Author Archives: AgentInsure

When to shop for new auto insurance

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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

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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

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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

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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?

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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.

What the Other Structures Section of a Homeowner’s Policy Covers

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In the days where every home in Green Valley, AZ had a detached garage, everyone recognized the need for the other structures section of a homeowners policy. While some homeowners ask if they can remove it from their policy, Insurance Center of Green Valley wants you to understand why you still need it.

The other structures section of a homeowner’s policy also provides coverage for sheds, cabanas, gazebos and pool houses, as well as other small buildings that do not directly attach to a home. It also pays for damage to your driveway, swimming pool or retaining wall. When you read the list of what it covers beside a detached garage, it makes sense why you need to keep it.

In addition to paying for necessary damages to the physical structures, the other structures section also covers your liability if someone gets hurt in or by your pool or in the shed.

Your liability coverage pays their medical costs and pain and suffering. If someone dies on the property, it can also pay for their funeral.

You also need to keep your other structures coverage if you decide to put in a guest house or a home office in a separate building. It covers your structure, its contents, and liability. Of course, if you hold business meetings in your home office in Green Valley, AZ, you may need to add to your liability coverage.

Other structures do not include a guaranteed or extended replacement clause which means it won’t cover any atypical structures on the property. If it is not common to a single-family dwelling, you will need to extend the limits of your homeowners policy.

Call or come by Insurance Center of Green Valley to discuss your homeowner’s insurance and learn more about what your other structures coverage helps you recover. Your policy may already provide things you did not know.

Auto Insurance Add Ons You Need

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When it comes to protecting your vehicle there are a number of auto insurance add ons you’ll want to consider. While it comes down to the kind of vehicle you drive, the amount you drive, and the kind of protection you’re interested in, chances are there are some auto insurance add ons that will give you peace of mind. If you live in or around Green Valley, AZ the team at Insurance Center of Green Valley is here to help. 

Roadside Assistance

There’s nothing worse than being stuck on the side of the road with no way to move your vehicle. Whether it’s a flat tire that you can’t change, a dead battery, the engine overheated and shut down, or there are other problems altogether, it is essential to have roadside assistance. It will save you money and keep you safe. 

Personal Injury Protection

Chances are your auto insurance may also cover some aspects of medical expenses. Your medical insurance may kick in as well. However, chances are this will not fully protect you and others within the vehicle. This is where personal injury protection, or PIP, comes in. This kind of auto insurance goes the extra mile and covers medical expenses up to a set amount. This set amount can be adjusted depending on the policy you decide to take advantage of.

No matter what kind of vehicle you drive or who your current insurance provider is, it’s always a good idea to look into your current coverage and decide what is best for your particular needs. When you live in or around Green Valley, AZ the team at Insurance Center of Green Valley can help. All you need to do is pick up your phone and give the team a call at your earliest convenience. 

Does My Commercial Coverage Include Vandalism?

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The Insurance Center of Green Valley offers a variety of insurance policies to help local entrepreneurs in Green Valley, AZ protect their business. The agents offer commercial policies that cover a wide variety of liability and damages, including those associated with vandalism. While vandalism isn’t overly common, but it does occur. 

Is the Building Occupied?

While commercial insurance policies are known to cover damages that are the result of vandalism, there are certain stipulations. For a commercial policy to cover these types of damages, the building must be occupied. If a building is vacant, it is much less likely that your commercial policy will be willing to pay for any repairs. Occupied buildings are less likely to be vandalized because they are more visible.

Estimates to Repair Damage

If your commercial building is vandalized, you will need to have an estimate that states how much it will cost to make the repairs. If the amount is more than that of your deductible, your insurance company will pay the difference. It may be a good idea to get two estimates so that you have an average to work from. In some cases, a police report may be needed, especially if the damages are extensive.

Business owners who live in the Green Valley, AZ can schedule an appointment with the agents of the Insurance Center of Green Valley if they are looking to purchase a new commercial policy or upgrade an existing one. Don’t leave your business to chance. Talk to an agent at your earliest convenience to make sure your business is fully insured. Schedule your meeting and get all of your potential concerns addressed by the professionals.

Dogs And Your Homeowners Insurance Policy: What You Need To Know

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Like most dog caretakers, you consider your pet a member of your family. Your Green Valley, AZ home insurer, on the other hand, has to view your pet and the risks they may pose objectively. One of the most beloved pets, dogs can also pose some of the biggest risks for injury. In fact, 4.5 million people are bitten by dogs each year, and 900,000 of those require medical treatment, according to the Centers for Disease Control and Prevention. Here’s what you need to know about dogs and your homeowner’s insurance from Insurance Center of Green Valley. 

Homeowners Insurance and Dogs 

Most homeowners insurance policies will cover dog bites and other dog-related incidents through your liability insurance. However, when you inform your insurer that you have a dog, the possible risks they may bring can result in higher premiums. Because even the best-trained dogs can be unpredictable, you may end up an increased rate, require more liability coverage, or depending on the insurer’s policies or local ordinances, be denied insurance altogether. 

Does My Dog’s Breed Matter? 

While a dog’s breed is not a definite indication of the risk they may present, when it comes to restricting homeowners insurance, the breed is a key factor for many insurers. Many refuse to cover large, muscular canines who could potentially inflict severe harm from a single bite. While many small dogs, such as Dachshunds, are aggressive, and many large dogs such as Rottweilers and Pit Bulls are calm and non-aggressive, it often comes down to the amount of possible injury the animal could cause.  

Curious About How Your Pet May Affect Your Insurance? 

The only way to know how your specific four-legged friend may affect your Green Valley, AZ homeowners insurance coverage is to talk with your insurer. Give us a call today at Insurance Center of Green Valley to find out more about your pet-related insurance needs. 

Commercial Insurance For Your Small Business

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If you think your business is too small to insure at all, much less purchase commercial insurance for, you may be in error. Your small business may benefit by the big protection of commercial insurance. At Insurance Center of Green Valley we want our local small businesses to succeed no matter what comes their way, so check if you should be covered if you have a business of any size. We serve businesses in Green Valley, AZ and the surrounding area. 

Does Your Small Business Need Commercial Insurance? 

According to the Arizona Small Business Profile, a small business is a company with fewer than 500 employees and makes up more than 97% of all state employers. It is vital that these small businesses are all protected as much as possible with insurance to keep our economy up. 

Even if your business is nowhere near 500 employees, insurance is still a good idea. In fact, if you have one or more people who are part or full time, you are required by the state to carry worker’s compensation insurance. Also, all drivers must have minimum auto insurance, but if you use your vehicle for your business it is wise to get commercial vehicle insurance, no matter if you are the only one driving it in your business. 

While the above is required, commercial property insurance and commercial automobile insurance are not legally mandatory. Regardless, it is prudential to protect your source of income and your employees’ livelihood with commercial insurance. Even if your company is fledgling or very small, you still have a lot to lose if things go wrong and a good commercial insurance policy can save the day. 

Contact us at Insurance Center of Green Valley, AZ if you are interested in protecting your business. We can discuss your options and come up with a policy that fits you.