Your home is your castle. It’s your safe place where you can kick back and relax. It’s also possible the largest one-time investment you’ve ever made. Due to this, you need to protect your investment with right home insurance. However, there are different kinds of home insurance add-ons, which is why you need to educate yourself on what these differences are. Whether you live in or around Green Valley, AZ, Insurance Center of Green Valley is able to help.

Flood and/or Earthquake Insurance

These kinds of insurance are usually not included in your standard home insurance coverage. Earthquakes are not as common in Richardson TX as what you’d see out along the Pacific Coastline, but it is an option to consider. Likewise, flood insurance protects your home in the event of a major storm. You may also want to consider flood insurance depending on the location of your home if it’s at the base of a hill or is in a region more prone to flooding. 

Accidental Damage Insurance

Some people just seem to be a bit more prone to accidents than others. Maybe it’s tripping and spilling wine on the floor, or accidentally jumping and putting a fist through the ceiling. Whatever accident might occur, this kind of coverage is great for when those little accidents seem to come out of nowhere. 

Home Emergencies Coverage

This kind of coverage can cover when the HVAC system goes out and it needs emergency assistance (because those hot and humid Texas summers are no good without the AC). 

No matter the kind of home you own, how old it is or how long you’ve lived in it, it’s never too early (or too late) to evaluate the kinds of insurance options you have for your home. At Insurance Center of Green Valley, you’ll learn about the different options you can consider for your home and how each may improve the level of protection your home in and around Green Valley, AZ has. 

Having your own business can be a great thing, but it comes with a lot of responsibility. If you have a small business in Green Valley, AZ, you are facing different kinds of risks all the time. The agents at Insurance Center of Green Valley understand how losses can come from unexpected circumstances, so the only thing you can do is protect yourself ahead of time.

Commercial property or rental insurance will protect your property against loss. You can protect everything from the physical structure to equipment and furniture to on-site inventory. General liability insurance protects your business in case of lawsuits for bodily injury, property damage, medical expenses, and other issues like slander and libel.

Product liability insurance protects you if your defective product injures someone, and professional liability insurance covers you if you commit errors in judgment or if you commit malpractice or negligence. You can even purchase business interruption insurance which will cover you in the event that you are unable to stay open through no fault of your own.

Many small or home-based business owners choose a Business Owner’s Policy (BOP). A BOP combines multiple kinds of insurance into one policy, making the policy easier to manage while saving money. Typically, the BOP provides protection for property and liability issues and can be tailored to suit the needs of the client.

If you have a small business in Green Valley, AZ, you hope that you will never have to deal with accidents, natural disasters or lawsuits. But if anything does happen, you can be protected. Call Insurance Center of Green Valley today to find out what commercial insurance policies will best protect your business.

One of the questions that we at Insurance Center of Green Valley, serving the greater Green Valley, AZ area, are asked is whether homeowners insurance covers structures that are detached from a home. This can include things such as storage sheds, detached garages, barns and pool homes. If you have a building that is detached from your home, here is the information you need to know about whether it is covered by homeowners insurance or not. 

Is It Covered?

Unfortunately, there is not a one-size-fits-all answer to whether a pool house or other stand-alone building on your property, is covered by homeowners insurance. Some insurance policies will cover these stand-alone buildings, while others do not. The best way to determine whether this type of building is covered by your homeowner’s insurance is to carefully read the policy. The policy will clearly state whether detached buildings on your property are covered or not covered under the current policy. 

What Do You Do If It Isn’t Covered?

If your standalone building, such as a pool home, is not covered by the policy, there are two things that can be done. First, an addendum can be added to the current policy to extend coverage to the pool house or stand-alone building. Second, some insurance companies sell stand-alone building insurance coverage, a type of policy that specifically covers the standalone buildings on your property. This may be needed if you have multiple standalone buildings. 

If you have a pool house or other standalone building on your property, you will want to ensure it is covered by insurance. Here at Insurance Center of Green Valley, serving the greater Green Valley, AZ area, we can work with you to help ensure everything on your property is covered and protected. 

