Author Archives: AgentInsure

Should I Notify My Auto Insurance Carrier When I Move?

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When you move, you have a thousand things on your mind. You have to consider everything from where to put the furniture to how you’ll even get it through the door. You have to make sure that your medications are readily available even during the transport of all your things. You also have to update different parties about where you’re going and why.

One thing that can easily be forgotten in all the chaos is your auto insurance carrier. If you live in Green Valley, AZ and you’re wondering if you can just let your change of address form take care of everything, Insurance Center of Green Valley is here to give you the facts. 

Yes, You Have to Tell Your Insurance Carrier 

Your insurance is determined by where you park your car and where you drive, which means that you need to tell your insurance carrier when you move. Everything from your rates to your policy requirements might change based on where you’re going. If you’re moving across the street from where you are now, there likely won’t be much of a difference when you update your carrier. However, you still need to let them know. Otherwise, you risk a lack of coverage based on the original information you have them. 

Call for Help

Even when you’re feeling overwhelmed by a move, you have to remember how your relocation will affect one of your most precious possession. If you’re moving either to or from Green Valley, AZ and have questions about the right path for you, give Insurance Center of Green Valley a call today. We can help you get the right auto insurance policy that will keep you protected no matter where you are. 

When does an Arizona business need commercial insurance?

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Those that are in the Green Valley, AZ area and want to start a business could find that this area offers a lot of potential and opportunity. When you are going to start a business here, you will want to make sure that your organization is properly covered by insurance. When you are a business owner in Arizona, there are several reasons why you may need to have commercial insurance.

Provides Valuable Coverage

There are many forms of beneficial insurance coverage that come with commercial insurance. When you have commercial insurance, you are going to have coverage to protect your business assets and you will have liability insurance. This could help to protect your investment in your company and ensure you receive necessary protection against liability risk. Ultimately, this could help to keep your business solvent.

Ensures Insurance Compliance

You will also want to have a commercial insurance policy because it will ensure you remain in compliance with all of your insurance requirements. Any business owner that has taken out a loan or has outside investors will likely have commercial insurance requirements. When you get a full insurance policy for your business, you will have the coverage in place that you need to comply with your obligations. 

There are several reasons why a business in the Green Valley, AZ will need to have commercial insurance. When you would like to learn more about your commercial insurance and need some guidance in picking a policy, you should contact the Insurance Center of Green Valley. The team at the Insurance Center of Green Valley will be able to answer any questions that you have when it comes to insuring and protecting your business. This can help you then pick a policy that offers the right protection. 

Three things to remember when you’re on the market for the right home insurance policy

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Purchasing a home insurance policy is an important step in buying a home in Green Valley, AZ. At Insurance Center of Green Valley, we provide home insurance options for area residents.

There are some key things you need to remember to select the optimal home insurance policy for your needs. The following are three things to remember when you’re on the market for the right home insurance policy.

You need to factor home insurance premium payments into your budget.

Your home insurance premiums will be an ongoing expense. It’s important that you calculate your budget and make sure that you can afford this expense. If your home insurance premiums will be difficult for you to pay, you need to cut expenses somewhere. 

You may be able to enjoy reduced home insurance premiums by making safety improvements.

One thing that any homeowner should look into before purchasing a policy is whether or not they can bring down their insurance costs by making home improvements. Home insurance providers will often lower premium costs if updates are made to a home that reduces the chances of injury. 

You should periodically review your policies to see if you want to make any changes. 

Don’t forget about your home insurance after you purchase your policy. Your home insurance needs can change over time, so it’s a good idea to reevaluate your home insurance needs on an annual or periodic basis. See if you can reduce your coverage for lower premiums or if you need more coverage to protect your assets after some time has passed since you first bought your policy. 

If you’d like to explore Green Valley, AZ home insurance policies, get in touch with us at Insurance Center of Green Valley. We’re happy to answer all your home insurance questions!

What are the benefits of auto insurance in Arizona?

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Anyone that is in the Green Valley, AZ area would benefit from having a car. When you have a vehicle here, it will be much easier for you to get around town. While a car will provide you with a lot of conveniences, there are also a lot of responsibilities that come with it. One task that all people in the area need to do is get a quality auto insurance policy. There are several benefits that you will receive if you get a quality auto insurance policy.

Protection for Liability

One of the benefits of getting into an auto insurance policy will be that you can receive protection for liability. Anyone that drives a car will always run a small risk that they could cause an accident. If you do cause an accident, it will be up to you to cover damages. Fortunately, with a liability insurance policy, you will have protection against this risk.

