Although homeowner’s insurance isn’t required by law like auto insurance, mortgage companies often require it for those who have loans. Green Valley, AZ, Insurance Center of Green Valley recommends keeping a homeowner’s policy on the house even if the home is paid off to protect the owner’s asset. However, not every person requires the highest level of coverage, and sometimes the cheapest policy just isn’t enough.

1. Structure Home

One vital aspect of deciding on an amount revolves around what it would take to build a new house similar in structure and design. For instance, local construction costs and the square footage of the place will play a part. What the home is built of as well as the style of the home determines how much it would cost to rebuild. The number of rooms, especially bathrooms, in addition to any special features like fireplaces and arched windows affect the rebuilding price. A homeowner should keep in mind if any areas were custom built.

2. Whether Extras Are Needed

A person should consider whether extras not covered on a standard policy are beneficial. For instance, a homeowner who lives on a flat area or at the bottom of a hill may want to consider adding flood insurance.

3. Personal Possessions

An insurance policy doesn’t just cover the cost of the structure of the home itself and the sheds and other buildings outside. The policy covers possessions, so a person should take that into consideration when tailoring the policy. This is especially the case if the homeowner owns anything of value. A person should craft a list of all possessions in the home and how much it would cost to replace them. A person can expect 50 to 70 percent of the total valued to be covered on policy.

One of the most popular destinations for second home buyers, Green Valley, Arizona is known for its desert landscape and arid weather. Protecting your property asset and its contents from liability when you are away is easy with a homeowner’s insurance policy.

Property Investment Protection

Property investors buying a second home in Arizona will want to protect their investment. Hazard and liability insurance coverage are the minimum recommendations for second home owners. Standard homeowner insurance policies cover hazards to physical damage of property and possessions and liability associated with injury accidents of other parties on a homeowner’s property.

Hazard Insurance

Damages caused by natural disaster or physical elements on a property such as electrical or plumbing systems are covered in a hazard insurance policy. Hazard insurance policies may contain exclusion clauses denying guaranteed cost replacement of damaged homeowner property, as result of major earthquakes, or flood incidence. Supplemental coverage for natural disaster risk is usually available at a higher rate. Higher rates may also apply to registered historical properties. Liability coverage is also not included in hazard policies, so that accidents taking place on the property while the owner is there, or even absent, are not compensated in a claim.

Liability Insurance

Liability insurance compensates for medical payments to others, and personal liability when someone is harmed on the premises of your property. Personal liability covers personal injury, or legal fees when an owner holding title is sued by another party injured on their property. Standard liability coverage in Arizona is $100,000 up to $1 million depending on the features and location of a home.

Deductible

Homeowner insurance deductibles start at $500 and are increased depending on the type of insurance coverage.

For information about homeowners insurance, contact a broker in Green Valley, AZ.

In addition to being required by law, many people look ti purchase an auto insurance policy to protect a valuable investment. Auto insurance will help to alleviate some of the financial strain that could accompany having to buy a brand new car. Anyone who has had to insure multiple cars or had to purchase auto insurance in more than one location knows that auto insurance rates will vary. What are the factors that go into determining the insurance rate that someone has to pay? This important information is detailed below.

First, an auto insurance policy will always take into account the driving record of the prospective customer. People who have accrued more speeding tickets or more accidents are more likely to be involved in a car crash that could cost the company money. Therefore, companies will hedge this risk by charging a higher insurance rate.

Next, auto insurance companies will also consider the person’s credit score. A credit score is important because it details the fiscal responsibility of the potential customer. Someone with a higher credit score is more likely to pay their bills on time. The company will reward this score with a lower insurance rate.

Finally, the level of coverage will also influence the auto insurance rate. A liability-only policy covers significantly less than a comprehensive policy and therefore comes at a lower rate. Of course, this sacrifices coverage to save the customer money.

These are only a few of the many factors an insurance company will take into account when calculating an auto insurance rate. For people of the Green Valley, AZ area looking for auto insurance, contact an experienced insurance agent for more information. A professional agent was serving the Green Valley, AZ area will ensure that everyone has the proper policy to meet their needs.

