Save on Renters Insurance with Home Security & Protective Devices

Renting a house or apartment is a flexible, affordable option for many. Despite a large amount of people renting today, many renters are uninsured. Only 37% of renters had insurance, compared to 95% of homeowners who have home insurance. This statistic is a little troubling to your agents at INW Insurance Solutions because we know that renters insurance is meant to protect you and your items. Just because you’re renting your home doesn’t mean you’re safe from your valuable possessions being stolen in a burglary or damaged from severe weather. The other 63% of renters who do not have insurance are going to have to pay more when replacing their stolen or damaged valuables than they would have paid in buying insurance.

When You Need Renters Insurance

Renters insurance may not be required like most homeowners policies are, but they are extremely beneficial to have. Landlords may have insurance for the building, but this will not cover your personal belongings. Without renters insurance you would be responsible to replace your expensive electronics or clothing that have been stolen or damaged.

People may not realize how renters insurance works in a variety of situations to ensure you and your items are covered. It not just limited to protecting your items inside your home. Renters insurance can provide coverage for your items that are lost or damaged elsewhere such as in your car. Renters insurance could also provide coverage for additional living expenses in the event that your home is damaged in a covered loss. If someone is injured in your home or apartment and a lawsuit is thrown your way, renters insurance also offers liability coverage.

How to Save on Your Renters Policy

Renters insurance has a few extra perks, too. Live in a guarded or gated community? Have a fire extinguisher? Not only are these items essential for a safe home, they can end up saving you money, too! Our insurance carrier, Traveler’s, offers discounts for items you may already have installed in your house or apartment. If you have protective devices such as smoke detectors or alarms, interior sprinklers, or home security systems, you can save extra on your renters policy. Call INW Insurance Solutions today so we can go over your coverage and determine if your eligible for these discounts and more! As we review policies, we can also bundle other lines of insurance such as auto or umbrella to save you more on your renters insurance policy.

Keep your home safe with a great renters insurance policy from INW Insurance Solutions and protective devices. You don’t have to own the home you’re living in to have great protection for your possessions. And if your living situation changes or owning a home becomes a better option, INW Insurance Solutions also makes the transition from a renter’s insurance to a homeowner’s policy quick and easy! Call us today or visit our office in Mesa, AZ to discuss possible discounts on your renters insurance policy and more.

Get More Liability Coverage With Umbrella Insurance

Umbrella Coverage

We all need several types of insurance to be covered for the worst happening. However, simply having a home or auto insurance policy doesn’t mean that you have enough liability coverage. If you settled for the minimum insurance coverage that was required, chances are that you have little liability coverage. An umbrella insurance policy is a way to boost the amount of liability coverage you have for both home and auto insurance. If you’re interested in an umbrella policy, call us at INW Insurance Solutions in Mesa, AZ.

Liability Insurance

Your home and auto policies will each have some liability included in the, but consider how much you could owe if the worst should happen. In the case of accidents, lawsuits can be extremely costly. If you are found at fault for them, you could be out large sums due to medical bills alone. That’s where umbrella coverage comes in. It gives you extra liability protection for both your home and auto insurance policies. After those policies have paid out to their maximum, an umbrella policy then pays the rest, up to its maximum. This greatly increases the amount of liability protection you have. 

Why Get an Umbrella Policy?

Umbrella policies are inexpensive. They offer large coverage amounts for relatively little. If you were to increase the liability coverage you have in your home and auto policies, it could cost much more to do so than to get an umbrella policy. 

Get an Umbrella Policy

If you want greatly expanded liability coverage, call us at INW Insurance Solutions in Mesa, AZ for a talk with an insurance agent. You could be getting more coverage for your money and have the peace of mind it brings. 

Variables That Arizona Residents Should Think About While Researching RV Insurance

INW Insurance Solutions serves the Mesa, AZ community by offering residents multiple types of insurance policies. We are committed to helping our clients find coverage that suits their individual needs. As an independent insurance agency, we have established successful partnerships with several carriers throughout the Pacific Northwest.

