Multiple Uses of Renter’s Insurance

Renter’s insurance covers far more than the contents of an apartment. This type of insurance also covers personal property storage units, boat or RV storage, garage spaces, private mailboxes, and other types of storage or rented units. INW Insurance Solutions of Mesa, AZ can help you obtain a policy that covers your belongings regardless of what type of structure you rent.

You probably think of renters insurance as something you need to get as soon as you rent your first apartment. You need it far before that though. As soon as you move from your parent’s home, you need to insure your belongings.

You might move into a student dorm, also called a residence hall if you attend college or vocational school. At college, you might also live in a sorority or fraternity house. In each of those situations, you need a renter’s insurance policy. The building insurance for each domicile protects your living space, but not your belongings.

If you need to store things during the summer or over the long-term, you will likely rent a storage unit. This requires the same type of insurance policy. While the storage unit would have insurance on its building, you would need to separate renter’s insurance for the personal items.

While you might get about 10 percent coverage of the value of your apartment policy for your storage unit, that typically amounts to about $1,000. That probably will not cover all of the belongings you have in storage.

Some self-storage facilities bundle insurance with the cost of their rental, but most independent companies require you to purchase your own. Similar to a home insurance policy, this type of policy covers major perils including fire, hail, short-circuit damage, smoke damage, theft, vandalism, and windstorms. Just like home insurance, renter’s insurance does not cover flood and in some areas, it does not cover earthquakes.

Top 4 Motorcycle Safety Tips

Motorcycles can be both fun and dangerous. Be prepared before you go out for rides with safety precautions for you and any other riders on your bike. Part of this is having the right insurance for your motorcycle. An agent from INW Insurance Group of the Mesa, AZ area can assist you with getting your motorcycle insurance set up.
 
Have the Right Gear

 You will need to make sure that you wear the gear that will protect you the most. This includes a helmet that is designed for riding motorcycles as well as leather (or comparable) jacket that has the proper fit. It shouldn’t have any parts that are dangling off as these can get caught especially if you get into an accident. This should be the same for your gloves and boots which should have a good grip and not contain any loose, dangling parts. Kevlar and denim combination pants are ideal since they aren’t as hot as leather but still offer you protection. 

Education
 
You will need some training before you get a motorcycle. In fact, many states require that you have a specific license to operate this type of vehicle. You might take professional one-on-one lessons are go to a track school after you have some of the basics down.
 
Know Where to Look
 
Keep in mind that you should be looking straight ahead to the horizon while operating your bike. This way, you will be able to look out for obstacles at all times. Don’t keep your eyes trained on one or two objects.
 
Look Out for Escape Paths
 
When riding a motorcycle there can be many obstacles and you’ll need to know how to get away from them quickly. Avoid debris as much as possible and look out for guardrails that may be in the way of your escape path.
 
Be smart about your riding and get the insurance that is suited to your needs. Reach out to INW Insurance Group, serving the greater Mesa, AZ area. We’re here to make it a smooth process and give you the information you need to make a good decision.

Why do I need home insurance in Arizona?

When you live in the Mesa, AZ area, there are many different housing options that you have to choose from. One great option to consider would be to purchase a home. If you are going to purchase a home in this area, it is very important that get the proper insurance in place. There are several reasons why you need to have home insurance when you are in Arizona.

Required for Most Owners

One of the reasons why you should get a home insurance policy is that it is often required for a property owner. If you have taken out a mortgage or live in a home association, there are likely several home insurance requirements that you need to abide by. If you have a lender, there is a good chance that you will have to pay for this insurance on a monthly basis. Many associations also require you to provide evidence of coverage on an annual basis. 

Provides Valuable Coverage

Another reason to get a home insurance policy is that it can provide you with very valuable coverage. If you have a home insurance policy, you are going to receive both property and liability insurance coverage. The property policy will protect both your dwelling and personal assets. The liability coverage will give you protection if an accident occurs in your home and you are sued for liability.

Ultimately, when you are in the Mesa, AZ area, you should ensure that you get a quality home insurance policy. If you are searching for insurance, one company that can provide you with very valuable coverage is INW Insurance Group. If you do call the INW Insurance Group, they will help you to assess your situation to make sure that you get into the best policy possible. 

5 Mistakes to Avoid When Buying Auto Insurance

If you’re a new driver, you may find shopping for auto insurance challenging. There are numerous factors to consider when selecting auto coverage. At INW Insurance Group, we’ll guide you through the auto insurance process to help you make wise coverage options. If you’re in the market for auto insurance, here are some mistakes you’ll want to avoid when selecting a policy.

