Documents that you should always carry in your vehicle

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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. 

Registration

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. 

Commercial insurance that most small businesses can benefit from

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The vast majority of businesses in the United States are small businesses and small business owners face many risks. You can’t do much to lower the risks except to make sure that you have the right commercial insurance to protect you if a hazard hits.  Our agents at Homeowners Insurance Group in Scottsdale, AZ can personalize your commercial insurance for you and your business. We will make sure you will be able to survive a disaster.  

These are some coverage that your business can benefit from:

Property coverage

Commercial property insurance offers a lot of protection to a small business. Even if you don’t own the building or if you have your business in your home, it can still be very valuable. It covers the things you use in your business. Things like tools for a plumber, display cases, and racks for a store. It also covers your inventory and raw materials and all the office equipment and machinery.  These are the things that help you to make money, so you need them replaced asap. 

Liability insurance 

Businesses get sued all the time. As a matter of fact, about a third of all businesses get sued every year. That makes your risk pretty big. With liability insurance, you will have the money to pay for legal fees and a judgment if you should lose the case. This could make all the difference to whether or not your business can continue to operate. 

Business interruption insurance

When a covered hazard hits your business, you will not have any income coming in. Unfortunately, your bills don’t stop just because your income stream does. With this insurance, you will be able to meet your obligations and hold out until you are able to get back to business as usual. 

Give Us A Call

Contact Homeowners Insurance Group in Scottsdale, AZ to discuss your commercial insurance and how we can help your business. 

Does Home Insurance Cover My Electronics?

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In a modern world, electronics are a big part of our lives. They make our lives easier, connect us to the world, and provide entertainment. When something happens to your home and belongings, you want to be sure that your home insurance will cover your electronics. Unfortunately, home insurance has limitations for electronics. Homeowners Insurance Group in Scottsdale, AZ is here to guide you through this important insurance coverage.

What Most Standard Home Policies Say About Electronics

Most home insurance policies have limited coverage for electronics. The limit is usually $2,500 for all electronics combined. This includes computers, tablets, smartphones, TVs, and other electronics. The limit may be higher if you have a home office, but it is usually limited to $5,000.

The costs of your devices add up quickly. The total could easily be over $2,500 if you have a new computer, phone, or device. If you have an older computer, the limit may not be enough to cover the replacement cost. If your home is burglarized or damaged in a fire, you may not replace all of your electronics.

Your Homeowners Insurance Group can help you get the coverage you need for your electronics. We offer additional personal property coverage that can be added to your home insurance policy.

What You Can Do To Protect Your Electronics

There are a few things you can do to help protect your electronics. You can add an endorsement or rider to your home insurance policy. This will increase the limit on your electronics coverage. You can also purchase a separate insurance policy for your electronics. This is called a personal property floater.

A personal property floater will cover your electronics anywhere in the world. It will also cover you if your electronics are damaged in a fire or stolen in a burglary. The cost of the policy will depend on the value of your electronics.

Give Us A Call

Learn more about home insurance coverage and electronics in Scottsdale, AZ by contacting the Homeowners Insurance Group. We can review your policy and help you get the coverage you need.

How to Choose the Right Life Insurance Policy

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There’s a lot to think about when you’re trying to choose the right life insurance policy. It’s also not something you can just put off and hope for the best. You need to ensure you have enough coverage to protect your loved ones in case something happens to you. Homeowners Insurance Group offers this guide in navigating this important coverage.

What Are My Life Insurance Options in Scottsdale, AZ?

There are two primary types of life insurance: term life insurance and whole life insurance.

Whole life insurance is exactly as it sounds. It’s lifetime coverage as long as you pay your premiums. Term life insurance covers you for a specific period, usually 10-20 years.

Another option is a universal life insurance policy that offers both term and whole life insurance. This policy gives you more flexibility in how much coverage you need and when you need it. The difference between whole and universal life is that it’s based on market value, not just a set premium payment.

For help understanding the different types of life insurance policies, contact the experts at Homeowners Insurance Group.

