The short answer is that renters insurance typically does cover liability claims. The longer answer starts with explaining why liability is even needed for renters. It’s because renters have some of the same responsibilities as homeowners. While they may not be required to fix a broken window or the damaged sink, they are required to provide a safe environment for anyone who may grace their path in Mesa, AZ. INW Insurance Group wants you to know how liability works, and what it means to have protection in case an unexpected event occurs.
Accidents and Injuries
Let’s say you invite a friend over to your home for a dinner party. During the party, your guest needs to use the bathroom. As they travel down the hallway to the restroom, they trip over one of your child’s toys that were left in the middle of the path. The guest didn’t see the toy because the light bulb in the hallway burned out and was never changed. You may be held liable in this case for any medical bills that result from the injury.
How much Does It Cover?
Your renter’s insurance policy in Mesa, AZ will typically have liability claims up to a certain amount. And while the listed amount on the policy may initially sound like a lot, renters have to be careful when they assume they’ll have enough to cover an expensive lawsuit. Because liability cases can drag out for months, the costs can mount extremely quickly.
How to Decide
Renters insurance is a smart precaution for anyone to make. Just taking the first step is a strong showing of responsibility. If you want to learn more about renters insurance, call INW Insurance Group today to find out more about a policy can protect you.
When the temperatures in Mesa, AZ begin to drop, most motorcycle riders start the season by topping off their bike’s tank, adding fuel stabilizer, and doing other steps that ready their bike for winter storage. That’s when some bike enthusiasts wonder if they can save a few dollars by temporarily canceling their motorcycle insurance. Should you cancel insurance on your motorcycle when it’s been retired to the garage? It may be tempting, but here’s why you’ll find it’s probably not the soundest practice.
Why You Should Keep Yourself Protected While Your Motorcycle Is In Storage
Is your bike definitely going to be in storage for the season? Even if Mesa experiences unseasonably warm winter weather, if you have canceled your INW Insurance Group policy, you’ll have to fight the urge to take your wheels out for a ride, or else you won’t be covered for any accident or another unfortunate event.
Even when your bike is safe and sound in storage, you need to remember your bike still faces risks such as theft, vandalism, fire, and weather damage, If you cancel your insurance coverage, and something happens to your bike, you’ll have to pay any damages repair costs yourself.
What You May Be Able To Do To Save
One option you may consider is to raise your deductible while your bike is in storage, which usually results in a lower premium. Remember that you’ll need to have cash on hand to pay the higher deductible if something did happen to your motorcycle. Your driving record, how many miles you typically ride, and the location where you store your motorcycle are other possible factors that may impact your premium.
So, give your INW Insurance Group agent a call today, or stop by our Mesa, AZ office to get answers to all your motorcycle insurance coverage questions. You may find that there are other opportunities to help reduce the cost of your motorcycle policy – that will not only help you out while your bike is in storage but year-round.
Homeowners in Mesa, AZ know the importance of having a basic home insurance policy. A home insurance policy covers a wide range of perils and ensures that you do not need to back to your pockets to start a new home. But did you know that there are other optional coverages under home insurance that you don’t know anything about?
At INW Insurance Group, we are keen to educate our policyholders about these other unusual things covered by the home insurance policy that we suppose they do not know:
- Fire department charges: Fires are a common occurrence in the home and can turn out to be devastating. The fire department may charge you based on the extremity of the fire. Your homeowner’s insurance coverage will cover these costs.
- Dorm burglary: For those with students in school, burglaries happen, and a homeowner with this policy will ensure their children are protected in case of a burglary.
- Wild animal stampede: This may sound a little off, but very relevant for people who have come across vast herds of animals passing by their homes. When these animals destroy anything covered in your home insurance, your insurance company will repair the damage or replace it.
To know about other unusual things covered under home insurance, speak to INW Insurance Group specialists or visit our offices in Mesa, AZ.
Some people may think that they will not get any insurance if they do not have a clean record. They may also believe that their insurance prices will rise too. The first that you need to know is what is considered a clean record. In Mesa, AZ, the INW Insurance Group would like you to understand what a clean record is and what you can do to keep it clean.
A clean driving record is usually when you do not have any moving violations, points on your license, or accidents. Employers may look at a clean record differently than an insurance company might. They might only consider the last three years without a ticket or overlook a minor fender bender where you weren’t at fault. If you want a job where you are driving, don’t lie about your record. The employers have researchers who specialize in background checks which include your driving record. Being upfront will remove the surprise if they find a speeding ticket or other moving violations.
