Author Archives: AgentInsure

Three Most Destructive Pest Infestations

Posted on by

Pest infestations can take a toll on your home and can even affect your home’s overall value. To keep your home safe from pests, you need to know what to be on the lookout for. Here at the Insurance Center of Green Valley, we want to help homeowners in Green Valley, AZ, and the surrounding areas keep their homes in tip-top condition. Keep reading to learn more about the three most destructive types of pest infestations. 

Termites

It is probably no surprise that termites are top of our list. Termites are insects that feast on wood and burrow into the wooden structures of your home. When left unchecked, termites can devastate your home’s value and even your home’s safety. Wooden structures weakened through termites can crumble or fall, endangering you and your family members. 

Catching a termite infestation early is vital before the destruction has gotten too bad. If you suspect termites in your home, contact a pest expert immediately. 

Bees

Bees are surprisingly a destructive pest as well. Carpenter bees can burrow into wooden structures in your home and cause damage. They often attack porches, doorways, patios, decks, and outdoor wooden structures such as play sets or barns. This can create a safety risk as the weakened structures can fall. A pest control expert can help you get rid of carpenter bees quickly. 

Rodents

Rodents are also a hazard to your home due to the fact that they will gnaw on critical things such as wood, wiring, and even insulation. Rodents also pose a health risk to you and your family as well. 

If you want to learn about our home insurance products, please contact us at the Insurance Center of Green Valley, serving Green Valley, AZ, and the surrounding areas. 

Common Myths About Commercial Insurance

Posted on by

One of the best ways you can relieve some of the stress of being a business owner is by investing in a commercial insurance policy. Unfortunately, there can be a lot of misinformation surrounding these insurance plans, leading many Green Valley, AZ owners to neglect this aspect of their business. At the Insurance Center of Green Valley, we strive to bust those myths and help you protect your company.

My Business Isn’t Big Enough for Insurance

The importance of commercial insurance isn’t tied to companies of a specific size, location, or industry. The smaller a business, the more important a commercial insurance policy may be for its bottom line. Ensuring you have coverage before a significant event can save you thousands.

Commercial Insurance Is Too Expensive

Though not free, commercial insurance is well worth every penny. A policy can be the difference between paying all expenses out of pocket and having a safety net to bear the costs. Neglecting insurance coverage will only hurt your business in the long run.

I’m Already Covered With General Liability Insurance

Unfortunately, general liability insurance won’t protect you should an employee get hurt on the job or damage be done to your property. General liability is, in truth, only suited to cover damages done by your business to individuals outside of yourself and your employees. Should a fire or other natural disaster occur, you’ll also be covering expenses out of pocket.

Protect Your Assets With Help From the Insurance Center of Green Valley

The bottom line is if you own a business, commercial insurance is a must. By partnering with a Green Valley, AZ insurance agent, you can find the policy that best fits your needs and budget. Don’t hesitate! Contact our team today.

Tips to improve your gas mileage

Posted on by

We all know that gas prices are high here in the Green Valley, AZ area and that keeping our gas costs low is becoming increasingly important. Thankfully, there are various ways to improve your gas mileage so you can get more out of every tank. Here are a few tips from us, the Insurance Center of Green Valley to help you save on gasoline: 

  1. Keep Tires Properly Inflated – Ensuring your tires are properly inflated is one of the easiest ways to boost fuel efficiency. Underinflated tires put more strain on your car, forcing it to work harder and consume more fuel in the process. 
  2. Slow Down – Driving slower is another excellent way to boost your MPG while also making the roads safer for everyone. The faster you go, the less fuel-efficient your car becomes, so it pays off in the long run if you take things slow and steady when behind the wheel. 
  3. Use Cruise Control – When driving at a steady speed, such as on highways or interstates, cruise control can help reduce strain on your engine and improve fuel consumption by up to 15%. 
  4. Take Advantage of Gas Price Apps – Several apps can help you find the lowest gas prices near you and save money at the pump. Many of these apps even offer rewards for using their services, so be sure to check them out! 

By taking advantage of these simple tips, you’ll be able to get more miles per gallon and save money simultaneously! For more tips, call us at the Insurance Center of Green Valley today. We are proud to serve the Green Valley, AZ area.

The importance of carrying workers compensation insurance

Posted on by

Workers’ compensation insurance from the Insurance Center of Green Valley is an important form of insurance for any Green Valley, AZ area business that employs employees full-time or part-time. It provides an essential layer of protection for businesses, employees, and their families in the event of accidents or injuries that occur in the workplace. By providing financial help to workers if they become injured or ill due to their job, workers’ compensation insurance helps to ensure that both business owners and employees can focus on their work with peace of mind.