RV Insurance Variables

Traveling around Mesa, AZ in an RV gives you the opportunity to enjoy different settings while still experiencing the comfort of home. RV insurance allows you to protect your vehicle while you are traveling around. RV insurance protects you if you are involved in a collision and your vehicle suffers damages. You’ll also be covered if your vehicle is vandalized or if your personal items inside of the RV are stolen. Here are some variables to consider while researching different policies.

The Type Of RV That You Have

Your policy may vary depending on the type of vehicle that you have. If you have a smaller RV, you may need a different type of coverage compared to if you have a larger RV. You will also have to consider whether you use the RV on a regular basis or if you only use it occasionally.

Getting Your RV Appraised

Having your RV appraised is a good idea to help determine its true value. This is important if you plan to renovate your RV in the future. You can amend your policy to cover any special accessories on your RV.

Storing Coverage

If you plan to store your RV during the winter or whenever you do not plan to use it, the policy will cover you. Accidents can happen at any time and you will have peace of mind in knowing that your RV will be covered if it is accidentally vandalized.

Consult With INW Insurance Solutions

For more information on RV insurance, visit our website today!  

When Do You Need a Home Warranty?

Strange noises? Bad smells? Lights flickering on and off? Before you think your house is haunted, your independent agents at INW Insurance Solutions can assure you, it’s no ghost. The culprits behind these spooky occurrences could be anything from a leaky faucet, broken garbage disposal, a faulty electrical system, or any other aging household appliances and systems. You may be wondering, does your home insurance policy cover this? Or do you really need a home warranty?

While home insurance policies and home warranties are designed to protect your home, they are not the same thing. The key distinction between a home insurance policy and a home warranty depends on the circumstance. Home insurance will cover the damages and losses to appliances/systems from unexpected events such as accidents, weather, or theft. For example, if your laundry machine is destroyed in a fire, home insurance will provide coverage. Meanwhile, if your laundry machine stops working due to normal wear and tear, a home warranty may help repair or replace it.

We recommend having both since a home insurance policy and a home warranty protect your house in unique ways. Only having one does not cover against everything that can happen. For example, if trick or treaters get injured on your property, a home insurance policy could cover liability and protect you against possible lawsuits.

Your household appliances and systems are essential to your home. Even new, properly maintained appliances and systems can break or malfunction without any notice. It can be expensive to replace major appliances like refrigerators or repair air conditioning issues. For such instances, having a home warranty is vital because a home insurance plan will not cover the aging or wear of your home appliances and systems. Having a home warranty in addition to your home insurance can be extremely beneficial in protecting your home against the unexpected.

Who you gonna call? INW Insurance Solutions. (Sorry Ghostbusters). We’ll make insurance a little less scary this Halloween season by working hard to find a plan that protects your home. Call us today to discuss adding a home warranty plan to your home insurance policy today. Our carrier, Safeco, offers a $25 discount on a home warranty contract but we have many other options to choose from. Go ahead and watch a horror movie, we’ll be here dedicated to finding you a plan that gives you peace of mind this Halloween season.

Do I need boat insurance in Mesa?

The Mesa, AZ area is a great place to live in or visit any time of the year. This area is well known for the long hot summers. If you are looking for a way to escape the heat, a great option would be to purchase a boat. When you are going to get a boat here, you need to consider your insurance needs which could include getting a full boat insurance policy. There are several reasons why you may need this coverage.

You Have a Boat Loan

One reason to get insurance is if you have a boat loan. Taking out a boat loan is a good option for many people as it will help to make the boat more affordable. If you have taken out a loan, it is important that you get the right coverage. The loan agreement will stipulate the type and level of insurance coverage that you need to have.

Local Requirement

Having boat insurance could also be a local requirement. Depending on where you want to use your boat in Mesa, you may be required to carry a full boat insurance policy. This insurance will give you liability protection in the event you cause an accident. Due to the benefits, many local waterways and marinas require owners to carry insurance.

Anyone that owns a boat in the Mesa, AZ area should seriously consider their boat insurance needs. To ensure that you pick the right policy to meet your needs, you should speak with the team at INW Insurance Solutions. When you do call INW Insurance Solutions, you can better understand how boat insurance can protect you. They can then help you to build a personalized policy that offers you the right coverage for you and your watercraft.