Not Shopping for a Good Deal

Auto insurance varies in coverage, quality, and cost. If you fail to shop around, chances are you’ll fail to get the best deal for your money. Shopping online makes it easier to compare what diverse insurers have to offer. You can also check reviews to see how agencies fair in the services they offer.

Getting Too Little Coverage

Although the price is important, you can’t gauge your insurance coverage solely on low costs. Cheap auto insurance could compromise your protection against accidents. When purchasing an auto policy in Mesa, AZ, make sure you have adequate coverage to protect you and others against any eventuality.

Not Meeting State Requirements

Like most states, Arizona requires that you have minimum liability insurance coverage. Liability protects the interests of others in accidents you cause. At INW Insurance Group, we’ll ensure you meet this legal requirement when purchasing your policy.

Not Customizing Your Policy in Mesa, AZ

Auto insurance policies aren’t one size fits all. Your coverage can and should be customized to suit your lifestyle and budget. Customizing your coverage ensures you receive the essential protection you need at an affordable cost.   

Choosing the Wrong Agency 

For quality auto coverage at reasonable costs, it’s important to work with a reputable insurer you trust. At INW Insurance Group, we have your best interests at heart. Call or visit us today for all your auto insurance needs.

How Condo Insurance Differs From Renters Insurance

Functionally speaking, condo insurance and renters insurance are basically the same thing. The difference is in what they cover. Condo insurance covers your condo, renters insurance covers an apartment or a rented room or other dwellings. Simple as that.

In both instances, all you’re really covering is what’s inside the domicile, your possessions. Your landlord or condo association covers the building itself, and everything on the outside of the building. Most condo associations will have you buy insurance on the building itself through them, or your insurance will be covered by your membership payments, while your condo insurance is usually up to you to shop around for.

There are really no fundamental differences between condo insurance and renters insurance, however, you are far more likely to be required to buy condo insurance than renters insurance. Most landlords will not require you to buy any sort of insurance. Their policy covers the building, and beyond that, you’re on your own. However, many condo associations will require that you carry some form of condo insurance.

Like home insurance, it’s not something that is legally mandated. If you don’t have a condo association or landlord telling you to buy condo insurance or renters insurance, then it is completely at your discretion. But, it is a wise investment.

If you are currently shopping around for insurance for your Mesa, AZ condo, get in touch with INW Insurance Group to see what they can do for you. Remember, the insurance that you hold through your Mesa, AZ condo association only covers the building and property itself. If you want to protect your possessions, call or message INW Insurance Group and get covered.

Does umbrella insurance cover my business assets?

A lot of people in Mesa, AZ still don’t understand how they can use umbrella insurance to solve the various financial crises. Umbrella insurance offers an extra layer of financial protection and supplements your basic liability policies like home insurance and auto insurance. INW Insurance Group can help you know more about umbrella insurance.

How does umbrella insurance work?

Whether it is that lawsuit, that accident that you caused, or that business that was damaged and needs a financial boost; umbrella insurance is all the backup you need to get everything running smoothly. However, it is worth noting that umbrella insurance is not a primary policy and that it can only be applied in certain situations where your primary policy is inadequate. Here are a few scenarios where umbrella insurance can come in:

  • If you are found guilty in a lawsuit defamation
  • If your swimming pool floods and the water floods into your neighbor’s home, causing damages.
  • When your pet bites another person
  • When your child causes damage or injuries to another child
  • If someone falls and gets hurt when walking on your property
  • If you are involved in an accident where you are partially at fault

How can it cover my business assets?

Think of umbrella insurance as your financial backup. When a claim exceeds the primary policy’s limit, umbrella insurance can come in to fix the rest. When it comes to business, umbrella insurance may and may not be applied based on the situation. For example, if your property is damaged or your employees are injured due to one or several malpractices, umbrella insurance may not offer protection. The good news is that your business liability policies can take care of that.

Do you need umbrella insurance?

We all need an additional layer of protection in this litigious society. If you are looking to buy umbrella insurance, INW Insurance Group can help you find a policy that matches your needs. Feel free to pay us a visit in Mesa, AZ today!

 

Quick RV Care Tips to Make Your Trips Better

When you prepare for a road trip, you may not give much thought to your transportation. With the RV in the drive, you may focus a lot of your attention on the things you’re going to take with you instead of focusing on actually getting to your destination. But in order to get to where you want to go, you have to make sure the RV can get you there. And to do this, you must make sure you’re taking care of the RV. Here at INW Insurance Group serving the Mesa, AZ area, we’d like to share two quick RV care tips that will make sure road trips better.

Get an Inspection

Take the RV to a certified auto mechanic who specializes in working on RVs. This person can carefully examine your RV to ensure it’s ready for the road. If you don’t get an inspection, you may find yourself having to invest in a lot of mechanic work on the RV during your road trips.

