Does Comprehensive Insurance Cover Animal Damage?

To effectively safeguard their financial investments in their homes, residents of Scottsdale, AZ, need to select a trusted and reliable insurance provider. Encased within our licensed insurance agency, our agents are devoted to ensuring that your insurance plan is meticulously tailored to meet your individual requirements. Our quintessential service, coupled with the goal of exceeding customer expectations, guarantees that you receive both insurance and support throughout the lifecycle of your policy.

Understanding Home Insurance Protection

Homeowners Insurance Group in Scottsdale, AZ offers various coverage, including protection from certain animal-related damages. However, it is essential to review the inclusions and exclusions in your policy carefully. In most cases, insurance companies cover damages caused by larger animal species but will not cover damages instigated by house pets.

Addressing Uncovered Damages

For instance, if your dog chews your furniture or your cat accidentally breaks an irreplaceable item, your insurance policy won’t cover these particular instances. Also, expenses resulting from damage by pests or wildlife might not be covered entirely by your insurance policy. However, these additional costs can be handled via a rider or a separate policy. Therefore, discussing the breadth of your coverage with your insurance company is imperative to ensure you have adequate protection against all potential animal-related liabilities.

Quality Home Insurance Near Scottsdale, AZ

Choosing the right home insurance is critical for homeowners in Scottsdale, AZ, who want to adequately cover their financial investments. Our licensed representatives at Homeowners Insurance Group are looking forward to assisting you with a homeowner insurance package tailored to your unique needs. Contact us today to discuss our broad range of coverage options and get your property insured quickly and conveniently.

Arizona Auto Insurance: Your Guide to Protection on the Road

Homeowners Insurance Group in Scottsdale, AZ is your go-to for all of your auto insurance needs, as our agents are always on standby. We pride ourselves on providing the necessary background information on every available auto insurance policy so that our clients are able to choose the one that is best for them. Let’s take a closer look at some of the best tips and pointers so that you can remain protected on the Arizona roadways.

Remove Unnecessary Coverage

The importance of an experienced insurance agent will reveal itself when it is time to go over your policy. Are there any unnecessary coverage aspects that have to be removed? If so, this is the perfect opportunity to do just that. The last thing that you need is an overstuffed policy that does not actually provide the correct amount of protection.

Knowing The Basics

For starters, a larger car is going to require a much different insurance policy from a smaller one. The more expensive a car may be, the more likely it is to need a different insurance policy as well. Meanwhile, hybrid and eco-friendly cars can also qualify for policies that you were not previously aware of. Take a moment to learn the basics so that our agents can make your consultation even easier.

Anti Theft Devices Are Key

The simple installation of one of these devices can provide untold peace of mind for the motorist in question. Best of all, the motorist may even qualify for policies that they were previously unaware of. Ask our agents about any other devices or improvements that can be made that will work to your benefit over the short term and long haul.

Consult With Us

When you are looking for the proper protection for your automobile, you need the sort of experience that Homeowners Insurance Group in Scottsdale, AZ. Stop by or give us a call as soon as possible so that we can start the process of guiding you and your vehicle in the right direction.

Three things to do when you buy auto insurance

Purchasing an auto insurance policy that gives you the coverage you need is essential. Motorists in Scottsdale, AZ can rely on us at Homeowners Insurance Group for quality insurance coverage.

There are several things you need to do when you buy an auto insurance policy.

The following are three essential things to do when you’re in the process of buying an auto insurance policy:

Learn about the types of auto insurance coverage

It’s important that you understand the types of auto insurance coverage that are available so that you can decide what you want your policy to include.

Make sure you know what liability, collision, and comprehensive coverage are. You should also learn about some other policy options like uninsurance/underinsured motorist coverage and roadside assistance coverage. 

Compile any documents you need

You should have a few documents handy when you contact auto insurance companies. You’ll need your driver’s license to provide your driver’s license number and details.

