If I’m towing a boat, does my Arizona car insurance cover it in an accident?

If you’re an Arizona boat owner, you’re in luck – the state has many great lakes and rivers where you can enjoy some time on the water. But before you hit the open water, there are a few things you need to know about towing your boat in Arizona. In this blog post, we’ll cover what you need to do to ensure your car insurance covers your boat in case of an accident.

If you’re planning on towing your boat with your car, check if your policy covers accidents involving a trailer. In most cases, your standard car insurance policy will not cover damage to your boat or trailer in the event of an accident. However, you may be able to purchase additional coverage for your boat through your insurer.

If you opt not to get extra insurance for your boat, you can do a few things to reduce your risk on the road. First, ensure your boat is registered correctly and all the required safety equipment is onboard. Also, inspect your trailer before each trip to ensure it is in good working order. Lastly, always drive carefully and obey all traffic laws – this will help keep both you and your boat safe while on the road.

There are many places within a day of Mesa, AZ to enjoy your boat. However, it’s essential to ensure you have the proper insurance coverage before setting out on the open road. Call INW Insurance Solutions today. We can help ensure that you and your boat are safe when venturing onto Arizona’s waterways.

What Should I Look for in a Renters Insurance Policy?

One of the most important things to do when renting a home or apartment is getting renters insurance. This type of insurance helps protect your belongings in case of damage or theft. It can also provide financial assistance if forced to relocate temporarily due to a covered event. But with so many different policy options available, it can be challenging to know what to look for when selecting a renters insurance policy. In this blog post, we’ll discuss key factors when choosing a policy.

1. Coverage Limits

One of the most important things to look for in a renters insurance policy is adequate coverage limits. Your policy should cover at least the value of your belongings, and ideally, it would provide some additional coverage in case of high-value items or an unusually severe event. You can adjust your coverage limits to ensure that you’re adequately protected.

2. Policy Exclusions

Another important factor to consider is what your policy excludes. Every renter’s insurance policy has some exclusions, and it’s important to be aware of them before you purchase a policy. For example, many policies exclude coverage for malicious damage. Ensure you understand what your policy excludes so you can make an informed decision about your coverage.

3. Deductibles

Typically, the higher your deductible, the lower your premium will be. But you’ll want to make sure you can afford your deductible if you need to file a claim. Otherwise, your policy won’t do you much good.

As a renter, it’s important to have adequate insurance coverage to protect your belongings. Arizona residents can depend on INW Insurance Solutions in Mesa, AZ for quality renters insurance. With our experienced team, we’ll help you find the right policy for your needs and budget. Contact us today to get started.

Is motorcycle insurance required in Arizona?

Motorcycle owners in Mesa, AZ may wonder if they are required to carry insurance as part of owning a bike. Fortunately, the team at INW Insurance Solutions is here to answer that question and more. Let us help you find the right bike policy for your needs. You’ll be glad to have the protection you need. Give us a call to learn more about the motorcycle insurance options available in our area. 

Required motorcycle insurance in Arizona

Liability insurance is required for all motorcycle owners in Arizona. In fact, the requirements were just recently increased. And these regulations also apply to all motor vehicles, including scooters and motorbikes. Anyone considering buying a motorcycle should take the time to look into the available insurance policies.

The required liability protection will cover you if you are involved in an accident that causes personal injury or property damage. If you opt for a policy that covers the basic requirements, you won’t have protection if your bike is stolen or damaged. This can mean that you’ll have to come out of pocket for any expenses that aren’t covered by your basic policy.

Upgrading to a policy that provides coverage for collisions and medical expenses is a great way to protect yourself from future financial stress. Several different policy options provide robust coverage.

Find out more today!

Mesa, AZ area motorcycle owners turn to the team at INW Insurance Solutions for all of their insurance needs. If you’re thinking about buying a bike soon or aren’t sure if you have the protection you need, give us a call or stop by today. We are here to help you with all of your insurance needs.

I Have A Home Warranty. Do I Still Need Home Insurance?

To safeguard the building’s structure and its systems and appliances, homeowners should have both house insurance and a home warranty. In contrast to homeowners insurance, which covers significant dangers such as fires, property crimes, and some forms of water damage that might endanger the entire structure or the homeowner’s personal items, a home warranty only covers minor issues. These include leaky faucets and broken pipes.

An agreement between the homeowner and a home warranty provider allows for subsidized repair and replacement services for the main components of a house, such as a furnace, HVAC, plumbing, and electrical systems. A house warranty may also cover washers, dryers, refrigerators, and swimming pools. For questions, call INW Insurance Solutions in Mesa, AZ. 

Distinctions Between a Home Warranty and Insurance 

Homeowners insurance protects you against someone else’s home or possessions. It doesn’t matter if you don’t have a mortgage; home insurance is always a good investment. A homeowners policy is a valuable financial asset because it covers your home and your liabilities in case of something bad happens. 

