Going to the office via public transportation can put you at risk when you are carrying a laptop. Your personal laptop may be lost, stolen or damaged during the trip, especially if you are taking a bus or must move around during the trip. Although your employer’s commercial insurance may help pay to replace the laptop if you use it for work, it is possible that your home insurance in Green Valley, Arizona will also cover the costs.

Making a Claim

You may or may not be covered for the electronic device if you take it out of the home. In many cases, insurers will provide some coverage if you carry it with you on your commute, but the amount of coverage available may vary.

Making a claim begins after you review your policy and determine how much coverage you have available on you plan. Depending on your current plan, you may obtain the replacement cost or you may obtain the cost of the laptop after depreciation.

Alternative Options

If you are not covered under your current policy, then you may have alternative options available. Employers may have coverage under a commercial policy due to the fact that you were bringing the laptop to work. A policy that specifically protects your laptop may also be an option if you are worried about losing it in a commute.

Replacing your electronic devices after they are lost, stolen or damaged during your trip to the office can seem complicated, but insurance may provide some protection. Contact the Insurance Center of Green Valley to talk to an independent agent for more information about your options.

Here at the Insurance Center of Green Valley, each independent agent on our staff takes pride in providing unbiased and expert advice for all of our customers throughout Green Valley, Arizona.

Our company can provide comprehensive coverage for your home. A homeowner policy from the Insurance Center of Green Valley could possibly provide coverage in the event that damage is caused to your home by Mother Nature.

For example, if you have pipes in your basement that are starting to show cracks or other signs of damage from a root infiltration, you’ll want to know what your options are. At the Insurance Center of Green Valley, we’ll have all of our customers from Sahuarita to Tucson and the rest of the surrounding area covered.

One possible solution to a root infiltration problem would be to get a perma liner installation completed on your home. If you didn’t know about the root problem when you bought the house, it’s possible your current homeowner policy does not provide you with the coverage that you need. A perma liner installation will take the steps necessary to ensure that the inside of your house is kept free from threats outside of the house.

Call an independent agent at the Insurance Center of Green Valley and we can discuss a specialized policy that will fit your unique needs. The right policy might cover everything from the perma liner installation to the repair of any cracked pipes and the removal of the roots or other foreign objects that have crept into your home. But you won’t know for sure unless you call today.

During a fugitive chase, police may shoot at the suspect to attempt to prevent injuries to the public. Unfortunately, that may mean that your boat can be lit up by gun fire if you happen to be in the wrong place at the wrong time. Depending on the situation and the location of you boat, your homeowner insurance policy may offer some protection for your vessel in Green Valley, Arizona.

The Location of the Boat

Depending on where the gun fire takes place, it may or may not be covered under your home policy. If your boat is damaged during a chase through your neighborhood and your ship is in the front yard, then you may be able to make a claim on your homeowner’s policy. On the other hand, if your ship was on the water at the time, then you may need to make a claim through your boat’s insurance policy.

Coverage Amount

If you make a claim through the policy on your home, then the amount that you have available may be limited. Insurers have limitations on how much you can claim for property based on the amount of coverage you have on your house.

In many cases, the coverage amount will be limited to a percentage of your home’s value. The exact percentage may vary, so review your policy to determine if you are covered and how much you can claim for your boat.

Damage to your ship can be stressful and expensive, but solutions are available if authorities hit your boat while chasing a fugitive. Contact the Insurance Center of Green Valley to talk to an independent agent for more information about protecting your boat.

While it is not very likely that you will get a big snow storm in Sahuarita or Tucson, Arizona, it is not uncommon to get a winter storm with strong winds and rain in the Green Valley area of the state. If one of those winter storms should strike and knock out all your power, you may want to pack up the family and find temporary lodging in a nearby hotel.

Living without electricity is certainly an inconvenience, but in most circumstances, your Arizona home insurance policy will not cover the cost of your hotel room. Most homeowners policies do contain a provision, or you can add a rider, that will provide reimbursement for loss due to an extended power outage. You may be compensated for food spoilage and even for damage to your electronic equipment.

However, each home insurance policy and provider is different. While one insurance company might be more lenient and cover the costs of a hotel room after 24 hours without electricity, another might not honor a claim until 5 days have passed since you first were without power.

Personal circumstances, such as having a sick or elderly parent in the home may be taken into consideration by your home insurance provider. If you, or someone in your household relies on electricity to operate important medical equipment, your circumstances may be considered serious enough to get reimbursed for the cost of a hotel room.

It is important to review your insurance policy before a situation arises where you might need to temporarily move away from your home. If you have any questions about these matters, please give us a call. An independent agent will be able to answer your questions and possibly add a rider to your current home insurance policy to provide this extra protection.

Buying renters insurance for your Green Valley, Arizona apartment is almost always a good idea. Renters insurance is very affordable and it will help cover damage or loss to your personal possessions.

If someone breaks into your apartment in Sahuarita and steals your television and laptop computer, you can file a claim with your insurance company. If you suffer a kitchen fire in the apartment you are renting in Tucson, renters insurance will compensate you for your burnt curtains and any other personal contents in your home. Appliances that came with the apartment are usually covered by the landlord’s insurance policy, but may also be covered by your renters insurance.

When your lease ends or you vacate your apartment for some other reason, you are entitled to get your security back from the landlord. As long as there is no damage to your apartment, beyond normal wear-and-tear, you usually will have your deposit returned within a week or two after vacating the apartment.

Your landlord is permitted to keep part or all of your security deposit if you damaged the apartment beyond the general definition of normal wear-and-tear. If, for instance, you put a bunch of holes in the wall, or your dog had a few accidents on the carpet, a part of your security deposit may be used by the landlord to make the repairs and clean the carpet.

Your renters insurance does not cover any damage you do to the apartment. You can not use it to pay for the damage so you get all of your security back. To find out more about renters insurance, please give us a call. An independent agent can answer any questions you may have and find you a very affordable policy.