Disaster preparedness kit in Phoenix, AZNo one wants to think that they may be stuck in their home during a natural disaster, but the reality is natural disasters happen in every state in our country. During a natural disaster, keeping your family safe and comfortable is a top priority and having a disaster preparedness kit in Phoenix, AZ may help you.

A disaster preparedness kit for your home in Arizona should include these basics:

Food and Water:

  • Two week supply of bottled water
  • Two week supply of non-perishable food like crackers, protein bars, dried fruit, etc.
  • Infant food and formula
  • Pet food
  • Utensils and plates for each person

Shelter and Comfort:

  • Plastic sheeting
  • Duct tape
  • Sleeping bags for each person
  • Emergency blankets
  • Battery operated or hand crank radio
  • Emergency locator beacon
  • Multipurpose tool, such as a Leatherman
  • Flashlight (and extra batteries)
  • Hand warmers
  • Battery-operated cell phone charger
  • List of emergency numbers (including emergency contacts, insurance agent)
  • Copies of important documents such as insurance cards, IDs, home inventory lists, etc.
  • Books, toys or other entertainment items for children
  • Extra clothing/shoes for inclement weather

Safety and Hygiene:

  • A first aid kit (make sure this kit has antiseptic, bandages, small scissors, aspirin or ibuprofen, hot and cold compresses)
  • “Help” or “Assistance Needed” sign
  • Feminine hygiene products
  • Diapers
  • Hand sanitizer
  • Personal sanitizing wipes
  • Surgical masks and gloves
  • Air horn or whistle
  • Necessary medications

Of course you can add additional items to your disaster preparedness kit in Phoenix, AZ depending on the needs of your family. Store your disaster kit in an easily accessible area, make sure you check your kit often and update it as things expire. For more information about a disaster preparedness kit, please visit Ready.gov.

We hope that you never need to use your disaster preparedness kit in Phoenix, AZ, but we hope that it will help get you and your family through the stress of a natural disaster. If a natural disaster does occur in our area, once your family is safe, call your insurance agent at Full Cycle Insurance in Phoenix, Arizona as soon as possible. They can help you get the claims process started. Whatever your insurance needs, the experts at Full Cycle Insurance can help. Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer like personal umbrella or flood insurance.

Disaster preparedness kit in Phoenix, AZNo one wants to think that they may be stuck in their home during a natural disaster, but the reality is natural disasters happen in every state in our country. During a natural disaster, keeping your family safe and comfortable is a top priority and having a disaster preparedness kit in Phoenix, AZ may help you.

A disaster preparedness kit for your home in Arizona should include these basics:

Food and Water:

  • Two week supply of bottled water
  • Two week supply of non-perishable food like crackers, protein bars, dried fruit, etc.
  • Infant food and formula
  • Pet food
  • Utensils and plates for each person

Shelter and Comfort:

  • Plastic sheeting
  • Duct tape
  • Sleeping bags for each person
  • Emergency blankets
  • Battery operated or hand crank radio
  • Emergency locator beacon
  • Multipurpose tool, such as a Leatherman
  • Flashlight (and extra batteries)
  • Hand warmers
  • Battery-operated cell phone charger
  • List of emergency numbers (including emergency contacts, insurance agent)
  • Copies of important documents such as insurance cards, IDs, home inventory lists, etc.
  • Books, toys or other entertainment items for children
  • Extra clothing/shoes for inclement weather

Safety and Hygiene:

  • A first aid kit (make sure this kit has antiseptic, bandages, small scissors, aspirin or ibuprofen, hot and cold compresses)
  • “Help” or “Assistance Needed” sign
  • Feminine hygiene products
  • Diapers
  • Hand sanitizer
  • Personal sanitizing wipes
  • Surgical masks and gloves
  • Air horn or whistle
  • Necessary medications

Of course you can add additional items to your disaster preparedness kit in Phoenix, AZ depending on the needs of your family. Store your disaster kit in an easily accessible area, make sure you check your kit often and update it as things expire. For more information about a disaster preparedness kit, please visit Ready.gov.

