What Is Umbrella Insurance?

Having liability coverage today is more important than ever. With the litigious nature of today’s society, it’s important to have enough liability coverage for serious events that can happen. If you need more liability coverage, call us at INW Insurance Solutions in Mesa, AZ to talk with an agent.

Liability Coverage

If you own a home and a vehicle, you likely have insurance on both. The auto insurance and home insurance policies that you have will both have some coverage for liability protection. This will pay out if an accident is judged to be your fault and the other party has been injured and/or had their property damaged. However, even though you have this coverage, chances are that you have very little of it. Home and auto insurance policies often have a small amount of this coverage, and it can be highly expensive to add more to the policy.

Umbrella Insurance

Getting umbrella insurance solves all of these problems. It gives you a higher level of liability coverage without the high cost that comes from adding more coverage onto your home and auto policies. Instead, it is a separate insurance policy that adds liability to both. After there has been an accident, your home or auto coverage, depending on where the accident happened, will pay up to its maximum coverage amount. After this, many people end up paying the rest out of pocket. But with umbrella insurance, you don’t have to. It kicks in after your other policy has maxed out, and it has its own, higher, maximum payout amount. This saves your future finances from having to come up with payments for medical and property bills that result from an accident. 

Get Your Umbrella Coverage

If you need more liability coverage, call us at INW Insurance Solutions in Mesa, AZ to talk about your liability insurance needs. 

Student Discounts from INW Insurance Solutions

The tassel was worth the hassle!

Teen or young adult drivers can be very expensive to add on insurance. Luckily, if you call INW Insurance Solutions to review your coverage, we can help find you a better rate! Some of our carriers such as Encompass, Nationwide, Travelers and many more offer a variety of student discounts to help you save while you get your diploma or degree. This can help both you and your student driver! These may include:

  • Good Student Discount: Students with a 3.0/B or higher average   
  • Students Away at School: Students who live on campus without a car and are 100 miles away from the insured’s residence
  • Driver Courses/Training: Student drivers under 21 who have completed an approved driver’s education course

These discounts range from 7%-20% savings! With the rising price of tuition, saving money is always nice!

Are there any hardworking students in your life? Refer them or their families to our independent insurance agency and you’ll be entered in our referral drawing where you could win $500! Students may have a difficult time learning about insurance but with INW Insurance Solutions, they won’t have to worry because our independent agents work hard to find quality and affordable insurance.

INW Insurance Solutions applauds all the graduates of 2021. Our team cannot wait to hear of your future successes. And if you can’t wait to hear about better insurance policies, be sure to call us today at 480-626-0797 where we can begin finding you the best rates for insurance including auto, home, and more!

Insurance Discounts for Teachers

INW Insurance Solutions is wishing all educators a Happy Teacher Appreciation Week! If you are a full time or retired teacher, teacher assistant/aide, professor, principal, or are responsible for the education of children and college students, INW Insurance Solutions has wonderful news for you.

There are hundreds of insurance carriers to choose from which can make finding insurance a daunting task. But INW Insurance Solutions looks over nearly a dozen carriers to find our customers the best rates and policies. One of our favorite insurance carriers, CSE Insurance Group rewards active and retired public employees with exclusive lower rates and additional benefits. This includes law enforcement, military personnel, firefighters, government employees, and educators! You can receive discounts of up to 24% when you reach out to INW Insurance Solutions and their agents to review your coverage and compare quotes.

If you know anyone who is a teacher or public employee who is seeking better insurance, refer them to our agency and you will be entered in our annual referral drawing. You’ll be helping them get affordable, quality insurance and you can win $500 next year! That sounds like a win-win to us.

Our team at INW Insurance Solutions celebrates all the hard work educators put in to support their students. Whether in class or remotely, teachers enrich our communities. We look back at memories of our favorite teachers and the positive impact they have had on our lives. As our thank you, we work hard to find you the best prices and policies. Call us today so our agents can review your current coverage and find you amazing discounts.