Covers Vehicle

You will also benefit from getting an auto insurance policy as it can cover your vehicle. If your vehicle is damaged or stolen, the repair or replacement costs can be significant. Fortunately, with an auto insurance policy you can receive coverage for these expenses. 

As you are shopping for a new auto insurance policy in the Green Valley, AZ area, it would be a good idea to reach out to someone that you can trust. A great source of information to reach out to when you need a new insurance policy is the Insurance Center of Green Valley. As you call the team at the Insurance Center of Green Valley you can learn a lot more about the options available to you. This will ensure you get into a proper policy that gives the right protection. 

3 Ways to Protect Your Small Business from Disasters

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With natural disasters steadily on the rise, small business owners in Green Valley AZ need to be prepared for any eventuality. These tips from Insurance Center of Green Valley can be helpful in protecting your business from disasters.

Assess Your Risks

Assess the risks your business faces so you can prepare in advance. Arizona is prone to severe storms, flash floods and wildfires. If your business in Green Valley, AZ is at risk of these or other disasters, make a plan for how to minimize disaster damage or handle the fallout. Commercial property coverage can help compensate you for disaster damage to your business location, equipment and products. For protection against floods, however, you’ll need to purchase a separate flood policy. 

Prepare a Disaster Evacuation Plan

Prepare a plan for evacuating customers and employees safely from your business in the event of a disaster. Make sure your employees are familiar with evacuation routes and exits. Conduct evacuation drills to ensure your workers know what to do in a disaster.

Secure Your Business Assets

Review your commercial coverage to ensure it’s up to date and offers the protection you need against disasters. In addition to property coverage, you may want to obtain business interruption insurance to cover lost revenue and other essential expenses if your company has to close up shop temporarily due to disaster damage.

Having an up-to-date inventory of business equipment and products can help facilitate a claim, if needed, after a disaster. You should also ensure all-important business data to include financial records, customer records, and data on employees is backed up in a safe location to avoid loss in a disaster.

Commercial insurance should be a key component of disaster preparedness for your small business. To update your commercial policy, contact the Insurance Center of Green Valley.

When To Shop For New Homeowner’s Insurance

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Homeowner’s insurance is an important investment you make into your home. Many people think that homeowner’s insurance is something you deal with once and then forget it. It is wise to take a look at your homeowner’s coverage often to make sure you are getting the best deal and your home is insured properly. At the Insurance Center of Green Valley, serving Green Valley, AZ, we love to help our clients better understand important insurance topics such as this. Keep reading to learn when to shop for new homeowner’s insurance. 

Annually 

It is recommended to shop around for a better rate on your homeowner’s insurance annually. In most cases just letting your current policyholder know that you are shopping around is enough to encourage them to offer you a better rate. There are also other factors that can affect the rate of your homeowner’s insurance so re-evaluating once a year is a good time to see if you qualify for any new discounts. 

After Home Improvements

If you have completed home improvements, then you will definitely want to shop around for new homeowner’s insurance. When the value of your home increases substantially, you will want the coverage to increase as well. Your previous coverage may not cover the new value of your home in the event of damage. It is best to sit down with an insurance representative so that they can properly evaluate the new coverage needs. 

After A Divorce

If you have been awarded your home in your divorce, you need to make sure that the insurance policy is in your name. This is a good time to shop around for the best rate as well. 

If you would like to learn more about homeowner’s insurance, please contact our friendly staff today at The Insurance Center of Green Valley serving Green Valley, AZ today. 

Auto Insurance Add Ons

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There are all kinds of insurance add ons you absolutely need to consider when it comes to your vehicle. These different forms of insurance will help specialize your auto coverage and ensure you have the kind of protection you need. But what auto insurance add ons are right for you? We at the Insurance Center of Green Valley are here to help you find this out. So, if you live around Green Valley, AZ, here are some of the add ons you need to know about. 

Personal Injury Protection

PIP coverage is an add on the form that will help you with health coverage if you are injured. Health insurance doesn’t always cover all auto injuries and if you are in a serious accident this does become expensive. PIP can help you with this. 

Roadside Assistance

You never know when you might have a flat tire or some other kind of problem with your vehicle. With roadside assistance help will be a simple phone call away, all for a small monthly payment. 

Uninsured Motorist Insurance

If you’re involved in an accident with an uninsured motorist it isn’t your fault they don’t have insurance. And yet, because they drove without insurance it leaves you exposed to paying out of pocket. To help you avoid this, uninsured motorist insurance is a coverage you should consider. 