We hope that you never need to use your disaster preparedness kit, but we hope that it will help get you and your family through the stress of a natural disaster. If a natural disaster does occur in our area, once your family is safe, call your insurance agent at Carr’s Insurance Agency in Phoenix, Arizona as soon as possible. They can help you get the claims process started. Whatever your insurance needs, the experts at Carr’s Insurance Agency can help. Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer like earthquake or flood insurance.

You get a bill every month (or every six months depending on your preference) for your auto insurance premiums in Phoenix, AZ. Your policy details what is covered and what is not. What it may not detail is how the policy cost was determined. There are many factors that go into an individual auto policy price and likely, no two auto policies are the same since the factors largely depend on the insured driver.

Auto insurance premiums in Arizona may be determined by:

Auto Insurance Premiums Phoenix, AZ

  • Driving History: The most obvious factor is your driving history. Drivers that have accumulated many accidents and tickets typically pay more than those who don’t. Same goes for freshly minted drivers (of any age) and those who have not had insurance for an extended period of time regardless of the circumstance. While some of the factors cannot be mitigated, a few can. Staying alert and following the rules of the road can reduce the likelihood of accidents or tickets, thus potentially reducing the cost of your auto insurance premiums.
  • Age: Age is one of those factors that cannot be helped. The younger you are, they higher risk you are considered. While society considers you an adult between 18 and 21, the insurance industry considers you an adult at the age of 25 which is when insurance premiums tend to drop a bit for the matured driver. Another factor you can’t change? Your gender. In the great battle of the sexes, women take the lead on this one as they tend to be safer drivers as a whole. Women tend to take fewer risks when driving, giving females an advantage when it comes to insurance premiums as they tend to pay less than their male counterparts.
  • Location: Do you live in an area that is prone to car prowls or do you live a significant distance away from work? These are factors that will figure into your insurance premium. Statistically, the more you are on the road, the greater the likelihood that an accident may occur. So if you commute a long way to work (notice on your insurance application they ask you the distance from home to work?) you may incur a higher auto insurance premiums than someone who lives within a few miles of their workplace.
  • Make/Model: While that little red sports car is a tempting buy, you will likely end up paying more for your auto insurance than say a family sedan. Not that you should be discouraged from buying the sports car of your dreams, just make sure you talk to your insurance agent prior to your purchase so you can be aware of the potential rate change.
  • Type of Insurance Plan: Did you go for the “platinum” insurance package? You know the one: maximum coverage and a low deductible? A lower deductible means a higher upfront policy rate. Drivers who opt for the minimum coverages required by law in their state and a higher deductible may pay less for their policy. Make sure you ask your agent about your state’s required insurance coverages!
  • Credit : A final factor that determines car insurance premiums? A credit score. This is kind of a sensitive subject as there are some states like California that forbid the use of a credit information for an insurance policy. A credit score is used to assess risk, the thought being the higher the credit score the lower the risk, but that is not always the case. An overall driving history is the best indicator of risk, regardless of a credit score. You can check with your agent to see if your state allows the use of a credit score in determining insurance policies.

There you have it folks. There are so many factors that influence the cost of auto insurance premiums. Since most policies renew every six months, the cost fluctuates each time depending on your situation. Make sure you let your licensed insurance agent in Phoenix, Arizona know if you purchased a new car, had an accident or ticket, or if you changed your name (marriage, divorce, etc.). The local, independent agents at Carr’s Insurance Agency can assist you with adding or amending an existing policy or setting you up with a new policy. Their years of insurance experience can save you a bundle. You can also visit their insurance website 24/7 to learn more about auto insurance or the other insurance products they offer like classic car or home insurance.

 

You get a bill every month (or every six months depending on your preference) for your auto insurance premiums in Phoenix, AZ. Your policy details what is covered and what is not. What it may not detail is how the policy cost was determined. There are many factors that go into an individual auto policy price and likely, no two auto policies are the same since the factors largely depend on the insured driver.