What Small Business Owners Need to Know about Insurance

Small mistakes can cause huge problems for small businesses. Not having insurance puts your business at risk against lawsuits, accidents, and other damages. Our agents want you to know that we will help find a plan for you, regardless of the industry your business is in. So, what type of insurance do you need? INW Insurance Solutions can help you figure that out by helping you discover the necessary and additional insurances you can consider for your business. Additionally, many of our carriers don’t just insure individual needs—they can insure your business too!

Worker’s Compensation Insurance
If you have employees, most states may require your business to have some type of insurance such as worker’s compensation. Worker’s compensation does not eliminate the risk of accidental injuries when employees are working, but it does provide coverage for employees when they are injured from work related instances. For example, Markel Specialty’s policy can provide benefits for lost wages, medical care, rehabilitation services, legal representation, and funeral expenses. After all, your employees are valuable to your business, so it is important to protect them.

Commercial Property Insurance
Don’t let a damaged sign or broken window be the first impression customers get when visiting your business. Whether your business is located in an office, retail store, or even inside your home, we recommend having commercial property insurance for your business. In the event of fire, storm, or vandalism, having property insurance can help relieve some stress since it can aid in restoring or replacing items including documents, equipment, and fixtures that were lost or damaged.

General Liability Insurance
No industry is exempt from a lawsuit. And all it takes is one bad lawsuit to shut your business down. Therefore, having general liability insurance is important in case your business is found to be responsible for injury or damages. General liability can help cover the costs related to medical and legal expenses. You can consider adding additional endorsements such as liquor liability, product liability, or fire legal liability with Nationwide which can enhance your basic policy to be more specific to your business.

Additional Insurance
Insurance for your small business proves to be necessary when the unexpected happens. As your business continues to grow, it would be best to update your plans and add more coverage such as commercial umbrella insurance. You may want to consider commercial umbrella insurance if you believe your business may be more vulnerable to costly lawsuits and damages that exceed your policy limits.


You’ve put your dreams and passion into your business. But have you thought about the risks that could put your hard work out of business? With INW Insurance Solutions, you can focus on your business entirely instead of worrying about comparing multiple insurance carriers. We work to find you the best protection for your business. Our carriers such as Nationwide and Markel Insurance provide great plans for small businesses. Give us a call or visit our office where we can discuss the specific details of the small business you have and offer recommendations on the plans that best match your needs.

Why Cheap Insurance Isn’t Cheap

Picking the cheaper option always sounds enticing, especially when it comes to thinking about ways on how to save money. Our paychecks dwindle away from rent, bills, car payments, and errands but is cheaper the best way to go with something like insurance? At INW Insurance Solutions, there is a big difference when it comes to the protection you’ll get with a cheap insurance option and an affordable one.

No one ever wants to pay more than they have to. During this difficult time where many are facing reduced hours or major life changes, you may be considering switching your insurance to a cheaper plan. However, getting cheaper insurance could end up costing you more. Cheap policies mean less protection and if something happens, a bigger out of pocket expense you’ll have to take care of. Cheap insurance sounds like a good deal until you realize you are putting your valuables and hard-earned money at risk.

A great insurance policy that meets your needs doesn’t have to be expensive. With 14 carriers including Travelers, Safeco, Nationwide and more to compare and research, your agents at INW Insurance Solutions look into policy and pricing options for you to find affordable and cost-effective coverage. Additionally, many insurance carriers are offering flexible programs and assistance to clients. When we find the right insurance and plan, you’ll be protected without feeling a toll on your bank account.

INW Insurance Solutions is always looking for ways to save you money without sacrificing quality. We’re also sharing our favorite money saving tips:
• Establish a budget: Track and determine how much you make and how much you spend. By doing so, you’ll be able to see what expenses can be reduced and where you can direct savings towards. Establishing a budget for items such as groceries or gifts can help prevent overspending.
• Set a goal: Paying off debt, saving up for a vacation, or just wanting to be prepared for emergency expenses are examples of goals you can work towards. Setting a goal will help you feel motivated to set money aside and invest into your savings.
• Have a “No Spending Day” once or twice a week: As simple as it sounds! For the day, don’t spend money on unnecessary purchases. If you have an impulse purchase…wait out the day and see if you still want it the following day. Soon, you’ll notice those days add up to big savings!

