AZ INSURANCE TEAM BLOG

Learn whether homeowners insurance covers home-based businesses, what exclusions apply, and when you may need a business endorsement or Business Owners Policy (BOP).

Remote work and side hustles are no longer niche. In 2026, millions of Americans earn income from freelance work, e-commerce, consulting, rideshare driving, content creation, and home-based businesses. According to recent QuickBooks research, nearly half of Americans report earning income from a side hustle or secondary business. But one thing many home-based business owners still overlook is insurance. A standard homeowners or renters insurance policy usually does not fully

If you live in the same apartment complex, condo community, or neighborhood as someone else, you may wonder why your renters insurance premium is higher than theirs. Even if your homes appear nearly identical, insurance companies use a variety of personal, financial, and property-related factors to calculate insurance rates. Understanding what impacts renters insurance pricing can help you make informed decisions and potentially lower your monthly premium. Below are some of t

When most people think about flood insurance, states like Florida and Louisiana come to mind as regions where hurricanes, storm surges, and heavy rainfall make flooding a constant threat. But what about Arizona? Is flood insurance really necessary in the Sonoran Desert? What Counts as a Flood? Before deciding whether you need coverage, it’s important to understand how flood insurance works. According to the National Flood Insurance Program (NFIP), a flood is defined as water

Filing a home insurance claim can feel overwhelming—especially during an already stressful situation. While no homeowner wants to deal with property damage, understanding how the claims process works can save you time, money, and frustration. In this step-by-step guide, we’ll walk you through exactly how to file a home insurance claim and what to expect along the way. 1. Ensure Safety First After a covered event like a fire, storm damage, or roof collapse, your first priority