Workers’ compensation insurance can also provide employers with liability protection against claims made by employees who claim they were injured while in the workplace. In addition, it helps cover wages lost during an employee’s rehabilitation period following an injury or illness. 

This type of insurance is legally required in most states, so it should be a top priority when setting up your business structure. It’s also a wise choice for business owners who want to protect their company and its employees from unexpected incidents occurring on the job. Investing in workers’ compensation insurance is an intelligent decision that will benefit everyone involved in running a successful business.

For more information or to explore a policy that will protect you and your employees, call us at the Insurance Center of Green Valley today. We are proud to serve the Green Valley, AZ area and would be happy to help you find a policy that meets your needs and budget. You, and those you employ, will sleep better knowing they are protected.

Three Ways To Protect Your Home From Pests

Posted on by

There are so many different things that can threaten our home, including the smallest of pests. At the Insurance Center of Green Valley, serving Green Valley, AZ, and the surrounding areas, we want to help you defend your home on all fronts. Keep reading to learn ways to protect your home from pests. 

Don’t Ignore Infestations

If you start to see any signs of infestations, take care of them immediately. Pests will not simply go away on their own. Many pests, such as termites, will only grow worse over time. It may be tempting to ignore the problem and hope it resolves itself, but this is not a wise move and will likely cost you more money in the long run. 

Use Professionals 

It is always advisable to use professional pest control when you have a pest issue. These professionals will be able to properly assess the extent of the problem and provide services that will eliminate the pests quickly. Professionals also have access to products and equipment that you would not be able to access as well. Licensed pest control experts can use certain products because they are trained and certified to do so safely. Regular homeowners will not be able to access these types of products and therefore could not do as thorough of a job. 

Annual Checkups

Having your home evaluated annually for pests is also a good idea. This allows you to get ahead of the problem before an infestation starts. 

If you would like to learn about home insurance services, please get in touch with us at The Insurance Center of Green Valley, serving Green Valley, AZ, and the surrounding areas.  

Three Benefits of Comprehensive Auto Insurance on Older Vehicles

Posted on by

Many people drop their comprehensive auto insurance coverage once their vehicle gets to be past a certain age. The idea is that the cost to replace the vehicle might be less than the premiums over several years. However, this isn’t the smartest way to do things. There are many benefits to keeping your comprehensive coverage through the Insurance Center of Green Valley, serving Green Valley, AZ, on an older vehicle:

1. Coverage on Repairs and Replacement

Comprehensive auto insurance can cover the cost of repairs or replacement of your vehicle, regardless of age. This may even include damage and theft. Many people don’t have the cash in their checking account to go out and buy a new car, making comprehensive insurance well worth it.

2. Protection Against Non-Accident Related Incidents

In these times of unpredictable weather, every vehicle is more susceptible to damage from weather-related damage from hail, storms, tornadoes, and more. Older vehicles are just as likely to be damaged as a brand-new vehicle.

3. Coverage for Medical Expenses and Liability

If you only have collision coverage, if you get into an accident, your auto insurance policy will only pay for the other person’s damages. But when you retain comprehensive vehicle insurance, you can benefit from coverage for medical expenses and liability. This is especially helpful if you have limited health insurance. Considering that most older vehicles aren’t equipped with the latest safety features, it makes sense to have comprehensive insurance coverage.

As your insurance representative at the Insurance Center of Green Valley, serving Green Valley, AZ can tell you, comprehensive insurance offers excellent value, even on older vehicles. So, don’t be so quick to drop this valuable coverage. Contact the Insurance Center of Green Valley today to learn more.

Should a Small Business Owner Get Commercial Insurance?

Posted on by

Whether selling handmade items on a small online platform or running a soap company out of a modest brick-and-mortar storefront, you may wonder if commercial insurance is a good idea for your small business.

At the Insurance Center of Green Valley, we’ve walked plenty of business owners of all business shapes and sizes in the Green Valley, AZ area through the commercial insurance coverage process. 

What is commercial insurance?

Commercial insurance, which is sometimes referred to as “business insurance,” is a type of insurance policy that provides coverage for businesses and related items. For example, some types of commercial insurance cover liability if a company is on the receiving end of a lost lawsuit.

In other cases, commercial insurance might cover a business facility for commercial property insurance or the company’s vehicle with a specialized commercial vehicle insurance policy. Some commercial insurance policies cover multiple aspects of the business, while others zero in on specific company parts.

Why should small business owners get commercial insurance?

For small business owners, commercial insurance can be a safety net that provides coverage for unexpected expenses. Unlike large corporations, small businesses may not have the savings or assets to cover an emergency such as fire damage to their facilities or damages in a lawsuit.