You should also have your vehicle title so that you can provide your vehicle’s year, make, model, and VIN number to the insurance company. 

Contact auto insurance companies to get quotes

It’s always important to get quotes from a few different auto insurance companies so that you can compare them.

Auto insurance providers are typically happy to give out policy quotes if you call them or visit their website. You can also use comparison websites online to get a general idea of what various insurance companies will charge you. 

Reach Out To Us

Are you looking for a quote on an auto insurance policy in Scottsdale, AZ? We can help you with that at Homeowners Insurance Group. Call us or contact us online to explore our coverage options. 

Documents that you should always carry in your vehicle

Most of us take the fact that we can drive for granted. We need to have a vehicle to get around, to get to work and all the other activities that make up our lives. At Homeowners Insurance Group in Scottsdale, AZ we are independent insurance agents who can offer our customers the most choices and pricing. We know we work for our customers, and we will do the hard work of comparing carriers for you. 

Documents that you should always carry in your vehicle

Driver’s license

Since many people use their driver’s license as a form of ID, it is usually on their person at all times. This means that when you are in your vehicle your license will be there with you. This is essential to keep you from getting a ticket and a potential fine if you are pulled over by the police and asked to produce it. 

Insurance card

When your auto insurance renews, you will be sent a copy of your policy along with your insurance cards. If you don’t get paper copies but have opted for digital, your insurance cards will be available to print on the insurance website. This should then be placed in your glove box or another safe place in your vehicle. A document holder that attaches to your visor is also a good storage place. 


Your vehicle must be registered in the state of Arizona if you are a resident. The first registration is done at the DMV and when it is time to renew it can be done online. You need to print out the paid registration form and keep it in your vehicle. Placing it with your insurance card makes it easy to produce if the need arises. 

Get Auto Insurance Today

Contact Homeowners Insurance Group in Scottsdale, AZ to get a review of your current auto insurance or to discuss a new policy. 

Victim Of A Hit And Run? How To Handle Your Insurance Claim

It’s scary to be involved in a hit-and-run accident, and it can be tough to figure out exactly what to do to file your insurance claim. Here, we’ll take a look at everything you need to know to move forward with your insurance company after a hit-and-run accident. 

Call The Police. 

You’ll need a police report when you file your insurance claim. As soon as you’re safely able to pull over and call the police, do so. Tell them anything you remember about the car that hit you. Take your time and do your best to remember all the details of the accident as the police ask you questions.

Take Pictures. 

When you’ve been involved in a hit and run, it can be hard to remember everything that happened during the incident. As soon as you’re safely able, take pictures of your vehicle and the area in which the accident occurred. 

Contact Your Insurer As Soon As Possible.

Your insurance claims advocate will ask you for many details regarding the accident, and the sooner you’re able to call and file your claim, the better you’ll be able to remember the details. As soon as the police report has been filed, reach out to your insurer for the next steps. 

Need A New Auto Insurance Policy? Homeowners Insurance Group, Serving Scottsdale, AZ, Can Help

Reach out to Homeowners Insurance Group, serving Scottsdale, AZ, for help with all your auto insurance needs. Reach out or stop by today to learn more about purchasing an auto insurance policy that keeps you protected on the road.

Common Things Auto Insurance Covers

When buying an auto insurance policy from Homeowners Insurance Group, serving Scottsdale, AZ, it is crucial to understand what your policy is likely to cover. The following options are among the most common and will help make it easier for you to choose a policy that makes sense for your needs as a person and a car owner.

