My neighbor’s tree fell onto my house; who is responsible for the damage?

Owning a home is a great comfort and responsible homeowners take great care to make sure that they keep their property well-maintained and in safe working order. Unfortunately, there are some irresponsible owners out there who aren’t as careful, and their neglect can cause damage to their neighbors.  It is important to contact your agent right away after such an event to learn what your rights and responsibilities are. The team at Insurance Center of Green Valley is here to help protect your Green Valley, AZ home from harm no matter the cause.

Who is responsible if a neighbor’s tree damages my home?

Determining responsibility for tree damage isn’t always as straightforward as you would like to think. There are many different factors to consider, and your agent can help you work through the process to make sure that you aren’t held liable for something that isn’t your responsibility. If there is a natural disaster that causes the tree to fall or be uprooted, it may be treated differently than if the tree was neglected and diseased and the damage was preventable. 

Because of these differences in policy protection, it makes sense to work closely with your insurance agent to determine who is at fault and how to move forward from there. If it is determined that you are liable for the damage to your house, your agent can help you file a claim. 

Take care of your family home with the right insurance policy. If you are in the greater Green Valley, AZ area and want to learn more about your home insurance policy options, contact the team at the Insurance Center of Green Valley today for a consultation. We look forward to working with you and your family!

Assessing Your Risks For Commercial Insurance

When buying commercial insurance for your Green Valley, AZ business, it comes down to a few basic questions:

  • What do you need to protect
  • What protections are required by local, state and federal regulation, and
  • How much can you cover out of pocket

When assessing risk, most business owners will immediately be thinking along the lines of the property. Certainly, you want to be protected against theft, vandalism and other damages. But the big risk for business owners is a liability.

A restaurant can replace a microwave or blender damaged in a small fire, but the costs involved in a lawsuit should someone be injured on your property or by one of your products can sink a thriving business.

Computer security is another big risk that many business owners neglect to consider. Running a business from a laptop or with a network of remote freelancers is certainly an option in this day and age, but just because you don’t have a physical store doesn’t mean that you have nothing at risk. A breach of customers’ private data owing to cybercrime or simple negligence can be a catastrophically expensive problem to correct.

Your unique risks come down to the nature of your business, and whether you manage a hundred employees or it’s just you, there’s always going to be something that you need to consider.

If you want to get covered on a policy that works for you, that covers your business’ risks, get in touch with Insurance Center of Green Valley and we’ll help to get you set up with an insurance plan that will cover everything you’ve worked so hard to build.

Why Small Businesses Need Commercial Insurance

Small businesses need commercial insurance to be in legal compliance and to protect the main asset of the business owner, which is often the total focus of their lives; the business they built up.

Commercial insurance is a broad category of protection that includes worker’s compensation, general liability, professional liability, product liability, property and casualty insurance, commercial vehicle coverage, and business interruption.

The one category of commercial insurance where many small businesses are under-insured is business interruption. Business interruption protection is vital coverage when a business cannot operate normally due to circumstances beyond anyone’s control.

The Risks of Climate Change

The impacts of climate change are showing up all over the United States in terms of massive flooding, wildfires, earthquakes, hurricanes, heat waves, huge storms, and tornadoes. In light of the increased risk of natural disasters, there is a chance that a small business will be suddenly wiped out. This can happen even if the business itself does not experience any direct damage. Power may be off for extended periods and roads may be closed.

If a natural disaster hits an area and the local economy stalls out, many of the expenses of the business may continue even when there are no revenues coming in to help pay for them. It is a shame to lose a business that was otherwise thriving because a natural disaster prevents its customers from the normal activities that support the business.

What Happens When Tourists Stop Coming?

Businesses that live off of tourism may be especially vulnerable. If all the community is damaged by a natural disaster then few tourists, except the gawkers, are going to want to come to the area. A business on the outskirts of such an area may not be able to keep the doors open without business interruption insurance.

Commercial Insurance Review

Work with your agent at Insurance Center of Green Valley, serving Green Valley, AZ and the nearby communities, to have a review of the commercial insurance coverage to make sure there is adequate protection in place. For all commercial insurance needs contact your agent at Insurance Center of Green Valley in Green Valley, AZ by calling 520-648-1150.

Safe Driving Habits for Summer Road Trips

There’s nothing more exciting than taking a summer road trip with your family. Whether you’re exploring the Green Valley, AZ area or traveling beyond, the following road safety tips from Insurance Center of Green Valley can enhance your summer travels.