Buying a home may be the most significant achievement of your life, but it comes with its fair share of risks. You need to insure your home since it is one of the largest financial investments of your life. Homeowners in Green Valley, AZ face numerous risks ranging from vandalism, brutal storms, to liability for personal injuries. An Insurance Center of Green Valley homeowner’s insurance policy is a vital policy that every homeowner should purchase. Here are some reasons why you need to buy homeowners insurance.

Homeowners’ Insurance Offers Protection from Losses Caused By Natural Disasters

Any damage to your home caused by fire, high winds, tornado, or even a hurricane is usually covered by your homeowners’ insurance. With the increased risk of devastating natural disasters, an insurance policy becomes a basic necessity for every homeowner. Whenever a disaster strikes, you will be compensated so that you resume your normal life as soon as possible.

It Also Covers Your Personal Belongings

If your personal property is stolen or destroyed by a covered hazard, Insurance Center of Green Valley will reimburse you for the value of the lost property. Some of the personal belonging covered includes your furniture, clothing, and electrical appliances. Your homeowners’ insurance policy protects your personal property anywhere in the world.

Protects You from Liability Claims

Accidents are common, and a visitor may be injured on your property which may result in lawsuits and medical bills. A homeowners’ insurance covers you if such a scenario occurs. A standard policy pays for the material damage, legal fees, and medical bills of persons that may be injured on your property.

Offers Peace of Mind

When it comes to purchasing a homeowners’ insurance policy, the peace of mind it provides is worth every penny. You can’t wish for a disaster to occur but if it strikes, knowing that your most valuable asset is protected is worth the expense.

Are you a homeowner in Green Valley, AZ? Contact Insurance Center of Green Valley today and learn more about the homeowners’ insurance.

Every kind of insurance comes with an assortment of available add on’s. These add on’s are designed to provide you with extra coverage, based on your individual needs. As each home is different, every home insurance package should be different. At Insurance Center of Green Valley, we are here to help you protect your home in and around Green Valley, AZ. So here are some available insurance add on’s you need to consider. 

Sewage Backup Coverage

This heavily depends on the kind of home you own and whether your plumbing line connects to the city or runs to a septic tank. However, a backed up sewer line can end up costing you upwards of $25,000 to fix. That’s a major chunk of change you can avoid by simply adding on sewage backup coverage to your home insurance plan. 

Flood Insurance Coverage

During monsoon season you know just how bad the rain can come down at once. Because the ground isn’t made to absorb such a large amount of rainfall and the city drainage system can’t handle it either, areas can quickly flood. This kind of coverage is based more on where in town you live and if your home is at the base of a hill, but flood insurance coverage makes sure your property and belongings are protected in the event of flooding. This kind of coverage also protects you in the event of a burst pipe and other man-made issues connected with possible flooding.

When it comes to protecting your home, you need to understand the different kinds of home insurance options you have available. At Insurance Center of Green Valley, we’re here to provide all the necessary advice, answers and assistance needed to protect your home in and around Green Valley, AZ.

You never know when a disaster will strike and cause the loss of valuable possessions in your Green Valley, AZ home.  You can, however, be prepared by maintaining an up to date home inventory of your possessions as a record of what you own. A home inventory will simplify making an insurance claim so lost or damaged goods can be replaced faster.   

What’s a Home Inventory?

A home inventory is simply an itemized list of your personal possessions to include shoes, clothing, jewelry, electronics, furniture, artwork, kitchen goods and appliances, sports gear, books and anything else you may own. When making your list, you should pay special attention to valuable items such as heirlooms, posh jewelry and collectibles as these will cost more to replace if they are damaged, stolen or lost. 

Each item should have a brief description stating its condition, where it was bought and make, model and serial number if it applies. Your inventory should include receipts and appraisals for valuable goods to prove their worth and photos or videos to show their current condition. This information will make it easier for an adjuster from Insurance Center of Green Valley to assess your loss and expedite your claim.

How is a Home Inventory Used in a Claim?