How Much Life Insurance Do I Need in Scottsdale AZ?

This is probably the most critical question when you’re trying to choose the right life insurance policy. There are a few things to consider when trying to figure out how much coverage you need.

First, you need to consider how many dependents you have. This includes your spouse, children, and other family members who rely on you for financial support.

You also need to think about your current debts and future expenses. This includes mortgage, car payments, credit card debt, student loans, and other outstanding debts.

Last, income plays a role in how much life insurance you need. If you’re the primary breadwinner for your family, they will need enough money to replace your income if you die.

Contact Us Today

When choosing the right life insurance policy for you and your loved ones, it’s essential to consider all your options. The team at Homeowners Insurance Group can help you find the right policy for your needs.

Life Insurance Coverage: Who Needs It?

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When it comes to life insurance, a lot of people don’t think they need life insurance. There is more than one benefit of obtaining life insurance that you may not realize. Here’s what you need to know about life insurance in Scottsdale, AZ and how Homeowners Insurance Group can help you get the coverage you need.

Who Needs Life Insurance?

Believe it or not, everyone needs life insurance. If you’re a parent, life insurance can help you with the everyday expenses of raising children and saving for their college tuition or other essential milestones. As a spouse, life insurance guarantees that you’re covered for any shared expenses, including loans. If you’re a student, obtaining a life insurance policy can help with federal student loans. These loans are forgiven if you pass away. However, private student loans will be transferred to the co-signers. Having an active life insurance policy protects your loved ones from carrying this debt.

As an entrepreneur, life insurance can help keep the business running by naming a business partner as your life insurance beneficiary. You will also benefit from having life insurance if you’re a caretaker. Whether you’re providing care for an adult child or aging parent, a life insurance policy can help your relatives find a new caregiver if something happens to you.

Contact Us Today

Here are a few takeaways regarding life insurance. This type of insurance provides your family with financial protection when you pass away. Buying life insurance when you are in your twenties and thirties can save you money on your premiums in the long run. Life insurance can take care of your funeral costs, your family’s everyday expenses, and any debts you might leave behind. 

Homeowners Insurance Group is dedicated to providing Scottsdale, AZ residents with insurance options. Contact us today to learn more about our insurance services.

Do I need umbrella insurance?

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You’ve worked hard to earn your money and the last thing you want is for that cash to be ripped away from you because of a lawsuit or accident. As you accumulate more wealth, the larger a target you become to be sued, because people know that you have the assets available to lose. The best way to protect yourself and your money is to purchase an umbrella insurance policy. Included in every insurance policy from homeowners to auto is liability coverage which protects you from having to pay for damages incurred, medical bills, or any other fees associated with a third party or their property being injured in an accident that you cause.

Similar to any other insurance policy that you carry, liability coverage includes a maximum amount that your insurance company will pay – anything beyond that is your responsibility. Let’s say that you were the at-fault driver in a three-vehicle pile-up that caused $750,000 in damage. Your existing auto liability policy caps at $500,000, which means that you need to come up with the extra $250,000. Luckily, this is where umbrella insurance comes into action by continuing to offer liability coverage above and beyond your existing policies to ensure more broad and far-reaching coverage. In addition, umbrella insurance protects not just you, but all other members of your household – spouse, children, and animals. 

If you have a significant net worth and don’t have an umbrella insurance policy, act fast by contacting the Homeowners Insurance Group in Scottsdale, AZ. We’ll schedule a one-to-one no-obligation consultation with one of our knowledgeable insurance professionals to walk you through the benefits of umbrella insurance and set you up with the right policy for you and your family’s needs. 

 

How Do I Know if I need Flood Insurance?

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With climate change generating more natural disasters – including floods – in otherwise unexpected areas, the need and popularity of flood insurance are on the rise. Although your home may not be located in a common flood area, that does not mean that disaster can’t strike, with FEMA estimating that even an inch of water can cause upwards of $25,000 in damage. 

