AZ INSURANCE TEAM BLOG

One of the biggest mistakes Arizona landlords make is not requiring renters insurance in the lease agreement. Many property owners assume renters insurance only protects a tenant’s clothes and furniture, but it also provides critical personal liability protection which directly impacts you as the property owner. The primary reason to require renters insurance for Arizona rental properties  is liability exposure. If a tenant’s dog bites someone or a guest is injured inside th

Buying a home is exciting! but even a few small mistakes can cost you thousands or even delay your closing. Whether you’re a first-time buyer or a seasoned homeowner, these 5 tips can help you avoid common pitfalls during the home buying process. 1. Get insurance before you buy: Most mortgage lenders require proof of homeowners insurance before they release loan funds at closing. Starting early ensures you have coverage in place the day you take ownership and prevents delay

Emergency funds are an important part of a personal financial plan and monthly budget . Building emergency savings  for a rainy day can help you avoid high-interest debt  when a crisis strikes and reduce the stress that often comes with job loss, unexpected medical bills, or emergency expenses . As soon as you’re financially responsible for handling emergencies, you should start thinking about building an emergency fund savings account . The sooner you start saving, the more

When to Drop Collision and Comprehensive from Your Auto Insurance Policy There comes a point when keeping collision and comprehensive coverage on your auto insurance policy stops making financial sense. Instead of continuing to pay premiums, it may be smarter to save that money for repairs or a future vehicle. Knowing when you’ve reached that point is actually simpler than most drivers think. All cars depreciate in value over time. It’s a well-known fact that the moment you

If you’re in the process of shopping for insurance, you’re likely familiar with the terms “broker” and “agent,” but what exactly are the differences between the two? Insurance brokers, like AZ Insurance Team, work with several different insurance companies to find the best rates and policy to fit your needs. Unlike agents, brokers work for you, the client, rather than any of the insurance companies. When you contact an insurance broker for a quote, the broker will assess your