Inspect Your Vehicle

Before hitting the road this summer, have your mechanic do a multi-point inspection of your vehicle. Your mechanic should check your engine, battery, fluids, tires, brakes and cooling system before giving you an “all clear” for long distance travels.  

Plan Your Route

In addition to using your smartphone’s GPS, make sure you bring an updated map to mark your routes and plan your travels. A map will come in handy if you encounter areas where you receive no service on the road. Maps are easy to follow and reliable at all times, making it easy to keep track of your travels.

Drive Defensively

Drive defensively, making sure to obey speed limits, keeping a safe distance from other cars, stopping to rest when you’re tired and avoiding texting or talking on your cell phone when driving. Take your time and enjoy your road trip to the full by visiting natural resources or exploring famous landmarks along the way.  

Protect Your Vehicle and Belongings

Lock your vehicle when you’re not inside to protect your car (and belongings) from theft. Park in well-lit, secure areas when stopping to rest or have a meal to discourage thieves from targeting your vehicle. If you must stop at night to use restroom facilities, use the facilities quickly to reduce your risk of theft.

Update Car Insurance

Make sure your auto insurance is up-to-date for full protection on the road. To update your auto insurance coverage for an upcoming road trip, contact Insurance Center of Green Valley in Green Valley, AZ today.

A Guide to Buying Green Valley, AZ Homeowners Insurance

Insuring your home is an important thing to do, because you want to protect such a big investment. If you have a mortgage, your lender may also require you to have an insurance policy on your home in order to make sure the money they loaned you is properly protected. With all of that in mind, Insurance Center of Green Valley can help you insure your home so you can have the peace of mind and coverage you need most. Here is what to consider as a guide to buying Green Valley, AZ homeowners insurance.

Make Sure You Know What is Required

Different states have different coverage requirements, so making sure you are getting a policy that fits state regulations matters. You want to make sure you are complying with all laws, in order to protect the home you have purchased and your investment in it. If you are not sure what is required for your homeowners policy, asking questions is the way to make sure you are handling the issue right.

Consider Coverage for Additional Concerns

Just covering the basics is certainly acceptable, but it might not be as thorough as you would really like. Taking with your agent about Green Valley AZ insurance coverage and the additional options you have available can help you get more thorough coverage. That way your peace of mind is increased, and if something more unexpected happens to your property you will have the coverage you need.

Work With an Agent You Can Rely On

A great way to feel good about your homeowners insurance choice is to work with Insurance Center of Green Valley. Our agents are committed to helping you get the coverage you need. Reach out to us today, and let us help you get the homeowners insurance coverage that works for you.

When to shop for new auto insurance

All your insurance policies are forms of expenses which can change over time. Auto insurance is one of those expenses that you can always check and shop for the best deal. To do this, of course, you need to be a regular shopper and also keen to buy from a certified company like the Insurance Center of Green Valley if you live around Green Valley, AZ. Here are the most opportune times to shop for new auto insurance.

If you purchased a new car

This should sound almost automatic. Purchasing a new car means getting it insured, which of course does not need to be from the previous auto insurance company. This is the best moment to find out whether you are getting some value for your money or not.

If you are getting married

Getting married comes with lots of changes in one’s life. It means reviewing all your financial expenses, cutting some and adding on some. All your insurance policies will play a tremendous role in protecting you and your young family. This will be an excellent moment to check your auto insurance and determine whether to buy or not.

If you are getting old 

Car insurance like any other expense will change with time. New regulations by the government can also tamper with the rates, that s why it is prudent to stay relevant with your auto insurance news. As you age the rates get naturally better, therefore shop once every few years.

Not getting good deals from other companies? Let the Insurance Center of Green Valley take care of all your insurance needs. To know everything about us, visit us at Green Valley, AZ and our friendly staff will assist you in finding the policy that fits your needs best.

Protecting Your Business From Slip and Falls and Other Nuisance Suits with Commercial Insurance

Owning a business can be a source of great satisfaction and pride, but it can also create many unwanted situations. If you are a business owner in the greater Green Valley, AZ area, you may be looking into your insurance options to protect your business and financial interests. Insurance Center of Green Valley is here to provide you with the information you need when formulating and updating your commercial insurance portfolio. Don’t let minor lawsuits affect your bottom line- get the insurance protection you need.