If you live in a coastal or flood-prone area, you are likely required to have flood insurance. If you have a mortgage through a federally banked lender such as the VA or FHA, then having flood insurance will be a condition of your home purchase. To determine if your home is in a flood zone, FEMA’s website maintains a Flood Map Service Center to check the address. When using this resource, keep in mind that FEMA is responsible for the entire United States, and their flood map may not be updated in real-time. 

Contrary to public opinion, flood coverage is not likely to be included in your homeowner’s insurance policy and must be purchased separately. Typically, a flood policy will cover your home’s foundation to include all electrical and plumbing systems and personal property such as furniture and electronics. Additionally, suppose you are forced to relocate because your home is inhabitable due to a flood. In that case, your flood insurance should include coverage to chip in and help pay for those living expenses. 

Whether you live in a flood zone or not, flood insurance should be a priority for all homeowners. At Homeowners Insurance Group in Scottsdale, AZ, our dedicated team of insurance professionals will help you select the right policy for your needs. Give us a call today to schedule a no-obligation consultation with a member of our team. 

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

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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.

Different Ways That Arizona Business Owners Can Amend Their Commercial Insurance Policy

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Homeowners Insurance Group serves the Scottsdale, AZ community. We are committed to helping our clients obtain the coverage they’re looking for. We want to make sure that our clients are protected in every situation. We offer flexible policies that are designed to evolve as our clients’ needs change over time.

Different Ways That Arizona Business Owners Can Amend Their Commercial Insurance Policy

As a Scottsdale, AZ business owner, you have to juggle multiple responsibilities. It’s important to build a good foundation. Obtaining a strong commercial insurance policy can help alleviate a lot of stress. The policy protects the future of your business in multiple ways. You are covered if your inventory or equipment is damaged or stolen. You are also covered if your property suffers damage due to a fire or inclement weather.

Liability coverage protects your business if you are held responsible for causing injuries or other types of damages. Workers compensation covers your business if there is an injury in the workplace. Workers comp will take care of your employees’ medical treatment. Commercial insurance policies are known for their flexibility. Here are a few ways that you can amend your policy to add extra coverage.

Business Interruption Coverage

Business interruption coverage protects your business through giving you a safety net in the wake of a disaster. If your place of operation suffers extensive damage, you may be unsure of your next move. Business interruption coverage helps you continue to operate your business as usual while your property is repaired.

Professional Liability Coverage

Professional liability coverage protects your business if one of your employees makes a serious error while performing a task. You’ll have a layer of protection as you fight the allegations of negligence.

Homeowners Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about commercial insurance.

3 Facts you need to know about life insurance for the self-employed

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Working for yourself can be a dream. But, in reality, it comes with added responsibility.

Being your own boss can be rewarding. It offers freedom and control as you watch your business grow. Yet, unlike a traditional job, you have heightened uncertainty and less security. You alone must absorb these risks. Fortunately, there are ways to protect your interests. Life insurance is at the top of the list.

Homeowners Insurance Group wants to help ensure you’re prepared. Located in Scottsdale, AZ, their skilled agents list three facts about life insurance.

Life insurance is custom.

Just like your business, a life insurance policy should be unique. The two most common types are term life and permanent life. As the name implies, term life will expire after a set number of years. Depending on age, gender, health, and other factors, term life can be much more affordable when compared to permanent plans.

Life insurance shields your business.

Your business is your legacy. You’ll want it to continue after you’re gone. Life insurance makes that a possibility. Payouts from these policies can keep finances in line, covering debt, loans, or expenses that may be outstanding. It can even help fund a selling agreement for a partner or beneficiary.

Life insurance protects personal matters too.

Life insurance provides for your family as well. Any dependents rely on your income. In addition to paying medical bills or long-term care, it may also cover funeral costs. This money may also pay off any mortgages or credit cards so your family doesn’t have to absorb this burden.

Find an agent serving Scottsdale, AZ

If you run a small business or are self-employed, Homeowners Insurance Group can help. Serving Scottsdale, AZ, they will construct a life insurance policy that’s right for you. Schedule an appointment today.