Theft, lawsuits, and damage are difficult to handle for all businesses. For small business owners especially, one unexpected emergency can be enough to hurt the business or make it impossible for the company to continue. Although every commercial insurance policy is different, some cover the specific needs of smaller firms.

If you are a small business owner considering commercial insurance, call our office at the Insurance Center of Green Valley in Green Valley, AZ, today!

Get Home Insurance – Don’t Leave Your Most Valuable Asset Unprotected

Posted on by

Are you a homeowner in the Green Valley, AZ area?

The Insurance Center of Green Valley can provide the coverage you need for your most valuable asset.

Why is it important to have this coverage? It protects the home and personal property. In the event of a total loss, insurance becomes the primary source of the funds needed to rebuild. It will also provide liability coverage for any legal action resulting from injuries or damage to your property by another person.

One of the most critical aspects of homeowners insurance is the level of coverage. The most common coverage level is HO-2, which protects against 16 events outlined in the policy.

“My home is paid for. Why do I need homeowners insurance?” If someone is injured on your property, or if a weather event causes damage to your home, any associated costs will need to be paid by you out-of-pocket. These resulting costs can sometimes be relatively high and can result in the loss of a home or create financial ruin.

If your home has a mortgage, the lender will require you to have enough insurance to protect their investment in the property. They will also require that they be listed as the property’s lien holders.

If you allow the insurance to cancel, the bank will obtain a force-placed insurance policy on the property, which is quite costly, to protect them against any possible risk of loss.

The most common type of coverage is replacement cost coverage. It pays to repair or replace your property. The insurer will pay you for the repairs or to replace your property.

If you are a homeowner, you will need this important coverage. The Insurance Center of Green Valley can provide this. Contact our office today.

Does Commercial Insurance Cover Employee Theft?

Posted on by

If you own a business, it’s essential to know if your commercial insurance includes coverage for employee theft. Inventory shrinkage can be extremely costly, jeopardizing your business without the proper coverage. In this post, the Insurance Center of Green Valley looks at what Green Valley, AZ businesses need to know about commercial insurance.

What is Commercial Insurance? 

Commercial insurance protects businesses against risks associated with their operations and activities. It covers everything from property damage to professional liability and can help ensure that your business stays afloat in the event of an unexpected loss or damage. Depending on your policy, commercial insurance may also cover inventory shrinkage due to employee theft or fraud. 

Does Commercial Insurance Cover Employee Theft? 

The answer here depends on the specifics of your policy. In most cases, though, commercial insurance policies will provide some form of coverage for employee theft or fraud, including inventory shrinkage caused by dishonest employees. However, there are usually certain restrictions in place for these types of claims—for example, you may only receive up to a certain amount of compensation for any losses caused by the employee’s actions. It’s important to check with your insurer before filing a claim to understand what’s covered and what isn’t. 

No one likes dealing with employee theft—it can be embarrassing and financially devastating for your business. That’s why it’s critical that Green Valley, AZ business owners understand whether their commercial insurance covers employee theft (inventory shrinkage). By understanding how commercial insurance works when it comes to protecting against employee theft (inventory shrinkage) as well as taking proactive steps toward prevention.

Do you still have questions? Contact us today. The Insurance Center of Green Valley is here to help.

What are the benefits of having auto insurance in Arizona?

Posted on by

If you live in the Green Valley, AZ area, you can find that owning a car is a smart move. When you own your vehicle, ensuring you are adequately insured will be helpful. This type of coverage will provide many benefits for both you and your vehicle. 

Financial Coverage

You will want to have an auto insurance policy because it can offer financial protection. If you are in an accident, there are always costs that come with repairing your vehicle, covering medical bills, and even providing financial support for others if you are deemed liable. Auto coverage provides the support you need to offset this risk.

Comply with any requirements

It would be best to have an auto insurance policy to ensure you can comply with any requirements. The typical car owner in this state will be required to carry a certain level of liability insurance. Not having this coverage can lead to penalization. Further, if you have taken out an auto loan when buying the car, you undoubtedly are required to maintain a full comprehensive plan to protect your vehicle.

Comfort and Peace of Mind

Auto insurance is also necessary to have peace of mind. If you are not insured, driving in any situation can be nerve-racking. However, if you have an auto insurance policy, you will know that you are covered for unforeseen accidents and that you will be in compliance with the law.

There are many choices when looking for a new insurance plan in the Green Valley, AZ area. When looking for coverage, calling the Insurance Center of Green Valley can be good. The team here excels at supporting and helping you build a quality plan.