Home Insurance Policy Tempe, AZ

Home Insurance Policy Tempe, AZIf you’re an experienced home remodeler, you’ve probably come across contractors who are willing to offer better pricing for cash deals or who are reluctant to provide you with a service contract. Did you know that you can be held liable for hiring a contractor who does not carry the right insurance and causes damages or injuries to another person or even one of their own workers? Saving a few dollars on your remodel can end up costing you thousands so follow these tips to avoid an insurance disaster.

  1. Look for obvious red flags: Getting multiple quotes for the job is a great idea, but did you find a contractor who will do the work for ½ as much as the next guy? How is this possible? When you’re inviting a contractor to your home, be sure to ask them for credentials before they come over to give you a bid. Following these steps can save you from theft, liability and even money.
  2. Ask for references: If you found a great contractor and you like him/her, ask them if they have a website or if there is someone who has had work done by them recently that you can talk to. If a contractor is proud of the work they do, they should have several references for you to call. It is okay to ask for reference and most people expect it. Most small businesses survive off of word-of-mouth advertising, so don’t be shy.
  3. Utilize the internet to look up their license: Contractors are required to have a license to perform work. You can utilize your states resources to find these contractors. An internet search will provide you with some quick references. You can even make your job quicker by asking them to provide you with a copy of their license or number.
  4. Active License, Insurance & Bond: Ask the contractor for a copy of their license as well as documentation of their insurance and bond. Note: Check the dates on the license as well as the insurance to ensure they’re currently in force or active.
  5. Get specific: Not only is it important to protect your insurance from a scam, but ensure your pocketbook doesn’t get taken for a ride too. Ask questions like, “Is this an estimate or a final bid?” “Does this estimate include parts and labor?” “Can I see where you’re buying the products beforehand?” The more questions you ask, the better you will feel and the more the contractor will understand that you’re educated on this process.

Let’s take a closer look at what some of these products do:

  1. License: A license to do business means that contractor has met local guidelines and qualification standards to work in their field. Hiring an unlicensed contractor can result in shoddy work or dangerous results such as with an electrician.
  2. Insurance: Contractors need two types of insurance really.
    1. General Liability Insurance: This will protect you from damages that the contractor causes such as a ladder falling through a window, causing a fire or overspray onto a neighboring house during some painting.
    2. Workers Compensation Insurance: This insurance will protect the contractor if one of his employees is injured on the job while on your property. If the contractor does not carry workers compensation insurance, your homeowners insurance policy might be asked to pay that workers claim.
  3. Bonds: A bond acts as a guarantee that the contractor will perform the work they’ve been asked to do. For instance, say your pay a contractor to do a job and he never gets the permits or doesn’t pay a subcontractor – collecting from his bond can help cover these costs.

Hiring a contractor this way can be a great option to bringing some new changes to your home. It is possible to really save money on these services, but just using some simple, quick research and asking the right questions can save you a bundle as well as a headache.

Insurance Agent Tempe, AZ

Insurance Agent Tempe, AZWorking with a local, independent insurance agency has many perks versus trying to figure out your insurance policy by yourself & purchasing it online. Not only do independent insurance agencies represent the top insurance carriers, but we can also act as your adviser. So, when should you take advantage of our expertise and do an insurance policy review?

Annual Review

Whether it’s your auto or home insurance policy, your insurance policies get renewed on the same month every year. This is probably the best time to reach out to your insurance agent regarding an insurance review. Did you premium go up? If so, reach out to us. We can re-quote you, often quoting several carriers at once. Then, we can shop to find you the best rate at similar coverage. Rates have been trending up, so it is possible your current carrier is still the best one.

At the Start of a New Season

This works best for all those individuals who own a boat, RV, ATV, motorcycle, etc. In many cases, individuals use their toys during the season and not year round. If this is the case for you, it might be best to ask your agent for an insurance review before you bring your boat, RV or ATV out to use for the season. A quick email or phone call is all it takes.

If You Have Multiple Insurance Policies

Did you know you can earn a nice discount by bundling your policies together? If you are a new college grad, you may be looking for renters insurance. Ask us if you can save money by bundling your renters and auto insurance together. Or, if you are looking to purchase an umbrella insurance policy to protect your assets, we may be able to score you a discount by bundling it with your auto or home insurance.

Updating Your Home

If you recently completed some major remodeling to your home, reach out to your insurance agent. We will want to ensure you have enough insurance coverage for all the changes you made such as custom cabinetry or new hardwood floors.

Life Changes

Whether you are working from home now and are driving less, recently got married or now have a teen driver in the house, we appreciate when you reach out to us! Not only can we look for discounts, but we can update your insurance policy to avoid any gaps in coverage.

We hope these examples encourage you to ask for an insurance review. As you insurance agent, we want to make sure you understand your current coverage and are getting the best coverage for your unique situation. We are here to help! Ask for insurance review today.

Tips for working from home in Tempe, AZ

Tips for working from home in Tempe, AZ2020 has been the year where many more individuals experience working from home instead of driving into work. For some, this may feel luxurious, while other individuals may feel lost and unsure how they can be productive at home. We are looking to help the latter group! Working from home can be effective and relaxing when done correctly. Follow these simple tips to be successful.

Have a Dedicated Work Space

This is crucial. Just like you have a dedicated work space in your office, you want the same thing when working from home. Some individuals may have the luxury of having a separate bedroom or other unused space they can transform. Others may not. If you do not have an extra room, we suggest setting up your space in a clean, organized matter. Use one seat at your kitchen table that can mimic a cubicle. Keep your space organized and make it appear to be your dedicated work space. Or, rearrange your living room to have a small workspace.