An insurance company may consider you have a clean record if you have had less than three moving violations. Some may even overlook a minor traffic ticket. If you have major offenses and several claims, then an insurance company will most likely deem that you do not have a clean driving record and your insurance costs could go up. They may look at the last 10 years of your record, but they may only look at a DUI or a hit-and-run. INW Insurance Group has independent insurance agents in Mesa, AZ who are able to help you with your driving record. They’ll be able to put you in touch with insurance companies that can help you with auto insurance coverage. Stop by the office today and you will be able to check for home and life insurance as well.
Buying a condo in the Mesa, AZ area is a major investment. Having condo insurance will give you peace of mind that all your assets and your property are protected against some of the events that can happen in life. If you have a mortgage on your condo, your lender may require you to have an individual condo insurance policy. The friendly agents at INW Insurance Group can help guide you through the maze of insurance coverage that is available.
While a condo is your home, the coverage that is needed for a condo differs from the coverage that you would have for a standalone home. Your condo association or the HOA holds a master policy that covers the exterior of the condo. This policy also carries liability insurance for the outdoor and common areas at your location. It is up to you to read this policy to make sure that it is going to protect your investment and what exactly is covered.
The interior of your condo is your responsibility to insure. You need to protect your belongings from theft and damage from a covered loss. This includes your furniture and your clothing as well as appliances and electronics. It also provides liability coverage should someone be injured inside your unit.
Loss of use
This is an important coverage if your unit becomes so damaged that you can’t live there. You need an insurance policy that will pay for you to stay somewhere else while your home is restored.
Owning a condo is unique and the best way to protect yourself is with both an individual and a master condo policy. Stop by the offices of the INV Insurance group if you are a resident of Mesa, AZ or the surrounding area to discuss the individual policy that is best for your situation.
It’s an exciting time in your life. You started a new job, purchased your first home and have the "grown-up" car you always wanted. But did you know the home and auto insurance policies you have now may not be enough to protect your financial future?
When Home and Auto Insurance Isn’t Enough
Ensuring your home and auto insurance has the proper liability limits is the first step in protecting yourself. However, in some scenarios, those limits aren’t enough. And when those liability limits are exhausted, you are financially responsible.
For example, let’s say you are hosting a party for your neighbors in your new home in Mesa, AZ. Everyone is enjoying themselves when all of a sudden one of the kid’s trips and falls down your stairs. It was a pretty bad fall requiring a call to 911. While the child was okay, they will need extensive surgery on both their arm and leg, which means a lengthy stay in the hospital plus physical therapy after. And since it happened at your home, you are liable for those medical bills. Plus, you want what’s best for your new neighbor.
Unfortunately, the liability limit on your homeowner’s policy is eaten up pretty quickly, and there are still bills to pay. These bills could come out of your pocket, or if a lawsuit happens, your future earnings may be at stake. However, if you have an umbrella policy, it would kick in after the personal liability limits on your homeowner’s policy is gone. Giving you an added layer of protection. The insurance experts at INW Insurance Group believe in protecting you from all angles. The right umbrella policy can do that for you.
If you live in Mesa, AZ and are ready to talk about protecting your financial future. Give the friendly insurance experts at INW Insurance Group a call today.
An RV is a fantastic thing to have and can bring tons of fun and joy into your life. Having it properly insured is a must and having a great RV policy is something that you certainly need to keep in mind. For those that live in the Mesa, AZ area, the agents with INW Insurance Group can help you to determine what sort of policy you need and what is going to work for you.
An RV can technically be insured on your auto policy for a bit more than you might insure a car. If you are planning on driving your RV on the road, you can certainly add it to your auto policy if you want insuring to be simple and easy. For those that have an RV that does not drive or that is not driven on the road, you may be able to have it insured on your home owner’s policy. This would not cover you if you were driving it but would cover you if you were going to park it in a garage for instance or on your property.
For those that are driving your RV or own a specialty RV, you may want to look into specialty insurance policies that are specifically geared toward RVs. This type of policy is going to cover the RV itself, any special amenities it may have, and the contents as well. This is going to help you make sure you are going to be able to keep your RV taken good care of and that it is going to be covered should something happen to it. For those that live in the Mesa, AZ area, the agents with INW Insurance Group can help you find the policy that works for you and best protects your RV.
