Search Results

Here is a guide on what to expect from your insurance policy if you have a house vacant for over 60 days and what is covered vs what is not. What is considered a vacant home? When an insurance agency defines a house as a vacant home they are looking at: The amount of furniture in the house If anyone has lived in the house in the last 60 days The utilities bill (is it average price or below) If your house has no furniture and has not been lived in within that last 60 days it will most likely be considered a vacant house. In order to stay covered you must then get vacant home insurance. Hypothetically, if you had a home or landlord insurance policy on a house that matched the conditions above, your insurance will not cover any damages done to the house. Even a second home insurance policy would not cover damages as the house would be considered vacant. It is very important to know if your house would be considered vacant in order to be fully protected. The one exception: If your house is fully furnished it may be considered a second home, in this case second home insurance could cover damages done to the home. Importance of vacancy insurance: If your house is considered vacant it is important to get vacancy insurance as all other types of homeowners insurance will not cover any damages. Let AZ Insurance Team do the insurance shopping for you! give us a call today. (480)-535-5709. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Image credit: Image by wirestock on Freepik Information credit: https://www.progressive.com/answers/vacation-home-insurance/

Have you recently received a speeding ticket? While it may seem like a mere inconvenience or a dent in your wallet, there's more to it than meets the eye. Not only will you have to pay a fine after a ticket, it will also greatly affect your insurance rates and driving record. Consider this: Attending a defensive driving class could be your solution to not only avoiding the ticket fine but also saving you from insurance price hikes. Attending defensive driving classes can often be a means to mitigate the consequences of a speeding ticket. Many states offer the opportunity to have the ticket dismissed or points reduced upon successful completion of such a course. Not only does this save you money in fines and potential insurance hikes, but it also keeps your driving record cleaner, which can be important for future opportunities, such as employment that requires driving. These courses tend to only be 4 hours and can be done online at your leisure. It is important to know that in Arizona you can only take 1 defensive driving course every 12 months. Overall attending a defensive driving course could save you a substantial amount of time and money. Here at AZ Insurance Team we always recommend taking a defensive driving course after receiving a minor ticket. A major moving violation is NOT handled the same way. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.progressive.com/answers/lower-car-insurance-rates/ Image credit: Image by freepik

In order to understand boat insurance, we must look at all the different types of boat coverage and how they differ. Liability insurance: Liability coverage covers expenses or injuries you're accountable for while out on the water. This coverage extends to damages incurred by docks, pilings, and other vessels, as well as injuries sustained by your passengers and other boaters. Most policies include protection for passengers engaged in water activities such as tubing, wakeboarding, and waterskiing– this can be found under Med Pay or Medical Payments. Furthermore, liability coverage often includes provisions for fuel spill cleanup and wreckage removal in the event of a sinking requiring the boat's extraction depending on your policy. Uninsured/Underinsured: This type of coverage helps cover injuries done by another boater that does not have insurance or adequate insurance to cover the damages. Comprehensive and collision: Comprehensive coverage protects your boat from damages stemming from unforeseeable events such as theft, vandalism, explosions, fires, falling trees and objects, hurricanes, lightning, and other weather-related occurrences. Collision coverage provides compensation for damages incurred if your boat collides with another boat or object, including submerged ones, regardless of fault. Coverage also extends to instances of boat capsizing depending on your policy. Let AZ Insurance Team do the shopping for you when it comes to boating insurance. Give us a call today! (480)-535-5709. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Image credit: Image by freepik Information credit: https://www.progressive.com/answers/what-does-boat-insurance-cover/

In order to fully understand what you need to do in the event of an accident in a parking lot we must first establish if the other driver involved is still at the scene. If the other driver involved is still at the scene then treat the situation like a regular accident by taking photos of their license, insurance provider, and damages done to both vehicles. You can try to file a police report, however, if the parking lot is considered private property the police may not arrive to take the report. If the driver is not at the scene this could be considered a hit-and-run if you can prove who caused the accident. If you cannot prove who caused the accident there is a possibility that your collision coverage would cover the damages depending on your policy. If you do not have this type of coverage, you will have to pay for the damages out of your own pocket. If the driver is not present there is a possibility that they left you a note. If the driver responsible did leave you a note it is recommended to take photos of the damage to your car and get in contact with the other drivers insurance provider. What if I hit someone else's car in a parking lot? If you are responsible for damages to someone else's car it is important to stay at the scene so you can exchange information with them. If you leave the scene without exchanging information you could be considered for a hit-and-run, which is a crime. If you have to leave the area, put a note with your contact information along with your insurance information and a small explanation of what happened. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.progressive.com/answers/parked-car-accident/ Image credit:Image by mrsiraphol on Freepik