In contrast, a home insurance policy covers the cost of structural damage and loss of personal belongings in an emergency, such as a burglary or fire. Homeowners who have mortgages on their homes may be obliged to obtain home insurance, but a home warranty plan isn’t necessary. A home warranty and home insurance can safeguard a homeowner’s budget against costly repairs when they inevitably arise in a home.


Home warranties and insurance give homeowners the maximum protection they can hope for. Repairs and damage caused by a leak are covered by both plans so that you can have peace. Home warranties and insurance policies are just two halves of the same coin. Do you have questions or need professional help in Mesa, AZ? Contact INW Insurance Solutions today.

Arizona Auto Insurance Requirements

Arizona requires all drivers within its borders to purchase auto insurance before driving on state roads. It also sets a minimum insurance level. At INW Insurance Solutions serving Mesa AZ, we want you to know about the inaccuracy of some of the information you see on the Internet regarding Arizona auto insurance.

Although state law changed on July 1, 2020, increasing the state minimums, most of the insurance blogs still provide the old information. That means that what you see in a Google snippet or Bing feature box isn’t correct. Those sites say you need 10/30/10 coverage, but you now need 25/50/15. You’ll also need a minimum of uninsured and underinsured motorist coverage equivalent to the state minimums for bodily injury (25/50).

Let’s look at what you need to remain legal in detail. The 25/50/15 requirements break down like this:

  • Coverage in the amount of $25,000 for bodily injury or death to an individual in an accident you cause.
  • Coverage of $50,000 for bodily injury or death for all persons in an accident you cause.
  • Coverage in the amount of $15,000 for property damage to all vehicles in an accident you cause.
  • An option for uninsured motorist coverage for $25,000/$50,000 for bodily injury.

The last insurance type, uninsured motorist protection, kicks in if another driver hits you, but that driver didn’t own an insurance policy, or they didn’t carry enough insurance to address the damage wrought to your vehicle or your person.

Contact INW Insurance Solutions, serving Mesa, AZ, today to update or purchase your new auto policy. Let us help you drive legally.

Reasons to Get Condo Insurance

Just like you need home insurance when you buy a home, you are going to need condo insurance when you buy a condo. It is similar to homeowners insurance, though there are some differences. 

That being said, you may be unsure about whether or not you need to get condo insurance. Here are some reasons why you should. 

  • You may be required to get condo insurance if you take out a mortgage for it. Most mortgage companies will require insurance to protect their investment. 
  • It will protect you in case someone gets injured in your condo. Your insurance will cover their medical bills and any legal fees if you end up getting sued. 
  • It will cover damage to your condo itself. It will help to repair your condo if anything happens to it. This can also include damage due to vandalism.    
  • Your condo insurance will also cover your possessions. This will include your furniture, clothing, jewelry, artwork, and other possessions in your condo. 
  • If your condo becomes uninhabitable, it will cover lodging while repairs are made. If you cannot live in your condo, it will cover your hotel or a short-term rental if needed. 

Though you may not want to buy condo insurance, you may be required to. Your mortgage company will want to protect its investment. If something happens to your condo, they may lose their investment. Your condo insurance will also cover any medical bills if someone gets injured at your home. It will cover damage to your condo and everything that you have inside. 

If you want to ensure that your condo is adequately protected, don’t hesitate to contact INW Insurance Solutions in Mesa, AZ. 

What’s Unique About Umbrella Insurance?

When you want insurance coverage that gives you broader coverage at an affordable rate, you can always turn to umbrella insurance. This coverage takes over when the limits of your home, auto, and other conventional insurance coverages are exhausted. And that’s not the only advantage of umbrella insurance. As you will learn from INW Insurance Solutions of Mesa, AZ, umbrella insurance has numerous benefits. Let’s go through some.

It protects your assets

One of the reasons you work hard in life is to accumulate a sufficient amount of properties for investment purposes or to improve your comfort. Now, imagine someone coming for your hard-earned assets. Wouldn’t that be downright frustrating? Regrettably, your assets can be on the line when faced with lawsuits. Thankfully, investing in umbrella insurance protects your assets and future earnings from significant liability claims.

Provides broader coverage

Umbrella insurance not only gives you higher coverage but broader protection too. Let’s explain. Umbrella insurance provides you with personal liability protection not found in the base liability coverages. For instance, umbrella insurance will protect you when accused of libel, slander, and invasion of privacy — these liability claims aren’t covered in the typical auto, home, or boat liability coverage.

Has no geographical limitation

Your typical car or home liability coverage is only limited to the American boundaries. However, things are different with umbrella insurance. Umbrella insurance provides you coverage anywhere in the world. So, you can travel anywhere in the world, knowing that umbrella insurance has got your back.