Your home inventory can be used to substantiate ownership and condition of the goods you lost. Without proof of ownership, an insurance adjuster may question whether these items existed at all. Receipts, photos or a video of valuable items help verify their worth so you can get full value for them in a claim. Be sure to update your inventory periodically so it will be current when you need it.

Learn more about the benefits of a home inventory by contacting an insurance specialist at Insurance Center of Green Valley, Green Valley, AZ.

Home insurance is not a one size fits all approach. Everyone uses a different kind of insurance as everyone has different personal and financial needs. When living in Green Valley, AZ, you can depend on the Insurance Center of Green Valley for your particular home owner’s needs. That is why you need to consider these particular insurance additions. 

Valuable Item Insurance

Your home owners insurance projects the home. In the event of a break in your coverage may not extend to what is stolen. So, if you have valuable china smashed up or the thief made off with your entertainment system, valuable item insurance coverage may be a desirable addition to consider. 

Personal Umbrella Insurance

Say someone is attempting to solicit something at your front door. You don’t answer but they slip and fall, injuring themselves as they turn to walk away. Realistically it is their fault, they shouldn’t be on the property and you have no true legal responsibility to the matter. The problem arises if they attempt to sue you. Yes, you’ll likely win, but you’ll also need to pay for an attorney, which is money you are out of. A personal umbrella policy protects you in this case and can cover these kinds of legal situations. 

Flooding Insurance

During the monsoon season around Green Valley, if you live in an area of heavy flooding, you might want to look into flood insurance as the ground simply is not able to absorb this kind of rainfall. 

There are several different insurance options available when protecting your home investment. Depending on what you are in need of these insurance options may change. At Insurance Center of Green Valley, AZ, you can find an assortment of insurance additions to consider. With a team of professionals at your side, we can help identify possible insurance coverage options that will better protect your property in the amount of money you can afford. 

Green Valley, Arizona is a small town not far from the bigger city of Tucson but has some lower temperatures, even in the summer.  However, it still gets pretty hot in Green Valley during Monsoon Season so we’ve outlined a few ways you can save on energy costs during the hottest months of the year.  

1.  Go Solar

Solar energy is green energy.  If you own a home in Green Valley, AZ you could consider putting solar panels on your roof to generate the power needed to run your air conditioner all summer long.  Solar energy will significantly decrease or eliminate your summer electric bill, depending on the number of panels you have installed.  

2.  Install Solar Shades on Windows

By installing sun shades on all your windows, you can decrease the amount of sunlight that penetrates your home through windows.  This will help keep the temperature in your home cooler without having to compromise on light.  

3.  Get an Energy Audit

To find out how your property in Green Valley, AZ doesn’t pass the Green Test, have a professional energy audit. These experts will come to your home and examine every way you could be losing energy – and money – and recommend ways to improve upon their findings.   

At Insurance Center of Green Valley, we provide reputable agents who serve the Green Valley community. Our experienced agents can answer all of your questions about insuring your home in Green Valley. Call us today at Insurance Center of Green Valley at 520-648-1150 to talk with a friendly team member.  

Many people dream of the day that their home is paid off. However, when that day finally comes, you may have one important question. Do your home insurance needs change once your home is paid off? After all, you are not required by the bank or lender to carry home insurance any longer once you have paid your debt to them. Here is a bit more information you may want to know about this topic.

Can You Afford to Replace Your Home?

When you are wondering if your home insurance needs change once your home is paid off, you need to consider your financial situation. For most people, their home is their largest asset. If the home that they just paid off were to burn to the ground or become severely damaged, they would not have the money to simply buy another one and have that one paid off, or if they do, it would severely impact their retirement or financial situation. Home insurance covers the value of the home in case something like this were to happen, helping to give people peace of mind. As such, most people should still carry home insurance, even if their home is paid off. And regardless of whether the home is paid off or not, you should have enough insurance that you can replace the home and the items inside if the worse case scenario were to happen to your home.

Regardless of whether your home is paid off or not, Insurance Center of Green Valley would love to help you with your home insurance needs. If you need home insurance in the greater Green Valley, AZ area, our agents would love to talk to you about your needs and draw up a policy that is ideal for your situation. Give us a call to get started today.