A type of insurance that confuses many, commercial coverage is a great option for business owners and even self-employed professionals of all kinds. Are you considering purchasing a commercial policy, but need a bit more information before signing on? You’ve come to the right place.

Faster Disaster Recovery

Although Arizona is a relatively safe state as far as cataclysmic natural disasters are concerned, there is always the possibility of something serious an unexpected occurring. No matter if it’s an earthquake or an issue caused by one of your staff members, purchasing commercial insurance will ensure that you have help in place when you need it most.  In other words, there will be considerably less downtime than if you wait until the disaster occurs to find the resources to fix it.

Umbrella Coverage Options

Moreover, with the option to opt for umbrella commercial coverage, you will enjoy the ability to manage all aspects of your business under one policy. To top it off, purchasing umbrella packages also allow for discounted rates. This will not only save you time but it will save you quite a bit of money as well.  

Personalized Coverage

Lastly, no matter what your reason may be for purchasing commercial coverage, a qualified agent can assist you. From protecting your expensive equipment to your employees themselves, personalized coverage will allow you to craft the perfect policy so that you feel comfortable that every facet of your business is safe and secure.

Are you looking for quality commercial insurance in Arizona? The Insurance Center of Green Valley has everything you need. Contact them today and find out how you can save!  

Bicycle safety tips and bicycle awareness can help to avoid accidents. There are three things to consider, which are preparation, awareness, and sharing the road.

Preparation
It is important that a bicycle is well maintained and that the rider wears the proper safety equipment.

Proper safety equipment includes:

• Helmets for all riders
• Child seat with safety belt (if a young child is also riding on the bicycle)
• Horn or bell to use to get attention from other drivers when needed
• Reflectors
• Safety lights for both headlight and taillight
• Light-colored, reflective clothing
• A full water bottle to avoid dehydration that has a secure mount
• A cell phone to call for help if needed

Make sure the bicycle is big enough, but not too big, and adjusted to fit the rider’s size. Maintain spokes, wheels, tires, brakes, gears, pedals, seat, and handlebars correctly, so they are working properly and positioned correctly.

Awareness
Bicyclists need to be aware that other drivers may have difficulty seeing them. Common dangers are drivers suddenly opening the door of a parked car, drivers not seeing a bicycle crossing an intersection, and obstacles in the road. Look ahead and use defensive driving skills to try to anticipate what may occur. Watch out for water, potholes, gravel, sewer grates, and covers.

Share the Road
Automobile drivers need to share the road with bicyclists. They should slow down when approaching a bicycle rider and only pass them when it is safe to do so. Do not honk at a bicyclist because it may startle them and pay careful attention to children who may be unpredictable.

Summary
By following these tips, bicyclists and automobiles can share the roadways in a safer manner. Be sure to get adequate insurance coverage from the folks at Insurance Center of Green Valley who can help with all your insurance needs.

Commercial insurance policies are very important to have if you have a commercial business. Choosing the right one can be a daunting task. That is why we are proving you with some tips on how to choose the right commercial insurance policy for your needs. 

• Remember that cheaper is not always better when it comes to insurance. Do not get lured in by a lower price. When you see a lower price, that may be for a variety of reasons. It could be because the insurance provider is not very reliable or it could be because the policy does not offer the coverage that you need. Because of these reasons, it is best to steer clear of the cheaper prices just because they seem to be a great financial option.
• Take a look at your business to see what kind of coverage you really need. The last thing you want to do is purchase commercial insurance that will not meet your needs in case of an accident. You also do not want to get too little if your business is growing. Take a look at your current business as well as the future and account for both.
• Think beyond the basics and cater the insurance policy to your business. Consider a business owner policy or a commercial insurance policy that includes a variety of different coverage types. The exact coverage you need will depend on the type of business you have. There are a lot of different kinds of insurance policies available and you want to make sure you have protection for all parts of your business. 

For more information about commercial insurance policies or with assistance with getting a commercial insurance policy, please contact us at Insurance Center of Green Valley.