Owning a boat in the beautiful Mesa, AZ area can give your family a lot of wonderful memories of your time spent together out on the water. The team at INW Insurance Group is here to help you review your boat policy, or obtain your first one, and make sure that you are aware of all of the different options that are available. Families, especially those with young children or elderly members, may be apprehensive about going out on the water too far because of their concern for the young and old in their group.
No One Wants to Be Stranded On Their Boat!
Yes, it may be more exciting to travel further offshore, but if you are concerned about what may happen if your boat breaks down, it may not be worth it. Anyone who wants to enjoy their day out on the water without the additional worry about towing protection can add that coverage option to their basic policy. Towing services can get expensive, and having a hefty invoice on top of a ruined day out on the water can be enough to frustrate even the most patient person! Don’t let a mechanical problem cast a shadow over your overall boating experience, by making sure that your policy offers this important protection. While this is not an option that is offered on the most basic boating policies, it is one worth looking into!
If having the peace of mind that comes with knowing you will be covered in the event of a breakdown, it’s time to upgrade your boat insurance! Contact the Mesa, AZ team at INW Insurance Group today and make sure you have the protection that you want before you get out on the water again!
If you rent an apartment or house in Mesa, AZ, you probably realize you need to find a renters insurance policy to protect yourself in case there is a fire or burglary at your residence. INW Insurance Group can help you decide how much protection you need.
Renters insurance is surprisingly cheap because you don’t have to cover the physical building. You only have to figure out the value of your physical possessions, such as your furniture, clothing, entertainment system, etc.
Actual Cash Value and Replacement Cost
Which kind of policy you choose will also decide the size of your premium or price per month. Even though renters insurance is relatively inexpensive, you need to consider the value of the items you own and if you will need the full replacement cost.
Actual Cash Value
Normally, an insurance claim will take into account the amount an item has depreciated in cost since you purchased it. For instance, the television you bought two years ago has experienced some wear and tear, and the older model may not be considered very good anymore. If your renter’s insurance gives you the actual cash value of items taken or destroyed, that means that you will pay out of your own pocket to replace your items.
A policy which offers replacement cost is a little more expensive but you will be able to claim the amount that it would take to replace your possessions. During a disaster, you could replace your possessions and move on.
Nobody wants to think bad things will happen in Mesa, AZ, but if something does happen you want to be protected. Call INW Insurance Group today to discuss the best way to protect your interests.
One of the biggest nightmares a homeowner can go through is dealing with a drain backup or sump pump failure. Not only can this cause major damage to floors, walls, furniture, and electrical systems, but water backup can also cost you thousands of dollars to repair the damage and replace your belongings. In the unfortunate event of a drain overflow or broken sump pump, you don’t want to be left footing the bill. That’s where affordable water backup coverage from INW Insurance group can help.
Water backup occurs when water or water-borne materials back up into your home. This can come through sewers, drains, sump pumps, or related equipment. Water backup coverage can help your repair almost any damage from water moving from the ground up due to overflowing drains and sewers or broken sump pumps. Because coverage amounts vary, it’s important to consider electronics, furniture, and flooring materials that may need to be repaired or replaced while deciding on how much coverage you want.
How to Prevent Water Backups:
- Don’t pour cooking oil or grease down your drains. Dispose of cooled grease in your garbage can instead.
- Only flush toilet paper in your toilets.
- Consider replacing your sewer line with plastic pipe to prevent shrub and tree roots from making their way into cracks.
- Make sure your landscaping and irrigation systems are positioned so that water flows away from your home’s foundation.
- Always maintain your home’s gutters and downspouts, clearing out leaves and debris as well as repairing places that may be sagging.
- Consult a plumber to check your sump pump regularly and look for any pre-existing drainage system issues.
- Install a backwater prevention valve to prevent sewer backups.
- Buy a battery backup to keep your sump pump running when the power goes out, or buy a water-powered backup sump pump.
Water backup coverage doesn’t have to break the bank. Our team of knowledgeable agents at INW Insurance Group in Mesa, AZ, can provide you with more information about coverage costs, limits, and discounts. Give us a call at 480-626-0797 to receive a free quote and to learn more about water backup coverage and all the affordable ways we can help you protect your home, business, and personal property.