It’s super-affordable

Another advantage of umbrella insurance is that it’s surprisingly affordable. Given that it takes over after the conventional coverages have been exhausted, the premiums are super-affordable despite the high liability coverage.

Need to invest in umbrella insurance Mesa, AZ? Why don’t you contact INW Insurance Solutions for an affordable quote?

4 Facts You Must Know About RV Insurance

Is there a better way to spend a day than exploring the beautiful sceneries of Mesa, AZ, with an RV? Not many things can beat an RV experience. However, although your RV gives you limitless fun, don’t forget about one crucial thing: RV insurance. RV insurance from INW Insurance Solutions protects you, your vehicle, and passengers when the unthinkable happens.

Want to learn more about RV insurance? We have gathered 4 facts about RV insurance that we think might shed more light on this must-have coverage for RV owners.

RV insurance is mandatory

Like your vehicle, you must invest in RV insurance to drive or park your RV in public spaces. If you are found without RV insurance, you could face stiff penalties and fines, including license suspension. But is it worth it, yet you can get affordable coverage from INW Insurance Solutions?

RV insurance can protect your personal items

Unlike your auto insurance, RV insurance can protect the items inside your vehicle. Since your RV acts like your home, you probably have many assets inside your RV. For this reason, you need coverage that can cover the contents in your vehicle to cushion you from losses and damages.

RV insurance covers you if you live in your RV fulltime

Living in your RV 99% of the time? You can get coverage similar to home insurance. This RV insurance protects your RV, personal assets and covers you against personal liabilities.

RV insurance has numerous coverages

Just like your auto insurance, RV insurance isn’t a one-size-fits-all coverage. It’s offered in numerous coverages — so you only choose coverages that suit your needs and budget.

Buy RV insurance today!

Need to invest in RV insurance in Mesa, AZ? Please get in touch with INW Insurance Solutions for affordable coverage.

Who Needs Boat Insurance in Arizona?

Unlike car insurance, you are not required to purchase boat insurance in Arizona. However, if your boat is financed, your lender may require you to purchase boat insurance. But whether boat insurance is mandatory is compulsory or not, INW Insurance Solutions advises all boat owners to consider this coverage because it can save you when you least expect it.

Why do you need boat insurance?

Yes, you may not be required to buy boat insurance in Arizona, but you still need it. Here are reasons you need boat insurance:

  • To protect your asset: Your boat is a significant investment that needs protection. Boat insurance is the best protection you can think of because it covers your boat against unexpected risks that may reduce your boat into rubble.
  • For liability protection: When accidents occur, you could be liable for property damage and bodily injury to other people. Luckily, you have boat insurance to thank when facing liability claims.
  • Medical payments: When boat accidents occur, you and your passengers can suffer injuries that could be costly to treat. Luckily, boat insurance pays for your medical expenses no matter who was at fault for the accident.
  • For peace of mind: Whether cruising, sailing, or fishing with your boat, time in the water should be fun-filled. Unfortunately, your time in the water can be worry-laden if you don’t have protection to back you up when mishaps happen. Luckily, boat insurance can take care of your worries in the water because you know your risks are well taken care of.

Boat insurance in Mesa, AZ 

Are you looking for boat insurance or simply want to review your coverage? INW Insurance Solutions can help. Our team of qualified agents can help you purchase a boat insurance policy that suits your budget and other needs. If you are looking to renew your coverage, we will look at the gaps in your policy and advise you on ways to fix them.

How Does Umbrella Insurance Work?

When you want to have better liability coverage than you already have, getting an umbrella insurance policy is an option available to you. If you already have home and auto insurance, it works with those policies to provide you with more coverage. If you want to know more about umbrella insurance, call us now at INW Insurance Solutions in Mesa, AZ.

Home and Auto Insurance Policies

Both your home and auto policies come with several different types of coverage. One of these coverage types is liability protection. This pays for lost wages and medical bills after someone has an accident that you are liable for. In your vehicle, that is generally from an accident that you are at fault for. In the home, this can be an accident that is anywhere on your property. However, your home and auto policies most likely have little coverage for liability. If you get an umbrella policy, it adds to the amount of liability coverage that you have. 

Two Insurance Policies

When you have an umbrella policy, it adds to both your home and your auto insurance’s coverage for liability. That means that your home is covered by both your home insurance and your umbrella insurance, and the same is true for your auto insurance. After an accident has taken place, the first insurance company to come in is your auto or home policy, depending on the location of the accident. After it has reached its maximum payout, the umbrella policy comes along behind it and pays what it can up to its own, very high limit. 

Get Your Umbrella Policy

If you are interested in having better liability coverage, umbrella insurance may be right for you. Give us a call today at INW Insurance Solutions in Mesa, AZ  to find out more.