What is a Clean Driving Record?

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.

 

Why do I need condo insurance

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.

Exterior coverage

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. 

Interior

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.

 

Protect Your Financial Future With an Umbrella Policy

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.

Final Thoughts

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.

Do You Have to Have RV insurance?

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.

Are Towing Services Covered by My Boat Insurance Policy?

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!

Can I get renters insurance to cover the actual replacement cost of my possessions?

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.

Replacement Cost

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.

Water Backup Coverage

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.

Can You Increase Your Home Insurance Coverage Before the Contract Expires?

An important part of owning a home is selecting the appropriate home insurance. This is especially important if you are financing your residence. Over the course of time, you may make improvements or additions to the home that make it necessary to change the amount of coverage you have on the home. So, you may be wondering if you can change your coverage amount before a policy expires?

Changing Your Coverage

If you decide to remodel or add a room to your home, then the value of your home will change and so will your policy needs. In most cases, you can easily edit your home insurance policy to reflect these changes. Before you purchase your policy, you should consult your agent about the proper procedure to change your policy should you need to before the policy needs to be renewed. They will tell you how to proceed so you don’t have gaps or lack of coverage. Usually, the process is simple and only takes a few minutes. 

Quality Insurance Products

Make sure you choose quality insurance products from a reputable Insurance provider such as INW Insurance Group serving the people in an around the Mesa, AZ area. They can help you discover the options you need to have security and the right type of protection to prevent potential loss. Discuss your situation with a knowledgeable agent and find out how the process of increasing your home coverage works along with the proper procedures to follow to ensure continued coverage.

Always understand how your insurance coverage works and the steps necessary to change your coverage when the time comes. Let INW Insurance Group help you get the complete coverage necessary to give residents in and around the Mesa, AZ area peace of mind.  

Insurance Discounts for Public Employees

At INW Insurance Group, we recognize the importance of public employees and are proud to offer quality insurance discounts exclusively to this special group of people. More than just insurance, we are committed to providing our educators, law enforcement, and firefighters with unique benefits and exceptional customer care. It’s just one way we thank you for the hard work you do everyday.

If you are a public employee, you may qualify for significant discounts including:

  • Law Enforcement Occupation Discount
  • Multi-Policy/Multi-Vehicle
  • New Home Credit
  • Neighborhood Crime Watch

To qualify for lower rates, benefits, and additional discounts, the named insured must be a current full-time public employee with a minimum of 30 hours per week on a permanent basis.

Educators and School Support Staff are defined as:

  • Teachers
  • Teaching Assistants/Aides
  • Professors
  • Principals
  • Other comparable positions whose duties are primarily the education of children and college students

Law Enforcement Officers are defined as:

  • Police Officers and Sheriffs
  • FBI Agents, Secret Service Agents, Officers of the Department of Homeland Security and Border Patrol Enforcement Personnel
  • Prison Guards, Probation or Pretrial Services Officers
  • Other comparable positions whose duties are primarily the prevention or investigation of offenses against the criminal laws, apprehension or detention of individuals either suspected of, charged with, detained for, or convicted of offenses against the criminal law

Firefighters are defined as:

  • Firefighters
  • Fire Inspectors or Investigators
  • Fire Captains, Chiefs, or Lieutenants
  • Dispatchers
  • Other comparable positions whose duties are primarily responding to fire alarms, medical emergencies, and other calls to protect life and property

INW Insurance Group is proud to support those who support our Arizona communities. To request a no obligation quote or for more information about our insurance discounts for public employees, give us a call at 480-626-0797 or visit one of our insurance discount pages below.

Insurance Discounts for Educators

Insurance Discounts for Law Enforcement

Insurance Discounts for Firefighters

Do You Need Motorcycle Insurance?

If you enjoy the feel of the wind through your hair as you are driving your motorcycle, then motorcycle insurance is a must. It is required in the State of Arizona by law in order to keep yourself protected in the event that there is an accident. If you need insurance coverage in the Mesa, AZ area, the first thing you should do is research insurance companies in the area to see which ones will have the policy you need. Calling and speaking with a knowledgeable insurance representative, such as the staff at INW Insurance Group, may also help answer any questions you have and put your mind at ease. There are three types of coverage that are the most common for motorcycle owners, including:

  • Comprehensive Physical Damage: This type of insurance protects against adverse weather conditions, theft, vandalism, or other damage that was caused when it was not on the road.
  • Collision: Collision insurance will only pay for damage done to your motorcycle after an accident.
  • Bodily Injury Liability: Medical expenses for third parties will be paid after an accident with this type of insurance.

For those motorcycle owners who do have insurance, it is crucial that you do not let the policy expire. Without proof of updated insurance, the motorcycle registration and your driver’s license could be suspended. These rules only apply to those motorcycles that are on the road. It is perfectly acceptable to not update your insurance on a bike that is non-operational, such as being repaired or restored. 

If you enjoy riding your motorcycle and want to continue driving it, motorcycle insurance is necessary. INW Insurance Group works with clients in the Mesa, AZ area and would be happy to discuss any policy with you. Contact them to determine what policy is right for you.