In the event of an accident, it is important to remain composed, stay at the scene in a secure spot, capture photographs of the surroundings, and exchange contact and insurance details with the other party involved. After getting the necessary photos and information from the accident it is time to contact the appropriate insurance company. If the other driver seems to be at fault, you should call their insurance company. The insurance agent will most likely ask for these details: Date, time, and location of accident Information of the other driver involved in the accident ( license, insurance provider, etc.) Photos or videos of damage done to both vehicles Your personal testimony on what happened If a police report has been filed for the accident It is important to know what types of coverage you have. For example if you have rental car reimbursement coverage, your insurance company will help cover your rental car costs while your vehicle is being repaired. Next, you should talk to your claims adjuster. Usually your claims adjuster will reach out to you to get a personal testimony of what happened from your point of view along with gathering other information like if a police report was filed. A claims adjuster helps determine liability of damages so it is important to tell them every detail you can remember and share any photos or videos you have of the damages. Remember to never admit fault for an accident, that is for the claims adjuster to decide. The last step is to get your car repaired. Fortunately, you get to decide where and when your car gets worked on. If your claim gets approved, the insurance company will either write you a check or pay the repair shop minus your current deductible. Here at AZ Insurance Team we do the insurance shopping for you! Give us a call today! Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Image credit: Image by freepik Information credit:https://www.progressive.com/answers/how-to-file-an-auto-claim/

In order to legally drive a motorcycle, almost every state in the U.S requires motorcycle insurance. For Arizona residents they are required to have a 25/50/15 liability coverage. 25/50/15 Liability coverage: This type of coverage is required and protects others from damages caused by you. The "25" represents that your insurance covers at least $25,000 per person for bodily injury. The "50" represents the max amount paid out for bodily injury being $50,000. Lastly, the "15" represents up to $15,000 in protection to property damage. Liability insurance does not pay for your own property damage or bodily harm but is required in order to legally ride. When do you need this liability coverage: You will need to show proof of liability insurance if you plan on: Registering your motorcycle-Most states require proof of insurance before registering a motorcycle. Financing your motorcycle-Banks and other lenders will want you to protect the asset they are financing. Gaining a temporary permit to ride-If you are getting a temporary permit in a state that requires insurance to register, you will likely need insurance even for a temporary permit. For all of these situations you will need to present liability coverage up to your state's requirements. Is liability coverage enough? This question depends on how expensive your bike is and how much money you have saved up. If your bike is worth a substantial amount it may be smart to get comprehensive and collision insurance which protects you and your bike in the event of an accident. If your bike is not worth much then comprehensive and collision might not be worth it unless you would need the money from the bike to buy a new vehicle after an accident. Un/Underinsured Coverage: When you ride a motorcycle, you are very physically exposed. If there’s an accident, the damage most likely to occur is to your body. We ALWAYS recommend un/underinsured motorist coverage but for a bike – you’d be silly not to carry it on your policy. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Image credit: Image by azerbaijan_stockers on Freepik Information credit: https://www.progressive.com/answers/do-i-need-motorcycle-insurance/

Rental Car Reimbursement is a type of optional coverage that covers some of the cost of a rental car if you are in an accident that leaves your car undrivable. With rental car prices being at an all-time high, it is important to consider the benefits of rental car reimbursement. How does it work? Depending on where you are getting your rental car from will depend on how fast your insurance company will be able to pay. Some insurance companies have partnerships with rental companies that provide a fast transaction while other companies may require you to send them receipts of the rental car used and then pay out the limit. How much is a typical limit? With rental car reimbursement there is a daily limit and a total limit. an example of a daily limit could be $50 a day with a total limit being $1,500. These numbers will depend on the amount of coverage you want to buy. Will rental car reimbursement cover me if my car breaks down? No, rental car reimbursement will only payout covered events like a crash with an insured driver. Think of rental car reimbursement as an extra tool to help you save money when in an accident. Still wondering if you need rental car reimbursement? give AZ Insurance Team a call today and we'll do the hard work for you! Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.progressive.com/answers/rental-car-reimbursement-coverage/ Image credit: Image by jcomp on Freepik

The state of Arizona is #4 in highest auto insurance prices in the U.S. It is important to know how to lower your auto insurance premium. Here are 6 different ways that you could lower your car insurance premium: Increase your deductible: Your deductible directly affects your auto insurance premium. If you are willing to pay more out of pocket if you are in an accident, an increased deductible will help your premium go down. Keep a good driving record: If you have a clean driving record then your insurance rates will be lower. Excessive amounts of accidents and speeding tickets can negatively affect your rates. The type of car you drive: Some cars are more expensive to insure than others. If you drive a sports car to work every day then your premium will be much higher. If you're looking to save money, it is smart to have a practical car that will be easier to insure. Bundling different types of insurance: Some insurance companies will offer you a discount if you bundle different types of insurance like bundling home and auto. How much you drive the car: If you work from home or take advantage of public transportation, then your insurance company might offer you a discount because you are not driving much on a daily basis. Maintain a good line of credit: Your credit score affects your car insurance premium so it is important to keep good credit. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.libertymutual.com/insurance-resources/auto/how-to-lower-your-car-insurance-rate Image credit: Image by senivpetro on Freepik