Get Roadside Assistance

Check your insurance policy to make sure it has roadside assistance coverage. This way, you can stay safe at all times even if the RV breaks down on the side of the road during your trip. If you don’t have insurance on your RV, you should definitely give us a call now. We have agents that can help you get a policy that meets your exact needs, including one with roadside assistance. This coverage comes in handy even if you have a flat tire and need help.

Contact INW Insurance Group serving the Mesa, AZ area now to learn more about care tips for your RV.

Types of Boat Insurance to Consider

Boat insurance is considered to be one of the first types of insurance offered. Even ancient sailors knew all about the risks of a life at sea and, as a result, made sure their boats were protected against storms and other types of unpredictable waters and weathers. All this still applies today.

If you purchase a boat, there is no question it represents a significant investment. Taking the steps to protect it with boat insurance in Mesa, AZ from INW Insurance group. Keep reading to learn about the type of protection that boat insurance offers here.

Physical Damage Protection

If your boat is damaged in any way, boat insurance will protect it. It offers protection for damage caused by theft, a collision, storms, fire if the boat sinks and more. What is covered usually varies on the policy, so be sure to read the details of the policy before moving forward with the purchase.

Liability Coverage and Protection

Another type of boat insurance will cover the costs associated with an accident or injury that your boat causes. This will cover damage to other boats, docks, and an array of other structures. Remember, the damage or injury that occurs may be caused by a direct impact with your vessel or a situation resulting from the boat, such as a large wake.

Other Coverage Options

You may find boat insurance policies that provide protection for other damages and issues, too. For example, it may cover medical payments for injuries to people on your boat.

The best way to know about the type of boat insurance policies available in Mesa, AZ, work with our team at INW Insurance Group. Our team can help ensure that you get the coverage needed to protect the investment you have made in your boat.

What Items Does Condo Insurance Cover That The Building’s Policy Doesn’t?

Insurance is a must whether you own a stand alone residence, or you own a condo. When speaking in terms of condo insurance, it is important to understand the type of protection the individual needs to purchase in order to prevent loss of assets and what the building’s insurance covers.

Scope of Condo Insurance Coverage

In most cases, the building will feature liability insurance for the structure itself, including the walls of the condo unit, however, any personal belongings or contents, aren’t usually covered unless prior arrangements were made and payments included in the HOA fees. When selecting a condo policy, it will need to cover major appliances and items of significant value. Keep in mind that these items need to be documented by saving receipts or taking plenty of photographs to help make the claims process faster.

Working With An Agent to Find Condo Insurance

The best course of action when looking for quality condo insurance is to work with an experienced agent. They can help determine what the tenant needs to get comprehensive coverage against a variety of threats to personal belongings. People who live near the Mesa, AZ area, should contact INW Insurance Group to find out what their options are and how to prevent any gaps in coverage that can create losses. 

Begin searching for condo insurance with the assistance of a skilled insurance agent from INW Insurance Group, serving Mesa, AZ, and get the protection and peace of mind you need. Call or stop by the office today to speak with a representative or to schedule a consultation for more details. 

 

3 Tips for Buying Umbrella Insurance in Mesa, AZ

Umbrella insurance is a type of coverage that provides protection for items that your other insurance may miss. The actual word “umbrella” is a description of how this policy is, essentially, a catchall for an array of claim-types. 

When you purchase umbrella insurance in Mesa, AZ, it can help you recover from unexplained claims. However, you have to be smart about the purchase to ensure you are making a sound investment. Our team at INW Insurance Group can help, if you need a bit of advice and guidance. 

1. Bundle Your Policies

It’s a good idea to see what you are currently covered for and bundle your new umbrella insurance policy with existing policies to save money on your premiums. To determine where you need extra protection, review all your current policies. Most people understand there are certain nuances with their policy, but they don’t know where the exclusions are leaving a gap in their coverage. During this analysis, you can find out about the specific exclusions, which are found at the end of your policy. You can then figure out where you need umbrella insurance to fill the gap. 

2. Run a Loss Analysis and Compare Quotes

The loss analysis refers to all the claims you have made to date. You can get this list from your insurance company. By keeping record of your expenses, you can determine what you had to pay out-of-pocket to cover repairs, accidents, and other insurance-related situations. By doing this, you have another opportunity to see where umbrella insurance may be beneficial. After this, compare several policies to find the right one for you

3. Work with a Reputable Agent

Working with a friendly and reputable insurance agent will help you navigate the seas of umbrella insurance by answering all of your questions and concerns. 

If you want to know more about umbrella insurance and if you need it, contact our team at INW Insurance Group. We serve the area in and around Mesa, AZ.