JDRF Golf-A-Thon Fundraiser

Golf Til’ You Drop… For A Cause!

How does a day of FREE golf sound? What if lunch, a golf shirt, golf balls, drinks, and a chance to win $25,000 cash were included?

Join us September 22, 2018, for our first ever 100 Hole Golf-A-Thon benefiting the JDRF Arizona Chapter at the Augusta Ranch Golf Club! Just for participating, each golfer will receive:

  • A full day of golf
  • A golf t-shirt
  • A dozen personalized golf balls
  • Lunch with two free drink tickets
  • A chance to win $25,000 cash

How to Participate:

  • Register
  • Get pledges
    • Your pledge page is ready shortly after registration, so you can begin raising pledges right away! Invite your friends, family, co-workers, and neighbors to pledge you per hole or for a flat amount.
  • Play golf
    • Show up for a day of fun and freebies all while knowing you are contributing to the worldwide effort to end type 1 diabetes.

If you or anyone you know wants to participate in a fun-filled day of golf and prizes while supporting a worthy cause, give us a call at 480-626-0797 or visit http://www.friendsforjdrf.com/ for more information. Golfers of all skill levels are invited to participate. Registration ends August 22nd. We look forward to seeing you on the green!

Why You Should Choose a Local, Independent Agent

Some people think it doesn’t matter where they buy their insurance. However, this common misconception could be costing them money, service, and protection. Buying insurance isn’t like purchasing everyday groceries. Insurance is an important safety net for a family, car, home, or business, so let our team of friendly, local agents at INW Insurance Group help find the right solution for you!

There is a difference in where you buy your protection. Many people don’t realize there are three sources for insurance:

  • Captive Agents — sell you the insurance of only one company
  • Telephone Representatives offer you the insurance of one company via telephone, and are often not dedicated representatives
  • Independent Insurance Agents and Brokers — represent an average of eight insurance companies and research these firms to find you the best combination of price, coverage, and service

Your Independent Insurance Agent or Broker:

  • Is a licensed professional with strong customer and community ties
  • Gives you excellent service and competitive prices because they can access the insurance coverage from more than one company
  • Is not beholden to any one company, unlike other agents; Therefore, you don’t need to change agencies as your insurance and service needs change
  • Assists you when you have a claim
  • Is your consultant working with you to determine your needs
  • Offers you a choice of insurance plans and programs
  • Is a value hunter who looks after your wallet in finding the best combination of price, coverage, and service
  • Offers one-stop shopping for a full range of products: home, renters, auto, business, life, and health
  • Can periodically review your coverage to keep up with your changing insurance needs
  • Treats you like a person, not just another number

Customer satisfaction is the key to an independent agent’s livelihood. This means serving you is your agent’s most important concern. Give INW Insurance Group in Mesa, AZ, a call today to find out how we can serve all your insurance needs.

When Can You Claim Your Condo Insurance?

Condo insurance protects you from financial losses in case of insured risks such as damage to your condo unit structures and your personal property. In case of a disaster, put more focus on ensuring your safety than on retrieving your valuable property. You can file a claim later. Take pictures of the event if possible and get statements from witnesses if there are any. If you live in Mesa, AZ, you can get quotes for your condo insurance policy at INW Insurance Group. The type and amount of condo insurance you get depends on your specific needs. They may as offer you advice throughout the claim process.

When to Claim Your Condo Insurance

  • If You Lose Your Personal Property

You can make a claim if your personal property is damaged or lost in your condo unit because of insured risks including vandalism, theft, and fires. Personal property may include electronic devices, furniture, jewelry, and clothing.

  • In Case of Liability Claims

If third parties, such as guests, get injured in your condo, you can make a claim. You may also make a claim if you lose or damage their personal property by accident. In such cases, your condo liability insurance will compensate you for their medical costs and the costs of repairing or replacing their property. If they sue you, it will help to pay for the legal charges.

  • In Case of Additional Living Expenses

If your condo unit becomes inhabitable because of insured risks, you may make a claim for additional living expenses. If, for example, your unit is under repair after a fire incident, you may need to stay in a hotel room. Your insurance will compensate you for any sensible costs such as hotel bills.

Contact INW Insurance Group on 480-626-0797 for your condo insurance needs in Mesa, AZ.

