When to Revise Your Home Insurance

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You likely have obtained a great insurance policy at the time of moving in to your home. But that doesn’t mean your insurance policy will not change during the time you reside at the same home. In fact, it is wise to review your insurance coverage at certain key times and then make the necessary adjustments. Here are more details on that topic, courtesy of Insurance Center of Green Valley serving the Green Valley, AZ area.

Purchasing electronics

Whenever you purchase or receive as a gift a valuable electronic item, it is wise to consider increasing your home insurance coverage. The higher the value of the electronic item, the more this make sense. Many insurance policies have separate coverage for these types of items.

Adding Jewelry

When you purchase a piece of jewelry or receive a wonderful gift like this, it is an excellent idea to consider adding more insurance coverage. Some insurance policies have separate coverage for jewelry, so check to find out how your policy is configured.

Changing circumstances

There are many types of circumstances that can lead to a change in the insurance coverage you need. For example, if the value of your home changes or you add a large amount of personal property, consider revising your home insurance coverage.

These are just a few examples of times when it could make sense for you to evaluate your home insurance coverage. Make sure to always be familiar with what your insurance policy says, and know when you should consider changing your coverage. If you need further details on home insurance or would like to look into a different policy and coverage, feel free to contact Insurance Center of Green Valley serving the Green Valley, AZ area.

Green Valley, AZ Auto Insurance For Teens

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Parents with teens face questions about driving. Who will teach them to drive? What rules will you set? Do teen drivers in Green Valley, AZ need auto insurance? Hopefully, parents have been setting a good example as responsible drivers up to this point. They now need to consider the matter of insurance. This is where the Insurance Center of Green Valley can help them. 

Teens holding a learner’s permit do not need additional coverage under Arizona law. Your present insurance coverage is sufficient as they practice their parking and merging. This might be a good time to discuss upcoming changes to your policy with your insurance provider. Once your child receives their license, they will be required to carry auto insurance.  They might purchase their own under certain circumstances, but most teens are added to the existing policy of the parents.

May we recommend some tips to help your child have a good start to their driving years?

  • Provide them with roadside assistance. 
  • Pack an emergency bag, and show them how to use the items in it.
  • Agree on family rules that address safety and responsible driving behavior.

Our agents at the Insurance Center of Green Valley can help you get the coverage that will serve your family. We would be happy to discuss the changes you will face when adding a new driver to your current insurance. It may be a good time to shop around for a new policy, but there is no obligation to do so. Green Valley, AZ parents can rely on the expertise of our agents as we help them navigate the teen years. Contact us today. 

 

Why a Green Valley, AZ Business Needs Commercial Insurance

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If you are looking for a good place to start a small business, one area of the country to consider is Green Valley, AZ. This area is experiencing a lot of positive growth and provides many opportunities for small business owners. Whenever you are going to start a small business, you will have to get commercial insurance. There are several reasons why you need to have commercial insurance in place for your business.

Gives Necessary Liability Protection

Once you start a company, you are going to be taking on a lot of liability at all times. This can include liability for the safety of both your customers and your employees. If there happens to be an accident that causes an illness or injury, you may be required to pay restitution. When you have commercial insurance, it will give you the coverage that you need to protect your company if you are liable for an accident.

Requirements

While it is good to have insurance to protect your company, having commercial insurance is also often a requirement for small businesses. There is a good chance that any lender or investor you have will want you to have commercial insurance at all times. This is because it can help to enusre you are able to remain solvent if an accident or casualty occurs. 

Ultimately, having commercial insurance is a necessity for businesses of all sizes. When you are shopping for insurance for your company, you should contact the Insurance Center of Green Valley. When you speak with the team at the Insurance Center of Green Valley, you will get great advice and service that can help you to get into the best policy possible. This will help to ensure that your Green Valley, AZ business is properly covered. 

Homeowner’s Insurance for First Time Buyers

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Buying your first home is an exciting adventure. Don’t let potential problems weigh down your joy. Getting your new Green Valley, AZ home insured protects your finances and ensures you always have a comfortable home for your family. What can you expect from a homeowner’s insurance policy from Insurance Center of Green Valley?

