Choosing the Right Auto Insurance Coverage in Arizona

Drivers in Green Valley, AZ have many options for auto insurance. There are many coverages, and knowing which one is right for you is challenging. Here’s an overview to help choose the right policy.

Liability Coverage

Liability coverage is the most basic type of coverage. It covers damage you cause to other people or property with your car. It does not cover damage to your vehicle or injuries to yourself or your passengers.

Collision Coverage

Collision coverage covers damage to your car from accidents. It pays to repair or replace your vehicle up to the car’s value. Collision coverage is not required by law, but if you have a loan on your car, your lender will probably require you to have it.

Learn more about auto insurance by speaking with an Insurance Center of Green Valley representative today.

Comprehensive Coverage

Comprehensive coverage covers damage to your car from causes other than accidents. This includes damage from fire, theft, vandalism, floods, and hailstorms. Like collision coverage, comprehensive coverage is not required by law but may be required by your lender if you have a loan on your vehicle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist (UM/UIM) coverage pays for damages caused by accident with a driver who does not have insurance or does not have enough insurance to pay for the damages they caused. UM/UIM coverage is not required by law but can be a good idea if you are worried about being in an accident with an uninsured driver.

Contact the Insurance Center of Green Valley to get started. We can help you find the right auto insurance coverage for your needs and budget.

The Top Things You Need To Know About Home Insurance

Home insurance is a fundamental part of being a homeowner. It protects you from potentially devastating financial losses if your home is damaged or destroyed. Despite this, many homeowners are unaware of what their home insurance policy covers. This post will explore the top things you need to know about home insurance.

1. Covered Perils Depend on the Policy

Most home insurance policies cover damage from common perils like fires, windstorms, and hail. But coverage for other risks, like floods and earthquakes, is often excluded. That’s why it’s essential to read your policy carefully, so you know what is and isn’t covered. If you live in an area prone to a specific type of natural disaster, you may need to purchase a separate policy to be fully protected.

2. You May Need Additional Coverage for High-Value Items

Your home insurance policy will have a limit on how much it will pay out for any one item. So, if you have any high-value items, like jewelry, art, or collectibles, you may need to purchase additional coverage to insure them fully. This is usually done through a rider or endorsement of your policy.

3. Every Home is Different, so Coverage Should Be Too

No two homes are exactly alike, so it’s essential to have a home insurance policy that reflects the unique needs of your property. The amount of coverage you need will depend on factors like the value of your home, the number of personal belongings you have, and the likelihood of certain types of disasters in your area. Working with an experienced insurance agent can help you get the right coverage for your home.

4. Home Insurance is More Than Just Property Coverage

Most people consider home insurance property coverage, but it’s much more. Most policies also include liability protection, which can help cover the costs if you’re sued for damages, or someone is injured on your property. This is an essential part of your coverage, especially if you have visitors to your home regularly.

Get Home Insurance in Green Valley, AZ

If you’re looking for home insurance, the Insurance Center of Green Valley is a great place to start. We can help you find the right coverage for your needs and give you peace of mind knowing your home is protected. Contact us today to learn more.