Why Millennials Need Renters Insurance

Navigating the Arizona renters insurance market can be intimidating, especially if it’s your first time dealing with insurance. Starting your adult life is stressful enough, particularly financially. Even if you choose to rent instead of buy in Mesa, it’s still important to protect your hard-earned assets. Accidents happen and that’s why you should consider purchasing renters insurance. It is an inexpensive way to provide peace of mind and know that if fire, theft, or other damage occurs inside your place, you’re covered. It’s a good precaution against the unknown. There are many advantages to renters insurance, but if a peace of mind isn’t a good enough reason, INW Insurance Group can give you a few more.

Renters Insurance is Low Cost: The average annual cost for renters insurance in Arizona is only $195, which puts your average monthly payment at $16.25. This makes renters insurance affordable regardless of where you live. Chances are you can also increase your coverage for just a few bucks more.

Covers Property: Renters insurance covers the contents of a home including clothing, furniture, and electronics. As a rough guide to the dollar amount of coverage you should buy, add up the cost to replace all the major items in your home: appliances you own, computers, other electronics and furniture, and then double that amount.

Sometimes it is Required: Although renters insurance is not usually required by the terms of some leases, you may be required to have insurance to cover your liability exposure if someone is injured on the premises, or if damages occur from items owned by you, such as waterbeds. The landlord can, in fact, require you to have liability insurance. When signing a new lease or after proper legal notice for a month-to-month rental agreement, the landlord can even lawfully change the terms of the agreement to require renters insurance. This may be particularly important if you have animals, or if the property contains a pool.

Provides Liability Coverage: The liability component might be the biggest reason to get renters insurance because it can protect you from financial loss. Renters insurance can cover you in a lawsuit if someone injured in you home. Some common liability cases include:

  • Dog bites
  • General pet damage
  • Slip and fall
  • Causing a leak or fire in another residence
  • Accidentally injuring another person
  • Libel

Additional Living Expenses: Another feature included in most renters insurance policies is called additional living expenses coverage. If you can’t stay in your apartment after a fire, burst pipe, or other disaster, this coverage will pay for temporary lodging.

Covers Belongings When You Travel: If your luggage is stolen while on vacation, for instance, some policies will reimburse your losses, and it is common practice for insurance companies to cover belongings stolen from your car.

It is important that you take your time and find the right policy. Our agents here at INW Insurance Group will be more than happy to help you find the best rate with the quality coverage you need.

Don’t Get Burned by Cheap Insurance

From shopping for insurance to everyday groceries and everything in between, it’s often tempting to purchase the cheapest option. After all, the average American spends $5,261, or 12% of their annual income, on home, health, life, and auto insurance per year according to a NerdWallet study. However, choosing the less expensive product or service often goes hand in hand with sacrificing quality. With INW Insurance Group located in Mesa, AZ, that doesn’t have to be the case. Knowing the difference between inexpensive and cheap insurance lets you shop smarter, make informed decisions, and get the quality you deserve at a price you can afford.

Cheap insurance often means settling for inadequate coverage, or worse, no coverage at all. According to the National Association of Insurance Commissioners, 144 fake insurers sold fake health insurance to more than 200,000 policyholders nationwide between 2000 and 2002, resulting in more than $252 million in unpaid claims. Unfortunately, health insurance wasn’t the only type of fraud insurance being sold. There are still numerous companies selling fake auto, homeowners, and rental insurance today.

Cheap insurance could also mean extremely limited options. Even if you have a trustworthy insurer, extremely cheap insurance often has many restrictions that prevents you from being covered in times of need. In the event of a natural disaster or tragic accident, cheap policies will not likely allow you to rebuild in the future. That’s why it’s so important to find a trusted and reliable insurance company, like INW Insurance Group, to help suit your needs.

To prevent you from being burned by cheap insurance, it’s important to research your insurer to make sure they’re the real deal and read your policy thoroughly. Start thinking about worst case scenarios, and double check that you are covered. What matters most is you know exactly what type of scenarios your policy covers—and those it doesn’t.

When you value something, it’s important to protect it. Avoid the temptations and scams of cheap insurance and let our team of agents at INW Insurance Group help you find the perfect policy that fits your lifestyle and budget today. Because as we all know, peace of mind is invaluable.