How Commercial Insurance Can Help Protect Your Business

Commercial insurance options go far beyond property and physical plant coverage. If you are a business owner you understand the importance of holding an appropriate amount of liability coverage. With liability coverage, you can protect your assets from the fallout that comes with superfluous lawsuits such as slip and falls. Depending on how your company is structured, the right insurance may also cover your own personal assets in the event of a liability case. Don’t let all of your hard work be washed away by one unfortunate situation. Liability coverage is a must-have for any commercial insurance portfolio to keep your business safe from lawsuits. We recommend that our commercial clients review their insurance policies on an annual basis to make sure they are complete.

Is it time to review your commercial insurance portfolio? Now is a good time to make sure that you have the coverage you need to protect your firm from slip and falls and other nuisance suits. If you are in the greater Green Valley, AZ area contact Insurance Center of Green Valley today and schedule your appointment. We are happy to take the time to review your insurance needs and options with you today.

4 Ways to Protect Your Green Valley Home Against Theft

Green Valley is a pretty peaceful place to live, work, and play. Unfortunately, theft can occur even in neighborhoods where you wouldn’t expect it to happen. Our team at the Insurance Center of Green Valley has put together this quick guide with four ways to protect your home against theft.

#1: Add Lights Around Your Property

Ask any member of law enforcement and they’ll tell you that light is the enemy of crime. Protect yourself and your property by adding plenty of lights around your home and keeping your porch light on a timer.

#2: Always Lock Doors and Windows

Criminals often look for easy opportunities to break into a home. Reduce the chance of theft by always locking windows and doors. This includes when you are at home and when you are away.

#3: Keep Valuables Out of Sight

Another tip for protecting your Green Valley home against theft is to keep valuables out of sight. Always shut your garage door when you aren’t outside and never leave things like wallets, purses, or computer bags inside your vehicle. After holidays, dispose of boxes and packaging for pricey items at a local dumpster to reduce the chance of a criminal catching onto the idea that these goods are inside your residence.

#4: Have Adequate Homeowner’s Insurance

Having adequate homeowner’s insurance is another way to protect your Arizona home. If you’ve taken the above-mentioned steps to heart and a break-in still occurs, you’ll be able to replace missing items or repair damage thanks to your policy.

Are you looking to insure your home, auto, or business in Green Valley, AZ? The Insurance Center of Green Valley is here to help. Please contact us today to schedule an appointment or for a no-obligation rate quote.

 

What to Do When You Do Not Have Auto Insurance

Auto insurance is something that you need to legally have in the state of Arizona if you are the owner and operator of a vehicle. Because of the law, you may be wondering what you need to do if you do not have auto insurance in Green Valley, AZ. Luckily, the answer is a pretty simple one and we can help you here at the Insurance Center of Green Valley. 

When it comes down to it, the only thing that you really need to do is get an auto insurance policy. This may seem complicated if you have never purchased your own policy before or if you currently do not have coverage when you should but we are here to help walk you through the steps. 

You need to make sure that you get a policy that will meet the minimum state requirements by law. This is usually pretty simple because most insurance companies would not sell you a policy that did not meet these requirements. However, it is still something good to check on before you move any further with the process. 

Once you know that part is covered, you can add on more coverage if you want but you are not required to. If you do not want to, it is simply a matter of paying for the policy and making it effective. 

Now that you know what you need to do, it is time to get started. Be sure to reach out to us here at Insurance Center of Green Valley, serving Green Valley, AZ, to get started on your auto insurance policy today. We will make sure that the policy you choose meets the minimum requirements of the state and we will also work with your budget. 

Does Commercial Insurance Cover the Cost of Cleanup After Fire?

A fire is one of the last things that a business owner wants to deal with at their business. What might seem like something that not all businesses need to worry about, fire is actually quite common in many different commercial locations. Fire is just half the issue, cleanup is where large bills and long time lines for recovery start to pop up. If you live in the Green Valley, AZ area, the agents with Insurance Center of Green Valley can help you find a policy that protects you from nearly anything you could ever deal with.

When a commercial property experiences fire, a great deal of cleanup is involved. In most cases, your commercial insurance policy is going to cover the cost of fire damage cleanup if it is through one of their approved cleanup services. This allows the insurance company a chance to know that the work is being done, that it is being done well, and that it is being done right and they can track what work has been completed. Your commercial policy is going to cover a great deal of cleanup as it falls under the repair of the building and getting your business back to working order after a disaster occurs. You can find out more about what your policy covers by taking the time to review it and speak with an agent.

For those that live in the Green Valley, AZ, the agents with the Insurance Center of Green Valley can help you to find the right policy for you and for your business so that you can be sure you are fully covered. Fire can be devastating and can cause a huge amount of issue with many aspects of your business. A good policy can make a world of difference.