Auto insurance premiums in Arizona may be determined by:

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  • Driving History: The most obvious factor is your driving history. Drivers that have accumulated many accidents and tickets typically pay more than those who don’t. Same goes for freshly minted drivers (of any age) and those who have not had insurance for an extended period of time regardless of the circumstance. While some of the factors cannot be mitigated, a few can. Staying alert and following the rules of the road can reduce the likelihood of accidents or tickets, thus potentially reducing the cost of your auto insurance premiums.
  • Age: Age is one of those factors that cannot be helped. The younger you are, they higher risk you are considered. While society considers you an adult between 18 and 21, the insurance industry considers you an adult at the age of 25 which is when insurance premiums tend to drop a bit for the matured driver. Another factor you can’t change? Your gender. In the great battle of the sexes, women take the lead on this one as they tend to be safer drivers as a whole. Women tend to take fewer risks when driving, giving females an advantage when it comes to insurance premiums as they tend to pay less than their male counterparts.
  • Location: Do you live in an area that is prone to car prowls or do you live a significant distance away from work? These are factors that will figure into your insurance premium. Statistically, the more you are on the road, the greater the likelihood that an accident may occur. So if you commute a long way to work (notice on your insurance application they ask you the distance from home to work?) you may incur a higher auto insurance premiums than someone who lives within a few miles of their workplace.
  • Make/Model: While that little red sports car is a tempting buy, you will likely end up paying more for your auto insurance than say a family sedan. Not that you should be discouraged from buying the sports car of your dreams, just make sure you talk to your insurance agent prior to your purchase so you can be aware of the potential rate change.
  • Type of Insurance Plan: Did you go for the “platinum” insurance package? You know the one: maximum coverage and a low deductible? A lower deductible means a higher upfront policy rate. Drivers who opt for the minimum coverages required by law in their state and a higher deductible may pay less for their policy. Make sure you ask your agent about your state’s required insurance coverages!
  • Credit : A final factor that determines auto insurance premiums? A credit score. This is kind of a sensitive subject as there are some states like California that forbid the use of a credit information for an insurance policy. A credit score is used to assess risk, the thought being the higher the credit score the lower the risk, but that is not always the case. An overall driving history is the best indicator of risk, regardless of a credit score. You can check with your agent to see if your state allows the use of a credit score in determining insurance policies.

There you have it folks. There are so many factors that influence the cost of auto insurance premiums. Since most policies renew every six months, the cost fluctuates each time depending on your situation. Make sure you let your licensed insurance agent in Phoenix, Arizona know if you purchased a new car, had an accident or ticket, or if you changed your name (marriage, divorce, etc.). The local, independent agents at Full Cycle Insurance can assist you with adding or amending an existing policy or setting you up with a new policy. Their years of insurance experience can save you a bundle. You can also visit their insurance website 24/7 to learn more about auto insurance or the other insurance products they offer like classic car or home insurance.

There is a phrase that can strike fear into the heart of any homeowner: Water and sewer backup.

Those words bring up images of nasty, germy water and a lengthy clean-up. But don’t fret! There are certain steps that a homeowner can take to reduce the risk of a water or sewer back-up crisis.

  • Check around the home, foundation, basement, etc. for cracks that water or sewer waste can enter. Repair and fill any cracks
  • Ask a plumbing professional to see if your system can accept a shut-off valve to be used in case of a back-up emergency.  Your insurance agent can refer you to licensed professional.
  • If you live on or below a floodplain take steps to ensure that furniture and valuables are stored above the flood line.
  • Do not pour grease down sinks or toilets
  • If a water or sewer back-up occurs do not attempt clean up without protection: gloves, face masks and eye protection.

Generally a water or sewer back up is caused when heavy rains or floodwaters over run the sewer system. Debris from rainstorms or natural disasters can also clog the system, potentially causing a nasty mess in your home.

While you may have a homeowners insurance policy in Arizona, water or sewer back-up can be costly and not necessarily covered. Typically, this is a separate policy endorsement.  Homes that are located on hills, mountains, or other raised plateaus may have a lower likelihood of a water or sewer back up than homes located on low or flat plains. Homes that are in particularly arid climates where heavy rainfall is unusual (don’t forget about monsoons!) may this claim may bot be as common, but certainly isn’t unheard of. Talk to your licensed insurance representative at Full Cycle insurance to learn more.

Not sure if water sewer backup coverage is for you? A quote takes only a few minutes. Call today and talk to an agent.