Protect Yourself With The Right Auto Insurance Add Ons

There are so many insurance add ons available it is difficult to know what to opt for. That is why our staff here at the Insurance Center of Green Valley is here to lend a helping hand. So, instead of guessing blindly at the insurance coverage right for you, let our staff help you out. If you live around Green Valley, AZ, we are just a phone call away. 

Why Does an Arizona Business Need commercial insurance?

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Those that are in the Green Valley, AZ area may find that it is a great place to own a business. If you are going to start a company in this area of the state, you should carefully consider your insurance needs. There are many reasons why you may need a commercial insurance policy for your business. 

Required by Lender and Investors

One reason why an Arizona business will need commercial insurance is that it can be required by its lenders and investors. To start a company, most business owners will need to raise capital from outside sources. Whether it is a bank or investor, you will need to comply with their insurance requirements. Most of the time, your bank or investor agreements will stipulate the type and level of coverage you need, which will help to protect their investment. 

Required by Law

Another reason why you may need commercial insurance is that it can be required by law. In Arizona, many business owners are required to carry worker’s compensation insurance. When you have this form of insurance, it will help to ensure that your employees are covered by insurance if they are injured while working on the job. When you get a full commercial insurance policy, it can provide this form of coverage.

Picking a commercial insurance policy in the Green Valley, AZ area is a very big decision. Due to this, companies that are in this area should reach out to the Insurance Center of Green Valley to discuss their insurance needs. When you do call the Insurance Center of Green Valley, you can learn a lot more about all of your company’s insurance needs. They can then help you to get into a policy that provides the right coverage for your company. 

What isn’t covered by home insurance

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Owning your own home is part of the American dream. When you own a home, you have a lot to worry about. One of the things that can help allay your homeownership worries is home insurance. It is the security blanket that protects your investment from all the bad things that can happen. But does home insurance cover everything? The answer is no, a basic home policy doesn’t cover everything. At the Insurance Center of Green Valley in Green Valley, AZ the experienced team can help you to understand the importance of having the right home policy for you and your home. 

Flooding is probably the most common item that homeowners may not realize is not covered under a basic home insurance policy. As many as 41 million homes in the United States are in danger of damage from flooding. While flooding is not a common occurrence in Arizona, it has happened with devastating results. 

Earthquakes are also not covered by a typical home policy. The risk in Arizona is low, there has only been one earthquake over a  magnitude 7 but it is best to know what you can expect if one should happen.

Sewer backup is not covered by most home insurance policies unless it is specifically listed. It is always a good idea to actually read your home policy to see the exclusions. 

Expensive jewelry is likely under covered. Home policies have stated limits on jewelry and they are not very high. If you have an engagement ring, it may be worth more than the limits of your policy. 

Knowledge is power. Understanding what is covered by your home insurance policy and more importantly what isn’t covered is vital for your peace of mind. Give the office of the Insurance Center of Green Valley in Green Valley, AZ a call or stop by to talk to one of their team about your home insurance policy or needs. 

Tips for Choosing Car Insurance Options

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When you meet with your representative at the Insurance Center of Green Valley, we take the time to help you understand your auto insurance options in Green Valley, AZ. That’s the time to make sure that you understand the state insurance requirements for bodily injury and uninsured motorist coverage. In addition, ask about the most common insurance options that can protect you and your vehicle, including the following.

Bodily Injury Liability

This applies to injuries that you or a covered driver on your insurance cause to another person. You can opt for higher coverage if you think you are likely to be sewed for high amounts.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage pays the expenses when a covered driver experiences a hit-and-run or if an uninsured driver hits your vehicle. Underinsured motorist coverage protects you from a driver whose insurance maximum doesn’t cover the cost to repair or replace your vehicle. It may also cover you if you get hit by a vehicle while acting as a pedestrian.

Property Damage Liability

This coverage pays for you or someone on your insurance cause to someone else’s property. It typically includes damage to poles, lamp posts, buildings, fence, and other structures you hit with your car.

Collision

Collision insurance pays for damage to your car when you collide with another vehicle or flip your car. If you aren’t at fault, your insurer may go after the at-fault driver’s insurance.

Comprehensive

This coverage pays for loss or damage due to a non-collision covered event. This may include falling objects, a fire, missiles, explosions, deer, windstorms, vandalism, and riots, among other covered perils. 

Contact the Insurance Center of Green Valley to make an appointment for a free quote on all your car insurance options in Green Valley, AZ. We would love to meet in person to discuss all your insurance needs.