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.