Your Common Coverage Choices 

When buying your auto insurance policy, make sure to seek out the following protection options to ensure that you have the maximum level of coverage for your needs as a driver:

  • Liability Help – If someone gets injured due to your actions while driving a car, your policy will pay for both property damage and bodily injury, ensuring that you don’t have to pay yourself. 
  • Underinsured Protection – Have you ever been hit by a driver who had a poor policy or none at all? This protection helps to minimize your financial difficulties.
  • Comprehensive Coverage – These policies help to cover damage to vehicles caused by various things, including vandalism, fire, hail, and even theft. 
  • Collision Protection – When your vehicle gets damaged in an accident that you did not cause, your collision policy will protect you and keep you from financial struggles. 
  • Medical Payment Help – If you or your family members are hurt in your car while driving, this policy option helps to pay for their medical treatment coverage.
  • Other Coverage Choices – Many policies include personal injury protection, gap coverage, towing, ride-sharing, sound system, new car replacement, and classic car insurance policies.

Make Sure That You are Protected 

Are you a car owner in the Scottsdale, AZ area, and want to ensure that you get the coverage you need? Then, please don’t hesitate to contact us at Homeowners Insurance Group to learn more. 

4 common myths about auto insurance in Scottsdale, AZ

The process of buying auto insurance is not always fun as buying the car itself. Some people think it’s expensive, complicated, and time-consuming. And to top it all—it’s mandatory. Maybe that’s why there is a lot of myths and misinformation about the entire policy. At homeowners Insurance Group, we are all about making the whole process as simple as possible. We also provide you with information to ensure you make an informed decision. With that said, here are four common myths about auto insurance you should know.

Red cars are costly to insure

Nobody will ask you about your car’s color in Scottsdale, AZ because the color doesn’t affect your insurance rates. However, critical information like model, engine size, and body type play a massive role in determining your insurance cost. Insurers also take into account your driving records and where you live.

Your insurance pays your medical bills if you are injured.

This is only true if you have personal injury protection or medical coverage. Your car insurance is designed to protect other road users and not the driver. Therefore, if your car gets damaged or injured in an accident that you caused, your policy will not cover you.

The older you are, the higher your rates.

It’s actually the opposite. Younger drivers are likely to pay higher rates than older drivers. Older drivers also get discounts, particularly when they pay on time, bundle their policies, or insure their vehicles for more than five years.

You only need liability, which is required by law.

Before you can register your vehicle in Scottsdale, AZ, you must show financial responsibility by getting the minimum liability coverage. Believing that you only need liability can have costly consequences as most accidents go beyond liability. You might be forced to dig into your pockets to pay various damages and injuries if an accident occurred.

Still need clarification about auto insurance? Our friendly insurance advisors at Homeowners Insurance Group can answer all your questions and ensure you get a policy that takes care of your needs. Contact us today.

Auto Insurance for Young Drivers

If you’re young and you’re driving your first car that you’ve ever owned or are upgrading, there may be some aspects of auto insurance with which you are not familiar. Luckily, Homeowners Insurance Group has you covered. Learn how you can stay protected on the Scottsdale, AZ roads, and know the in’s and out’s of auto insurance with Homeowners Insurance Group. 

What Does Auto Insurance Cover?

Auto insurance provides you with financial coverage in case you get into an accident. You are provided with financial protection in the form of cash in case you are responsible for damage or repair fees. Here are some common areas in which auto insurance provides coverage: 

  • Liability
  • Injury
  • Property damage
  • Medical costs
  • Repair 

These are just some of the areas in which auto insurance provides coverage. To know exactly what you are eligible for and what coverage is best for you, visit Homeowners Insurance Group for a consultation. 

What Coverage Type is Best for Young Drivers?

For younger, newer drivers, the best type of coverage is full coverage. It does cost a little more but includes everything you would need in the case of an accident. The roads can be unpredictable, so it’s better to be prepared. It’s always more beneficial to have coverage and not need it than it is not to have coverage and desperately need it. Let the professionals at Homeowners Insurance Group get you the coverage you need. 

Get Protected with Homeowners Insurance Group

To help you stay protected on the Scottsdale, AZ roads, Homeowners Insurance Group is here to help you find the coverage you need. While full coverage is recommended for younger drivers, Homeowners Insurance Group is here to work with you so you can get the coverage that works best for you. You can contact them online or over the phone for a consultation.