Create a Routine

Some individuals may find it is best to follow their exact routine as if they were going into the office to work. Set an alarm, shower, eat breakfast, start working by 8 am. You can mimic your exact work schedule or you can create a new routine. Regardless, you should have a routine! If you are looking for a new routine, consider constructing a to-do list at the beginning of each day. Do you have any conference calls? What needs to get completed today and by what time? When you know this information, you can lay out your day in an organized manner. Be sure to include a work break as suggested next. Working from home has perks, but if you’re constantly doing other things because you can, this will hurt your work productivity.

Take a Break

Just like you would take a lunch break while working in the office, take a break when you are at home. We would not recommend tackling your household to-do list during this time, but perhaps taking a break to do a 20 minute walk, sit down and have a meal or anything else that gives you a break from your work duties.

Want to Start Working From Home Full Time?

If you run your own business, consider creating a dedicated work space in your home. Whether it is converting a room into an office or building a detached office outside your home. It should feel like work and is only used for work. Best of all, you may be able to deduct the dedicated space from your taxes. Talk to you accountant about this. If you find you will be working from home permanently and are a small business owner, contact us regarding your insurance policy.

We hope these tips are helpful. If you have any questions regarding your insurance policy, reach out to our agency. We can provide a free quote or complete an insurance review.

Spring Cleaning Checklist Tempe, AZ

Spring Cleaning Checklist Tempe, AZHaving a clean home or a clean car is a great feeling. While it can be a pain to get started mentally, it’s always worth it once it’s complete. Here is a quick checklist to help you when it comes to spring cleaning your vehicle and your home. Consider committing a few hours to your car and your home over a weekend. With a solid to-do list, you may find it takes less time than you think.

Five Things to Do For Your Car –

  • Check the conditions on your tires. Any visible sidewall damage or bulging?
  • Wipe down all windows on the inside. While you’re at it, wipe down your dash with a vinyl cleaner. Not only will it be nice to wipe away any dust or grime, but it can help protect against the sun’s UV rays.
  • Check for the last maintenance visit. How long has it been since your last oil change?
  • Check your wiper blades. Are they cracked or do they leave streaks?
  • Give your car a wash, possible wax and vacuum the interior! If you have the supplies at home, great! If not, drive down to your local car wash to tidy up the interior and exterior of your vehicle. Doing so will help maintain the value of your vehicle.

Five things to do for your home –

  • Dust

Make a checklist of all the areas in your house where dust can collect. We typically look to dust televisions, window sills, baseboards, blinds, picture frames, night stands, the top of cabinets or ceiling fans or bed frames.

  • Organize

Go through your cupboards and closets. Consider donating any clothing you haven’t worn in over a year. Organize your cupboards like your food pantry, junk drawers or storage closets.

  • Change smoke detector batteries

This chore takes less than 5 minutes to complete. If you have a carbon monoxide detector, check the batteries there too.

  • Disinfect

This may take a little more time. It’s always good to wipe out your refrigerator a few times a year. You can disinfect areas like your shower, tub, toilet or wash your shower curtains. Also, disinfect your TV remote, door knobs, computer mouse or drawer handles.

  • Donate

It feels good to get rid of things! Whether it’s going through your closet to donate clothing or going through your garage, getting rid of things can make your life feel organized.

We hope this short checklist to spring cleaning your home or car is helpful. If have questions about your car insurance or other vehicle insurance, contact us! We can also do a policy review for your home or condo insurance. Take advantage of working with a local independent insurance agency to ensure you have the right insurance coverage for your needs.

Customized Vehicle Insurance Tempe, AZ

Customized Vehicle Insurance Tempe, AZA lot of people take great pride in their vehicles and for them it isn’t only an asset, it is something that expresses their individuality. But, if you’re customizing a vehicle, whether it be a car, motorcycle or ATV, you want to make sure that your insurance policy covers the custom parts and equipment as well as the modifications and labor that might be going into it.

Lifted Vehicles

For those of us who have owned or currently own a lifted truck or SUV, they’re a lot of fun! Not only are they more capable off-road, but you get a higher vantage point for visibility and driving them can add to your enjoyment of owning the vehicle altogether. However, be sure to let your insurance agent know that you have a vehicle with modified suspension. In the event of a claim, custom suspension and wheels and tires can be considered custom parts and equipment. This means that unless you have an endorsement for larger, more expensive wheels and tires as well as the lift kit, you may be out the difference in price from stock if you find yourself in a claims situation. Typically this is called a Custom Parts & Equipment endorsement.

Custom Paint

A custom paint job can set your vehicle apart from the rest and express your individuality. If you have a car with a custom paint job on your car or motorcycle, you’ll want to be sure to get the Custom Parts & Equipment endorsement for this too. Custom paint is expensive and if you find yourself without the coverage, you’re not likely to be compensated fairly without it.

Custom parts and equipment (CPE)

The simple rule of thumb with CPE is that if it wasn’t that way from the factory it is considered custom. Custom parts and equipment can include the following items:

  • Stereo system
  • Navigation System
  • Custom Wheels & Tires
  • Lift Kits
  • Paint Jobs
  • Chrome Accessories
  • Custom seat, handlebars, grips, exhaust & more on motorcycles for example.

Custom parts and equipment is not a standard type of coverage. Some insurance companies offer basic CPE coverage for certain types of vehicles like motorcycles but as a rule of thumb and a precautionary, never assume that your custom parts are covered. Be sure to tell your licensed independent agent about the custom parts on your car, truck or specialized vehicle like your motorcycle to ensure you have the right amount of protection and can replace your vehicle in the event of a loss.