  • Liability coverage. This portion of your coverage helps you pay for accidents and problems that happen to people who don’t live in your home. If your neigh or breaks their ankle on your concrete driveway or the mailman is bitten by your pet, this is the coverage you’ll need for medical and court-ordered expenses.
  • Property coverage. This is the part that generally comes to mind when people think about homeowner’s insurance. Your insurance agent will provide you with a list of covered perils. If any of these problems occur, your property coverage will help pay for damages and personal losses.
  • Extended coverage. Each homeowner’s insurance contract can be customized to meet the specific needs, circumstances, and preferences of the subscriber. Your agent can help you find ways to cover your expensive collectibles, non-attached buildings, and other things that may not be automatically included in your contract. Its vital to meet with an agent to ensure your coverage has everything you need.
  • Your deductible is the amount of cash you have to pay towards fixing covered damage. For new homeowners, a lower deductible means less strain on your savings account. If you’re like most homeowners, that extra cash comes in handy for making your new home more comfortable.

Find out how a customized homeowner’s insurance policy on your Green Valley, AZ residential property protects your present and long term personal finances by calling the experts at Insurance Center of Green Valley.

How Much Auto Insurance Coverage Do I Need to Have?

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Owning a car is a very important responsibility. One part of being a good and safe driver is making sure that you have proper auto insurance coverage in place at all times. For those that are in the Green Valley, AZ area, there are a variety of factors that need to be considered when you are trying to build an auto insurance policy with the appropriate coverage. 

Liability Requirements

Your first need to make sure that you have liability insurance. This form of insurance will ensure you are able to pay restitution if you are at fault in an accident that causes damage. Similar to all states, you will be required to carry minimum levels of liability insurance at all times in Arizona. 

Lender Requirements

If you have taken out a loan or lease to buy a car, you will need to carefully consider your lender requirements as well. Auto lenders will always want to verify that you have approrpriate coverage in place. Normally, this will require that you have liability that meets or exceeds the state minimum as well as a full collision and comprehensive insurance plan. Additionally, you may need to get gap coverage to ensure that you have the ability to pay off the loan through an insurance claim if your vehicle is totaled. 

Ensuring that you have the right type and level of auto insurance is very important. When you are looking to get insurance in the Green Valley, AZ area, the team at the Insurance Center of Green Valley should be the first group that you call. The Insurance Center of Green Valley will be able to review your personal situation and figure out what type and level of insurance you need to have to provide necessary protection and ensure you are in compliance with the law and all agreements. 

Why you need commercial insurance in Arizona

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When you are looking to start a new business in the Green Valley, AZ area, there are many important factors to take into consideration. While coming up with a good idea, source of capital, and management structure is important, you also need to carefully consider your insurance needs. For those that would like to have a business in Arizona, there are many reasons why you need to have commercial insurance. 

Protects Business Assets

Whenever you are looking to start a new business in Arizona, you will need to invest in a variety of business assets to get the company off the ground. Depending on what you are selling, this could invlude major investments in equipment, inventory, and IT systems. The worst thing that could happen in this situation would be if a fire impacts your company and requires you to replace these assets. If you have commercial insurance, you will have coverage for the replacement of these valuable assets. 

Ensures Legal Compliance

Additionally, you will be required under the law to carry commercial insurance at all times. When you have a business that has a staff, you will want to make sure that your employees are properly covered. Through a commercial insurance policy, you will be able to get workers compensation insurance. This will ensure that your team members have coverage if they are hurt while they are at work. Additionally, this form of insurance is required by law.

When you are looking to get commercial insurance in the Green Valley, AZ area, you should reach out to the Insurance Center of Green Valley. When you speak with professionals at Insurance Center of Green Valley, you can be assured that you will be getting great insight into your insurance options. They can then help you get into the right policy for you and your business. 

3 Common Fire Hazards to Avoid in Your Home

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Residents of Green Valley, AZ who want to learn more about fire prevention can talk to the agents at the Insurance Center of Green Valley. Each agent has a firm understanding of what causes fires in the home as well as various ways to prevent fires from occurring. It’s important, as a homeowner, to be aware of common hazards.

Minimize the Use of Extension Cords

Reduce the number of extension cords you use throughout your home. Connecting two or more together can create a fire hazard. Instead. Place items that need to be plugged in closer to the outlets. You can also choose to use a longer extension cord for added reach.

Keep Your Dryer Vent Clean

While it’s common knowledge to keep your lint trap clean, the dryer vent that leads outside can still become clogged with fine bits of debris and lint. One a month, use your vacuum hose to sweep deep into the lint trap. You can also use a shop vac to remove debris from the outside as well. At least once a year, remove the vent and blow it out with an air compressor.

