accident can come after the company. 

Driving Professionally?

Do you drive professional? If you drive for a ride-sharing service, such as Lyft or Uber, you need commercial auto insurance. Your regular auto insurance will not cover you with this. As you are on the clock being paid for the ride you are in a commercial act. Due to this, you need to invest in commercial auto insurance to protect you and your vehicle in the event of an accident. 

Commercial auto insurance will protect you, your business, and your vehicle in the event of an auto accident. Even if the accident is not your fault you may find regular auto insurance will not cover you. To know for sure if you need commercial auto insurance now is the time to contact Insurance Center of Green Valley for all your Green Valley, AZ commercial insurance needs. 

Three steps to a successful management of auto risks

Effective risk management begins with identifying and addressing basic hazards before the occurrence of any incidences. Without a proper understanding of the hazards and risks which your employees are likely to face with the nature of their tasks, it may not be possible to ensure their safety.  Below are three main steps that an organization may use in the management of auto risks.

1. Risk identification and assessment.

This is the process of examining and evaluating the basic auto risks for purposes of identifying any hazards which are inherent in the tasks of employees. While evaluating auto risks, two main factors should be considered: The severity of the impact on any injury as a result of the risk, and the probability that the damage is likely to occur.

This will call for the need for supplemental excess liability auto insurance to help cushion the organization in case the level of severity and probability of occurrence is high.

2. Risk control

After examining and evaluating the risks, action should be taken for all assessed risks. You can have your employees have a definite route, establish an accident reporting policy, reviewing the driving policies of the organization by ensuring the vehicles are roadworthy and safe and come up with the standard code of conduct for all drivers.

3. Review and Monitoring

Whichever method you choose to control the risks, it is important to monitor and carry out a review of the process to determine its sustainability.

Additional coverage will always be needed if the potential auto exposure risks likely threatening your business and employees. You should, therefore, consider purchasing liability insurance in addition to the self-insurance which will provide sufficient coverage in case of an accident with liability exposure.

At Green Valley, AZ, Insurance Center of Green Valley, we understand the complexities in protecting all aspects of your business. Our experienced professionals in auto risk management will be glad to provide you with any assistance in securing commercial auto insurance. Call us or visit us today for more information.

Does Home Insurance Include Coverage For A Detached Garage?

When you’re shopping for a home insurance policy in Green Valley, AZ, it’s important to look at what is covered. A typical homeowner’s policy will cover you for property damage, personal liability, medical payments, and even additional living expenses. Since a detached garage is property damage, this is the area you will want to pay close attention to in the paperwork.

Property Damage Coverage

It’s important to identify what “property damage” is covered by your policy. In some instances, the coverage is only for the main structure of your home, which would exclude a detached garage. In other instances, any structure on the property would be covered. Even if your policy doesn’t initially cover a detached garage, there are riders that can be added so that you have the necessary coverage in place. Agents at Insurance Center of Green Valley can ensure that all aspects of your property are encompassed within a home insurance policy.

New Additions

If you bought a home insurance policy and then added a detached garage later on, you might not have the coverage. This is why it’s a good idea to review your policy every year. It gives you a chance to make updates based on any improvements that you have made across your property, including adding a detached garage. This way, if you do have to file a claim that includes damage to the detached garage, you will have the coverage in place.

At Insurance Center of Green Valley, agents have been helping residents throughout Green Valley, AZ four years. They understand the importance of ensuring that coverage includes everything on your property so that there are no issues when you go to file a claim. Plus, having a thorough policy will provide you with plenty of peace of mind throughout the year.

 

 

 

The Best Time of Year to Buy Car Insurance

Are you thinking about buying auto insurance? If so, the Insurance Center of Green Valley serving the Green Valley, AZ area is here to meet all of your auto insurance needs. And if you’re wondering when the best time to invest in a policy is, make sure to check out our helpful information below. 

The Time to Buy Auto Insurance is now!

The saying, "there is no time like the present” holds very true when considering the best time to buy auto insurance. If you want to drive legally, then it’s best to buy insurance right now. The sooner you purchase auto insurance, the sooner you begin to build a history for yourself that shows good faith as an auto insurance carrier. As your history grows, along with a good driving record, you will, generally, begin to pay less for auto insurance coverage.  

