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

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

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?

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

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

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. 

 

What Auto Insurance Do I Need?

For those that are in the Green Valley, AZ area, owning a car is practically a necessity. If you do have a car in this area, it is important that you have it properly covered by insurance. Since there are so many different options out there today, picking the right policy can be hard. There are several factors to consider when you are trying to find the right insurance for your situation.

Bare Minimum Requirements

Both state law and auto insurance lenders will require that you carry auto insurance. Per the state guidelines, you will be required to have minimum liability coverage of at least $10,000 in property damage coverage with $15,000 / $30,000 for bodily injury coverage. If you have an auto loan, your lender will undoubtedly require that you have collision and comprehensive coverage in place as well with a coverage level sufficient to cover your loan amount.

Additional Coverage

In many situations, you may also want to have additional coverage on top of your base requirements. If you do not have a loan or lease on the vehicle, having collision and comprehensive coverage is still often preferred as it will pay to replace your car in a variety of situations. Further, the state mandated liability coverage levels are not normally recommended as they do not often provide adequate coverage. 

If you are in the Green Valley, AZ area and are in need of auto insurance for your car, you should reach out to the team at Insurance Center of Green Valley. The Insurance Center of Green Valley knows the law and other auto insurance requirements. Their experience and insight will help you to decide what type of insurance you should get and how much coverage you need. This will result in you getting the appropriate level of protection. 

How to Protect Your Home when Traveling for the Holidays

Whether you simply plan to spend the holidays with family in Phoenix or across the country, it’s important to make sure your home is protected while you are gone. While your home insurance covers such things as theft and fire, you surely don’t want to experience a disaster like these during the holidays. For that reason, here are some simple tips to follow to keep your home safe while you are away enjoying the holidays with friends and family.

1. Hire a House Sitter

When you hire a house sitter, your house will not be vacant while you are away. This is a great deterrent for would be thieves who may be roaming around Green Valley AZ neighborhoods looking for vacant houses to rob.

2. Install a Security Device

Another fool-proof option for protecting your home while you are away is to install a security device. In some cases, your insurance company may even reward you with a break on your premium if you have one of these installed. 

3. Ask a Neighbor to Check on Your Home

A friendly neighbor should be happy to help you out while your away. They can collect your mail and in general, just keep an eye out for anything suspicious. Even if you have a security device, having a neighbor keep an eye on your property while you are away is always a good idea. 

At Insurance Center of Green Valley, we specialize in helping Green Valley, AZ residents protect their homes by helping find the best home insurance policy for their property. Our team of experts will help guide you through the home insurance buying process by helping you compare quotes and choose the best policy. Call us today. 

 

Got an Older Car? Should You Drop Full Coverage and When?

At Insurance Center of Green Valley, serving the greater Green Valley, AZ area, we are often asked whether you should drop full coverage when you have an older car. This is challenging question to answer, as everyone’s situation is different. Here is some of the advice that may help you decide whether you should drop full coverage and when if you have an older car. 

Can You Afford to Replace Your Car? 

When you are deciding whether or not to drop full coverage, you should always pay close attention to whether you can afford to replace your car at the present moment. If your car is totaled and you are at fault or your car is stolen, you will not receive any money for your car if you don’t have full coverage. If you cannot afford to replace your car or put a down payment down on another vehicle, it may be worth keeping full coverage auto insurance. 

How Much Are You Really Saving?

Another important factor to consider is how much you will really be saving. Most people think that they will save a significant amount of money by dropping full coverage insurance. This may not always be the case. Compare the cost of both types of insurance to learn how much you can really save before making a decision. 

Is It Worth the Risk?

Lastly, you have to consider the risk. Not having full coverage is a gamble of sorts. For some people, the savings is worth the risk and for other people, it is not. Always consider the risk and your comfort level when making a decision. 

Deciding whether or not to drop full coverage insurance on your older car is a personal decision. If you are interested in obtaining a new auto insurance policy in the greater Green Valley, AZ area, whether it be full coverage or not, Insurance Center of Green Valley can help you. Contact us now and let us help you find the policy that is best for you. 

Three Priorities of Commercial Insurance

Some people planning to start a small business might not realize they need commercial insurance. If business owners do understand the importance of it, they still may need more information about what their policy should cover. Insurance Center of Green Valley encourages you to keep the following three commercial insurance priorities in mind:

  1. Coverage for data breaches – Only about a third of small U.S. small businesses in 2017 had cyber insurance coverage in case of a data breach, but one in 10 of them suffered hacking of their computer systems. Since much of what a business would complete on paper is now performed in the Cloud, your Green Valley, AZ recommends cyber insurance.
  2. The inclusion of your building, equipment, and supplies – Take a careful inventory of all that you rent or own including the building where you serve clients. It could reduce the stress associated with losses and damages that can diminish your profits. This might include protection in the event of a fire, flood, theft or other unfortunate circumstance if you request it. You also may need commercial vehicle insurance.
  3. Provisions for liabilities to others – Make sure your policy pays out enough to cover employee injuries or damages to client property. Prevent financial loss from customer slips and falls and other unexpected incidences, too.
  4. Your Green Valley, AZ insurance agent wants you to continue operating your business without excess financial strain. Don’t hope for the worst, but prepare just in case. Feel free to discuss with a representative about how much money your policy should pay in specific scenarios, for instance.

Contact us, your Insurance Center of Green Valley for more information about commercial insurance or any other coverage you need.

 

What Does Home Insurance Cover in a Severe Storm?

Severe storms can cause an extreme and even devastating level of damage to houses and other property, as people in regions affected by those storms know all too well. Here are some details about home insurance coverage for severe storm damage. These guidelines are brought to you by Insurance Center of Green Valley serving Green Valley, AZ.

Heavy rains can bring flooding and other problems, and oftentimes that flooding can cause some serious damage to homes. A separate flood insurance policy might be necessary, but in certain circumstances, home insurance may cover damage from rain.

Powerful winds from severe storms can do a tremendous amount of damage. They can blow trees down, which can fall into homes and other structures. They can also blow shingles off roofs and do a variety of other damage. Home insurance can cover many types of damage caused by wind, depending on the specific details of a particular policy.

Many factors can affect what home insurance coverage you need that helps with recovery from severe storm damage. Those factors include your location, such as if you are at or near an area that is prone to severe storms. Keep in mind that any area can experience severe storms at one time or the other. There are various levels of coverage with insurance policies, and each policy has certain limitations.

But if it looks like you will need home insurance coverage for severe storms, make sure you have that in place well before any storm hits. Also look into flood insurance, especially if you are in an area that is prone to flooding. If you need assistance with your home insurance questions, feel free to contact us at Insurance Center of Green Valley serving Green Valley, AZ.