If you have any questions or want to review your coverage to adjust to your needs, visit our office or give us a call today.

Multiple Uses of Renter’s Insurance

Renter’s insurance covers far more than the contents of an apartment. This type of insurance also covers personal property storage units, boat or RV storage, garage spaces, private mailboxes, and other types of storage or rented units. INW Insurance Solutions of Mesa, AZ can help you obtain a policy that covers your belongings regardless of what type of structure you rent.

You probably think of renters insurance as something you need to get as soon as you rent your first apartment. You need it far before that though. As soon as you move from your parent’s home, you need to insure your belongings.

You might move into a student dorm, also called a residence hall if you attend college or vocational school. At college, you might also live in a sorority or fraternity house. In each of those situations, you need a renter’s insurance policy. The building insurance for each domicile protects your living space, but not your belongings.

If you need to store things during the summer or over the long-term, you will likely rent a storage unit. This requires the same type of insurance policy. While the storage unit would have insurance on its building, you would need to separate renter’s insurance for the personal items.

While you might get about 10 percent coverage of the value of your apartment policy for your storage unit, that typically amounts to about $1,000. That probably will not cover all of the belongings you have in storage.

Some self-storage facilities bundle insurance with the cost of their rental, but most independent companies require you to purchase your own. Similar to a home insurance policy, this type of policy covers major perils including fire, hail, short-circuit damage, smoke damage, theft, vandalism, and windstorms. Just like home insurance, renter’s insurance does not cover flood and in some areas, it does not cover earthquakes.

Why a Scheduled Personal Property Endorsement Matters

“Have you seen my ring? It was just here!” One moment you place your item down and the next it’s gone. We’ve all had those heart stopping instances (even here at INW Insurance Solutions). You turn the whole house upside down trying to find your prized possession. Finding it is the ultimate relief, but maybe next time you won’t be so lucky. It could get stolen, damaged, or lost forever which is why it is a good idea to consider an insurance policy for your items.

While your homeowners, condo, or renter’s policy may cover some items for certain situations, a scheduled personal property endorsement can provide total replacement for your specialty items. However, it’s not just for jewelry. It can cover other belongings such as collectibles and memorabilia, sporting equipment, firearms, musical instruments, fine art, and antiques. 

INW Insurance Solutions understands that your possessions are more than just items. Maybe they are gifts from a dear friend or something you worked hard to save up for. By getting a scheduled personal property endorsement, you’re not just protecting your belongings and assets, you’re protecting the valuable significance and cherished memories.  

Call INW Insurance Solutions today to talk us about which items you should endorse, the level of coverage you need, and see how we can help you.

Top 4 Motorcycle Safety Tips

Motorcycles can be both fun and dangerous. Be prepared before you go out for rides with safety precautions for you and any other riders on your bike. Part of this is having the right insurance for your motorcycle. An agent from INW Insurance Group of the Mesa, AZ area can assist you with getting your motorcycle insurance set up.
 
Have the Right Gear

 You will need to make sure that you wear the gear that will protect you the most. This includes a helmet that is designed for riding motorcycles as well as leather (or comparable) jacket that has the proper fit. It shouldn’t have any parts that are dangling off as these can get caught especially if you get into an accident. This should be the same for your gloves and boots which should have a good grip and not contain any loose, dangling parts. Kevlar and denim combination pants are ideal since they aren’t as hot as leather but still offer you protection. 

Education
 
You will need some training before you get a motorcycle. In fact, many states require that you have a specific license to operate this type of vehicle. You might take professional one-on-one lessons are go to a track school after you have some of the basics down.
 
Know Where to Look
 
Keep in mind that you should be looking straight ahead to the horizon while operating your bike. This way, you will be able to look out for obstacles at all times. Don’t keep your eyes trained on one or two objects.
 
Look Out for Escape Paths
 
When riding a motorcycle there can be many obstacles and you’ll need to know how to get away from them quickly. Avoid debris as much as possible and look out for guardrails that may be in the way of your escape path.
 
Be smart about your riding and get the insurance that is suited to your needs. Reach out to INW Insurance Group, serving the greater Mesa, AZ area. We’re here to make it a smooth process and give you the information you need to make a good decision.