It may be a good time to buy auto insurance if you have maintained an insurance policy with a carrier for a good amount of time and they are not willing or able to provide you with lower premiums or additional discounts. Most insurance companies send you a renewal notice and this is a good time to start considering your options. When considering a switch, it is a good idea to view your renewal paperwork and understand your coverage and pricing. This allows an accurate comparison and you will know if you are getting the same coverage with a different carrier and it can help you decide if you are getting a better deal. In addition, switching at your renewal time gives you a clean break from your current insurance company without any type of lapse in coverage taking place; this is essential in being able to keep your rates low.

Contact the Insurance Center of Green Valley serving Green Valley, AZ to learn more about buying car insurance. 

Is Commercial Insurance Worth the Investment?

Small business owners agree starting a company takes a lot of effort and time. It also requires patience and a lot of common sense. If you’re considering starting your own company, or perhaps you already own one, and you haven’t looked into the benefits of commercial insurance, it is vital that you do. Here at the Insurance Center of Green Valley serving Green Valley, AZ, we understand how important it is to protect a small business, and we want to share three reasons commercial insurance is worth the investment. 

Protect Your Contracts

If you operate a business where you go into contracts with your clients, it is imperative these contracts be protected. What many small business owners fail to realize, though, is there are a handful of contracts that won’t hold up in the court of law. And because lawsuits are sometimes unavoidable, you need to have commercial insurance to serve as a form of protection when a contract isn’t viewed as legal in the eyes of the court.

Don’t Let Your Employees Down

If you have employees working for you, your responsibilities become much more substantial. Fortunately, commercial insurance can serve as a viable way to provide you with financial protection in the event you are unable to make payments for labor and wages. The specifics of commercial insurance will vary from one policy to the next, making it vital to discuss your exact needs with a qualified insurance agent. 

Commercial Auto Insurance

If you have workers who use a vehicle to perform work-related tasks, it is essential that you provide commercial auto coverage. If possible, you should consider investing in fleet vehicles and adding commercial insurance to them. Commercial auto insurance can be the difference between keeping your doors open and having to close up shop if one of your workers is injured in an auto accident while performing work-related duties.

To learn more about the advantages of commercial insurance and why it’s worth the investment, contact the Insurance Center of Green Valley serving Green Valley, AZ.,

Home Insurance Is Critical To Help Fires

Living in Green Valley, AZ is usually a comfortable and relaxing life. However, fires may occur in this hot area, particularly if your home is getting old. When a fire does impact your life, you are going to wish that you had detailed fire coverage added to your homeowner’s policy. Contact us at Insurance Center of Green Valley if you want this type of coverage or read on to learn more about why it is so critical to your home.

Most Home Insurance Policies Protect Against Fire

Thankfully, homeowners insurance is designed to help protect your home from a variety of problems. One of these is fire. A typical policy will cover your dwellings, including the home and its attached structure. This also includes relocation costs while you are waiting to move into a new home, such as hotel and restaurant bills. Detached structures and certain types of belongings are also covered. However, this type of coverage won’t be available if you haven’t paid for it on your policy.

Specialized Coverage Improves Your Policy

While your homeowner’s insurance can help you cover a lot of elements, it isn’t perfect. Specialized fire insurance can help you cover items, such as home furnishings, electronic items, air conditioners, and family heirlooms. These aspects of your home are critical to ensuring because many of them cannot be replaced. And without specialized fire insurance on your homeowner’s policy, you might not be able to get compensation for them. That doesn’t mean your homeowner’s insurance isn’t worthwhile but that it might need some supplemental coverage.

Do You Need Fire Insurance?

While most people in Green Valley, AZ won’t need fire insurance, it can help against total destruction and provide you with extra help to recover. If you want a policy, please don’t hesitate to contact us at the Insurance Center of Green Valley to learn more. We will help you settle in and get the insurance you need to avoid serious loss.

I Unknowingly Let Someone With a Suspended License Drive My Car. Will My Auto Insurance Pay For a Car Accident They Had?

At Insurance Center of Green Valley, serving the greater Green Valley AZ area, we are asked a wide array of questions. One of the questions that we have recently been asked is whether your auto insurance policy will pay for an accident if you unknowingly let someone with a suspended license drive your car. 