Replace Frayed Cords

Cords on appliances that are used often can start to fray. As soon as signs of fraying, or any other type of damage, start to appear, have the cords replaced.

The agents of The Insurance Center of Green Valley are available to answer any fire safety questions you may have. If you live in Green Valley, AZ or any of the surrounding communities, consult an agent today and have your home insurance policy reviewed. Get the answers you need now!

 

 

Protecting Your Car From The Arizona Heat

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The Arizona Heat in the summer months can be dangerous to your car, including the Green Valley, AZ area. Sun damage can diminish the appearance of your car and require additional work that you were not anticipating beneath the hood. Below are tips to minimize sun damage throughout your car and keep your car looking new while you own it. 

Keep Your Car Washed and Waxed 

Frequently washing your car and waxing it can protect the paint from long-term sun damage. The wax is used as a layer of protection from the sun and prevents paint cracking from temperatures that regularly exceed 100 degrees. 

Top Off Those Reservoirs

All fluids beneath the hood of your car are essential for an operating system. They also carry the chance of evaporation, especially is extreme heat areas. Make sure that all of your fluid reservoirs are topped off to ensure that your car will continue to operate properly in these extreme temperatures. 

How’s the Battery?

With the air conditioning set at its highest temperature for several months, maintaining that system, as well as standard operations can be stressful on your car battery. Have it checked out before the summer months roll in to ensure that it is properly operating. 

Keep That Interior Cool

Any time you have the option to park your car under shelter, take advantage of these garages at home, in your complex parking area, and any garages at work. If you do not have access, make sure that you purchase a window visor to deflect the heat out of your vehicle, maintaining the internal temperature. 

Need a New Auto Insurance Policy?

At the Insurance Center of Green Valley, we offer auto insurance policies to residents in the Green Valley, AZ area. Use our online rating tool for your quote today from the Insurance Center of Green Valley or contact one of our agents for more information. 

 

My neighbor’s tree fell onto my house; who is responsible for the damage?

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Owning a home is a great comfort and responsible homeowners take great care to make sure that they keep their property well-maintained and in safe working order. Unfortunately, there are some irresponsible owners out there who aren’t as careful, and their neglect can cause damage to their neighbors.  It is important to contact your agent right away after such an event to learn what your rights and responsibilities are. The team at Insurance Center of Green Valley is here to help protect your Green Valley, AZ home from harm no matter the cause.

Who is responsible if a neighbor’s tree damages my home?

Determining responsibility for tree damage isn’t always as straightforward as you would like to think. There are many different factors to consider, and your agent can help you work through the process to make sure that you aren’t held liable for something that isn’t your responsibility. If there is a natural disaster that causes the tree to fall or be uprooted, it may be treated differently than if the tree was neglected and diseased and the damage was preventable. 

Because of these differences in policy protection, it makes sense to work closely with your insurance agent to determine who is at fault and how to move forward from there. If it is determined that you are liable for the damage to your house, your agent can help you file a claim. 

Take care of your family home with the right insurance policy. If you are in the greater Green Valley, AZ area and want to learn more about your home insurance policy options, contact the team at the Insurance Center of Green Valley today for a consultation. We look forward to working with you and your family!

Assessing Your Risks For Commercial Insurance

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When buying commercial insurance for your Green Valley, AZ business, it comes down to a few basic questions:

  • What do you need to protect
  • What protections are required by local, state and federal regulation, and
  • How much can you cover out of pocket

When assessing risk, most business owners will immediately be thinking along the lines of the property. Certainly, you want to be protected against theft, vandalism and other damages. But the big risk for business owners is a liability.

A restaurant can replace a microwave or blender damaged in a small fire, but the costs involved in a lawsuit should someone be injured on your property or by one of your products can sink a thriving business.

Computer security is another big risk that many business owners neglect to consider. Running a business from a laptop or with a network of remote freelancers is certainly an option in this day and age, but just because you don’t have a physical store doesn’t mean that you have nothing at risk. A breach of customers’ private data owing to cybercrime or simple negligence can be a catastrophically expensive problem to correct.

Your unique risks come down to the nature of your business, and whether you manage a hundred employees or it’s just you, there’s always going to be something that you need to consider.

If you want to get covered on a policy that works for you, that covers your business’ risks, get in touch with Insurance Center of Green Valley and we’ll help to get you set up with an insurance plan that will cover everything you’ve worked so hard to build.