Renting an apartment, condo or house can be a smart financial decision, but that does not mean that you want to avoid insurance coverage. Renters insurance can help limit your financial risks by ensuring that you can replace your personal belongings when a disaster occurs or that you will have liability protection in case an accident occurs. It can also pay for your living expenses when the property is no longer livable for any reason.

Comparing Options

When you are looking for renters insurance that is affordable, you should start comparing your options early. The best options depend on your goals and plans, but rates can vary widely between insurance providers and the specific policies that you are considering.

Your Personal Details

Generally, your personal details will play a role in the options that you are provided. If you have a good credit score, then you are more likely to get a low rate. Any details related to previous insurance policies, such as homeowners or a renter’s insurance plan, may also contribute to the rates that you are offered.

The Risks

Along with the details that relate to your personal information, you should also be aware of the potential risks that may be associated with the property. When a building has a greater number of risks, it is likely that your rates will increase. Liability is part of the basic policy, so having a pool or stairs can increase the risk of an accident and may also increase your rates.

There are a variety of policies that can help you avoid unnecessary financial challenges when you rent a space, but the rates can vary based on a variety of factors. To learn more, contact us to speak to an agent today.

When you buy life coverage, it can raise concerns about the additional expense. Although life insurance may have options that are expensive, there are also affordable plans and options in Catalina Foothills, AZ.

Type of Policy

A key factor that impacts the price of life coverage is the type of policy that you decide to purchase. Generally, a term life plan is less expensive than other policies. Furthermore, a whole life policy may cost more than you want to pay because it carries forward for your entire life.

Select a plan that is appropriate for your needs, particularly if you have a strict budget. For example, a term-life plan may be a good short-term solution when you want to protect against possible accidents, but it may not be appropriate if you have a chronic illness or similar problem.

Your Personal Details

Along with the type of policy, your personal details can also impact your rates. For example, an individual who is young and healthy may not face any problems when it comes to coverage. On the other hand, if you are getting older or have a chronic illness, you may not qualify for certain types of plans or you may be charged more for coverage.

Since your personal details can vary, the cost of coverage will also change. Over time, you should expect that your costs will increase because age plays a role in the risk that the insurance provider is taking.

There are several factors that impact the rates that you are offered when you buy life insurance; however, you can find affordable options if you compare the different plans and clarify the type of policy that you want. To learn more about life insurance and your options, contact us to talk to an agent today.

Owning a small or mid-sized company means that you have many responsibilities that you must consider. Finding the right insurance company to protect your business in Arizona can be an essential part of avoiding any complications that may otherwise arise. The coverage, policies and options that are appropriate for your needs may vary, but having a company in mind can help with the process of finding the right coverage.

Determining Your Needs

Every business is different, so your needs will depend on the situation and the type of industry that you serve. For example, if you have employees, then you will need to purchase a worker’s compensation policy. When your business owns property, you should purchase coverage for the property.

Liability coverage may be appropriate for most businesses, but the type of plan that you need will depend on your services and the type of industry that you work in.

Selecting a Company

The insurance company that is most appropriate for your needs and goals will depend on the coverage that you want and the concerns that you may face.

You should always take time to research the company before you finalize a policy. Read about the complaints that other individuals have raised and evaluate the situation. In some cases, complaints may not be related to the services or concerns that you want to address; however, understanding the company can help you avoid any unnecessary challenges and protect your business with the right policy.

You have different needs, goals and concerns as a business owner, but insurance can help you avoid unnecessary problems. By obtaining the right policy and comparing the different insurance providers, you can protect your business and company assets. To learn more about protecting your business, contact us to speak to an agent today.

When you are looking at an insurance policy in Flowing Wells, AZ, it is important to understand any regulations or requirements that are set by the state. Depending on the type of insurance policy that you are considering, the requirements and standards may vary.

Auto Coverage

Insurance coverage for your personal vehicle is a requirement of the state. You are required to purchase liability protection that will pay for property damage and bodily injuries in case an accident occurs.

The auto coverage standards may or may not be enough to address your concerns, so you should compare your options carefully before you assume that the coverage is appropriate for your goals. Standards that are set by the state are often limited and are limited to accidents that you caused. You may not be able to pay for damages to a personal vehicle with the basic coverage.

Other Types of Insurance

Other types of insurance, such as homeowner’s policies or boat coverage, may not have any standards that are set by the state; however, insurance coverage may be required by your lender.

A mortgage lender may ask that you purchase a policy for your house to protect the building and any land that is part of the property. The exact coverage requirements and standards can vary between lenders. You may also be asked to purchase a policy to protect a new boat or other assets that do not have strict standards set by the state laws.

Legal requirements associated with your assets and insurance coverage may be limited, but there are other factors that may impact the details of your policies and limit the options when you are looking for coverage. To learn more about protecting your assets with insurance, contact us today.

Buying commercial insurance in Tuscon, AZ is an important part of protecting your business; however, the type of coverage that you need and the plans that are most appropriate for your goals can vary. Recognizing your options can make it easier to select a policy that will protect your company.

Liability Protection

Regardless of the type of business that you run or the services that you provide, liability protection is an important part of avoiding any unnecessary financial strife. You are responsible for any accidents that take place on company property as well as the actions of your employees. Furthermore, you may be held liable for defective products or similar problems.

Liability protection can take many different forms including professional liability, property coverage or protection against defective products. You can also obtain a general plan that will protect against most situations.