First and foremost, it is important to understand that you can be held liable for anyone that you let drive your car. As such, you need to be positive that the person is licensed and a safe, responsible driver. However, you have no way of knowing that a license is suspended unless the driver tells you, so you may not know until an accident occurs that their license was no good. 

In most cases, your insurance policy will pay for the accident, even if the other driver was not licensed. However, there are two scenarios in which they won’t. 

If Your Policy Has an Unlicensed Driver Exclusion

Some auto insurance policies have an unlicensed driver exclusion specifically in them. This exclusion states that any unlicensed drivers, including those with suspended licenses, will not be covered. More and more insurance companies are listing this inclusion in their policies to decrease their liability, so always carefully read through your policy to see if it is there. 

If Your Policy Lists Precluded Drivers

Some auto insurance policies list precluded drivers. If your policy has the driver who was driving your car listed as a precluded driver, or your policy only includes specific drivers, the damage was done by precluded drivers will not be covered. 

Are you in need of a new auto insurance policy in the greater Green Valley, AZ area? If so, the Insurance Center of Green Valley is here for you. Call us today and let us find you the auto insurance policy that is best for you. 

Tips for Making Your Business Safe for Employees

In as much as we abhor disasters and mishaps in the workplace, they still happen. Creating a safe work environment is critical for the success of any business. Here’s is how Green Valley, AZ businesses can help create a safe working environment for their employees:-

Train your employees
Ensure that your employees are trained on the various safety precautions they should observe and the importance of each. Get expert trainers every once in a while to sensitize on the areas that need fine-tuning. Safety in the workplace should be everyone’s business.

Develop a plan
Have a plan in place should a disaster or crisis happen. Have it written out and included in the business’ policies and procedures. Every member of staff should also have a copy. Perform a drill every six months so that each person knows what is expected of them in case of a crisis.

Acquire the necessary safety gear
Each employee should put on their safety gear and protective clothing whenever they are in the workplace. Such gear could include safety shoes, reflective gear, a helmet, gloves, and so on. The type of gear depends on the kind of business.

Streamline your safety policies
Safety policies and regulations should be clearly outlined. As well, each employee should be aware of the consequences of violating each.

Take up commercial insurance for your business

Having an insurance policy for your employees ensure that they will be compensated should an accident happen in the workplace. It also protects your business from employees should they sue you due to the accident.

Observing the above tips will not only help your business achieve a healthy and safe environment but also boost your employees’ productivity. The Insurance Center of Green Valley offers customized commercial insurance plans for Green Valley businesses. Get in touch with us today for more information.

What You Should Know About Homeowners Insurance

Well for one unlike auto insurance, homeowners insurance is not required by the state you live in. However, if you are buying a home, chances are your mortgage lender has requested that you secure a policy in terms of your loan.  Even if you do not have a mortgage, look into homeowners insurance; you do not want to watch your investment go up in smoke with no way to replace it.  So what does homeowners insurance cover?  

One of the most common misunderstandings about homeowners insurance is that it covers anything that goes wrong in your house.  It is important to remember that insurance and home warranties are two very different products. For example, a home warranty may cover your air conditioner malfunctioning, while your insurance policy may cover it if it stops working due to lightning strike or theft.

When it comes to homeowners insurance, there are basic coverages that all companies will cover. Often the product name may be different based on the company, what they provide coverage for are the same.

An HO-1 is the most basic homeowners coverage you can get it. An HO-1 will cover the structure and depending on the policy your stuff inside from the following perils or cause of loss:

  • Fire or smoke
  • Explosions
  • Lightning
  • Hail and windstorms
  • Theft
  • Vandalism
  • Damage from vehicles
  • Damage from aircraft
  • Riots and civil commotion
  • Volcanic eruption

A step above the HO-1, the HO-2 will protect your home and belongings from these additional perils:

  • Accidental discharge or overflow of water or steam
  • The weight of ice, sleet, or snow
  • Sudden and accidental splitting apart, burning, cracking, or bulging of pipes and other household systems
  • Falling objects
  • Any damage that is sudden and accidental from an artificially generated electrical current
  • Freezing of housing systems like AC or heating

Then the next level would be a more robust policy such as the HO-3 (this is the most common type of coverage), or the H0-5 will provide additional coverage plus what is listed above.

If you are buying a home in Green Valley, AZ, let the helpful agents at Insurance Center of Green Valley find you the right homeowners policy for your needs.