Rental car insurance is an optional policy that you can add that covers you while renting a car. This type of coverage may include liability, collision, personal effects coverage, and personal accident insurance. Before everything, check your auto policy! If your personal auto policy has liability, comprehensive, and collision coverage these will most likely carry over to your rental car. Depending on your coverage, rental car insurance might not be necessary. Loss of use: Although your personal auto insurance might cover the costs of repairs to a damaged rental car, the rental car company will bill you for loss of use. Hypothetically, if you crashed a rental car that your personal insurance covers but it takes 7 days to repair, you will be billed for what is equal to renting that car for 7 days. You can avoid this loss of use bill by buying the rental car insurance offered. What if you're not covered? If you do not have any type of auto insurance, the rental car company will make you purchase their liability coverage in the least. If you decide to buy rental car insurance you will have the choice to add all these types of coverages: Liability: this is a requirement to legally drive as it covers the damage you cause to other vehicles or people while driving the rental car. Collision: This will cover the damages done to the rental car itself. Personal Accident Insurance (PAI): This will cover you and your passengers for any injuries sustained while driving the rental car. Personal Effects Coverage (PEC): This coverage will protect your personal items if they are stolen from the rental car. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.progressive.com/answers/rental-car-insurance/ Image credit:Image by azerbaijan_stockers on Freepik

The first step you need to do before gathering up quotes from different insurance companies is recognizing your external factors that will affect your rate. Some examples of these external factors are: The state you reside in. Your cars' make, model, and year. Your credit. Your driving record. These external factors can positively or negatively affect your rates and is something to keep in mind when shopping for auto insurance. The second step is to establish what types of coverage you want from your insurance policy. Whether you want "full coverage" which typically includes liability, uninsured/underinsured motorist, comprehension, and collision or if you want even more coverage like roadside assistance and windshield coverage it is important to establish what coverages you want. The third step is to gather quotes from different insurance companies that are offering the type of coverage you want. Another thing to keep in mind when comparing prospective insurance companies is the deductible you are choosing for each. If you want to be able to compare them with ease, it is best to stick to the same deductible with every company. It is also helpful to remember that money is not everything and you want an insurance company that you can trust and that delivers on its promises. If shopping around for quotes seems like too much of a hassle, let AZ Insurance Team do it for you! give us a call today. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.travelers.com/resources/auto/insuring/how-to-compare-car-insurance-quotes Image credit: Image by azerbaijan_stockers on Freepik

Congratulations! You have found a new insurance broker that gives you the best possible deal on homeowners insurance like AZ Insurance Team and it is time to switch home insurance policies. You might be wondering, when can I switch my home insurance policy? Short answer, anytime you want however the guide below is to help you switch correctly at the opportune time. The first course of action is to find a better home insurance policy and to buy it. It is important to buy the new home insurance policy before cancelling your previous insurance policy as this prevents a lapse in coverage. The second step is to see when your previous home insurance policy renews. This is important because if you cancel your home policy in the middle of a coverage period you may be required to pay a cancellation fee. If you cancel right before your policy is set to renew, then you avoid this fee altogether. The third step involves if you have an escrow account. It is very important to let your lender know that you are changing home insurance policies beforehand as they will want to see if your new policy is to their coverage standards. This is also important so that the escrow payments go to the new insurance company. Common Question: Even after filing a claim with a previous insurer, can you still change homeowners insurance? Yes you can! Keep in mind that the claim will stay with your previous insurer until it is settled or denied. Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.progressive.com/answers/changing-homeowners-insurance/ Image credit: Image by kaboompics on Freepik

Medical payments coverage or MedPay for short is an add on for your auto insurance that helps pay for injuries sustained by you or anyone else in your vehicle. MedPay is not health insurance but it does help cover the costs that health insurance doesn't cover. How much does MedPay cover? This usually ranges from $1,000 to $10,000 depending on what you think you need covered. If you have health insurance with a $500 deductible, then a $1,000 MedPay policy is most likely proficient. If you do not have medical insurance, you may want to go with a higher MedPay policy. MedPay is also a popular coverage because if there is an injury, the coverage will pay you very quickly. What can MedPay cover? Depending on the incident medical payments coverage can go to: Hospital visits Doctors visits Ambulance and EMT fees Health insurance deductibles Nursing services Surgeries, X rays, and other procedures In Summary, this optional part of auto insurance can save you a lot of money and heartache. MedPay is something that everyone should consider adding to their auto policy if they value their money and well being. Let AZ Insurance Team do the hard work for you. Give us a call today! Contact Us | AZ Insurance Team | Auto, Home, Life, Commercial… Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance… Disclaimer: Coverage will vary on state, insurance company, and type of policy. Information credit: https://www.progressive.com/answers/medical-payments-coverage/ Image credit: Image by freepik