Worker’s Compensation

If you have employees, then you need to purchase worker’s compensation insurance. The commercial insurance plan is designed to protect your employees in case they are injured at work and it ensures that your company can afford the medical bills associated with any injuries.

Property Coverage

Company property can be protected with an insurance policy that is designed for the building or other assets that your business owns. The property coverage will provide protection against theft, damages to the property from common perils or vandalism. Furthermore, you may be able to add coverage for business interruption to the policy if you are worried about lost income after a covered situation.

There are several policies that are designed to protect a business, but the exact coverage that you need and the policy that is best for your goals can depend on several factors. To learn more about your options, contact us today.

During the search for commercial insurance policies, you might feel like calling it quits–or running for cover–or going with the cheapest option you find, rather than sorting through the details of each policy. But finding the right policy for your business in Green Valley, AZ doesn’t have to be a pain in the neck. These tips will help.

1. Know what type of coverage you need.

If your company has commercial vehicles dedicated to making deliveries, servicing clients, or other business-related activities, you’ll need to purchase commercial auto insurance to cover them and any employees who drive them; you may also need (or choose) to purchase employee health insurance, professional liability insurance, product insurance, or home-based business insurance.

For a more in-depth overview of those options, the U.S. Small Business Association is a fantastic resource.

2. Find an insurance agent who’s willing to work with you.

As an independent insurance agent, we work with multiple insurance companies, so we’ll be able to compare quotes to help you find the best rate for your business. Regardless of which company you choose, make sure to find someone you trust who answers your questions honestly, knows exactly what is and isn’t covered on the policy in question, and asks questions about your business’s situation so they can suggest an appropriate policy for you.

3. Compare insurance quotes.

This might go without saying, but it’s well worth your while to get a few different quotes before deciding on a policy. When comparing quotes, read through the fine print, too–just because one policy’s premiums are significantly lower doesn’t mean they offer the best deal. Often, lower premiums mean higher deductibles–or less coverage. Do your homework (and consult a qualified agent) to make sure you’re not unpleasantly surprised later on.

No one ever wants to imagine that a devastating illness or injury could prevent them from working for any extended time, but according to the National Association of Insurance Commissioners (NAIC,) the reality as the Social Security Administration statistics show, one out-of-four 20 year-old today may become disabled before they reach retirement. U.S. Census bureau figures show that only 31 percent of Americans working in private industry have long term disability income insurance.

Why Have Long-Term Disability Income Insurance?

The Consumer Federation of America explains that long term disability insurance is just that – insurance to help you cover your essential living costs for the time you’re unable to work. Having a safety net that protects your salary by giving you cash to pay your necessary expenses like:

• rent or a mortgage

• food

• utilities

• car payments

Knowing that your disability income insurance will pay for these and other necessities can be a huge relief for anyone who suffers from a disabling injury or illness.

That security can pay for modifications to your home, if they are needed, help with daily activities like bathing and dressing, or cover expenses not paid by your health insurance policy. Without this extremely important financial buffer, you could easily use up all your savings, not to mention, face financial ruin. No one should discount the possibility that someday, they may need long term disability income insurance protection.

Figuring Out How Much Coverage You Need

As your independent agent serving the Green Valley, Sahuarita, and Tucson, AZ areas, we want to help you find the best long term disability insurance policy for your needs. Most long-term disability income insurance plans start paying benefits six months after you become disabled, and continue to pay you for anywhere from several years, or all the way to retirement.

We need to look at exactly how much money you’d need to cover your necessary bills and incidental expenses. We will add up all your monthly expenses and compare that with your income and any disability insurance you’d get from your employer. Then we add in money you have from savings and investments. We don’t want to overlook the possibility that your disability could add more expenses if you have to pay for medical costs not covered by insurance and other things.

Don’t take risks on your financial security and your family’s well-being. Contact us to talk about your options for long term disability income insurance. We’re here to help you compare prices and policies, and to make sure you find the best option for your needs.

Long term insurance is designed to meet the needs of Sahuarita and Tucson residents who want to provide for care beyond what their traditional insurance or Medicare policy will cover. Typical coverage for a long term care policy will include nursing home care and in-home assistance.

The main purpose of this type of coverage is to help you get the care you need if you are disabled or when you are elderly and no longer able to fully care for yourself. Many people do choose to apply their long term care policy towards nursing home care, and in most cases this is permissible. In general, a long term care policy will allow for a certain amount of money per day to be put towards the care chosen, whether it is nursing home cost or in-home care.

The size and type of the long term policy that you choose will have a great deal to do with whether or not the policy will be sufficient to cover the entire cost of the nursing home care. In general, you should expect the long term insurance to be a complement to other insurance types, rather than a stand-alone policy. You can select coverage that can include help with baths, dressing, and eating as well as help with mobility or more serious medical needs.

When you choose your policy, you should determine an approximate amount that you will need to have each day for your nursing home care and get a policy based upon getting that amount. Each policy will have a set maximum (anything from days to years) of time that it will continue to pay these long term benefits so be sure you are aware of the limit on your policy.

Long term care insurance policies can be completely different from one policy to another, so it is important to talk this over with your insurance provider and make sure that nursing home care will be covered by the policy that you select.

Don’t get caught without long term care coverage for your nursing home stay! Our insurance agents are ready to give you free comparative quotes right now, so don’t hesitate to contact us via phone or the website.