Insurance Center of Green Valley encourages community involvement. There are plenty of ways to give back to the Tucson community to help those less fortunate. You can give money, donate things and blood, and volunteer to help.

Here are some ways to get involved in the Tucson community to make it a better place:

• Give Food to Tucson Food Banks -Many organizations give food to those who cannot afford it. Two popular ones are the Community Food Bank and Food Pantries.
• Donate Items – Habitat for Humanity accepts donations of building materials, furniture, and working appliances in good condition. You can also volunteer to help build homes. Donate clothing and other items to the Salvation Army or Goodwill.
• Volunteer to Help The Homeless – Volunteer to help at any of the Tucson homeless shelters. Every other year about two hundred volunteers help conduct the Tucson Homeless Street Count. The next one is on January 26 and 27, 2016.
• Donate Blood – The Red Cross has a blood donation center in Tucson.
• Help Veterans – Volunteer at the Tucson Vet Center and if you are a Veteran, join Veterans Helping Veterans.
• Adopt a Pet from an Animal Rescue – Your newest best friend is waiting for you to save them at Hope Animal Shelter, Pima Animal Care Center, and Animal Rescue Foundation.
• Visit a Tucson Nursing Home – Over half the residents, never get any visitors.
• Donate and/or Volunteer at Mobile Meals of Tucson
• Donate to a Charity of Your Choice

It is a good idea to get insurance from an agency that cares about Tucson. Contact Insurance Center of Green Valley for all your insurance needs. The kind people, who work there, are ready to help you protect yourself and your loved ones.

You only think about insurance when you need to file a claim, but this is the time when an independent agent is such an asset. After an emergency, most people value information above all else. Anyone who has ever tried to file an insurance claim realizes that the cheapest insurance is rarely the best bargain, because the lines of communication are so inefficient. Filing any type of insurance clam involves the exchange of precise data, between the insured party, the insurer, and any third parties who provide services. After an automobile collision, someone has to communicate with the insurer and the auto body repair company. It can be timely and tedious, so this task is best left to an independent insurance agent. These ladies and gentlemen are specifically registered to provide insurance in a particular state, because state laws vary so greatly. Insurance laws are also far more complicated than may people realize.  An independent agent serves as a liaison between you and the insurer, providing comfort in your time of need. 

Better Safe Than Sorry

No amount of planning, can keep every tragedy at bay which is why you pay insurance premiums to begin with. An independent agent is so vital, because he or she is always at your beckoning. Trying to deal with automated services and electronic messaging systems complicates the process of filing a claim. You must first familiarize yourself with the process of filing a claim in your state, but an independent agent already knows the proper procedures. The Insurance Center of Green Valley helps to keep Arizona residents covered when they face an emergency. You depend on your insurance to repair your home, your automobile, and even provide health care. Independent agents specialize in communicating with the insurer, and any doctors or contractors.

When you are a student in Green Valley, you want to know about all of your options for health insurance. The ACA requires you to have a policy, but there are plenty of options to consider.

Where Your Policy Will Come From

Your policy can come from an individual plan, from your family, or from the school. More and more colleges across the country are offering insurance plans, and if you read the fine print, it may already be included within your tuition. Find out how much you are being charged for the health insurance as you may want to get it on your own as opposed to through the school.

The Kind of Coverage You Want

You will have various options when it comes to coverage. You will want to ensure you have health insurance for preventative health as well as when you become sick. Coverage can also include various diseases that you may have now, injuries that you may sustain in school sports, hospital stays, and much more. It should also include dental and vision coverage.

How to Afford a Policy

Insurance companies are going to calculate the cost of your policy based upon your level of health. This means you want to make sure that you are as healthy as possible. The “freshman 15” is a contributor to obesity in America. Many smokers begin at the age of 18, and there is a lot of risky sexual behavior that takes place in college that can lead to STDs. Be aware of the possibilities so that you can avoid them. Additionally, you will want to compare quotes to ensure you are getting the most affordable policy.

Call us today at the Insurance Center of Green Valley to learn about student health insurance coverage. We can talk to you about your options and obtain quotes from multiple insurance companies throughout Arizona.