Monthly Archives: February 2019

Does My Commercial Coverage Include Vandalism?

Posted on by

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

Posted on by

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.