Water Backup Coverage

One of the biggest nightmares a homeowner can go through is dealing with a drain backup or sump pump failure. Not only can this cause major damage to floors, walls, furniture, and electrical systems, but water backup can also cost you thousands of dollars to repair the damage and replace your belongings. In the unfortunate event of a drain overflow or broken sump pump, you don’t want to be left footing the bill. That’s where affordable water backup coverage from INW Insurance group can help.

Water backup occurs when water or water-borne materials back up into your home. This can come through sewers, drains, sump pumps, or related equipment. Water backup coverage can help your repair almost any damage from water moving from the ground up due to overflowing drains and sewers or broken sump pumps. Because coverage amounts vary, it’s important to consider electronics, furniture, and flooring materials that may need to be repaired or replaced while deciding on how much coverage you want.

How to Prevent Water Backups:

  • Don’t pour cooking oil or grease down your drains. Dispose of cooled grease in your garbage can instead.
  • Only flush toilet paper in your toilets.
  • Consider replacing your sewer line with plastic pipe to prevent shrub and tree roots from making their way into cracks.
  • Make sure your landscaping and irrigation systems are positioned so that water flows away from your home’s foundation.
  • Always maintain your home’s gutters and downspouts, clearing out leaves and debris as well as repairing places that may be sagging.
  • Consult a plumber to check your sump pump regularly and look for any pre-existing drainage system issues.
  • Install a backwater prevention valve to prevent sewer backups.
  • Buy a battery backup to keep your sump pump running when the power goes out, or buy a water-powered backup sump pump.

Water backup coverage doesn’t have to break the bank. Our team of knowledgeable agents at INW Insurance Group in Mesa, AZ, can provide you with more information about coverage costs, limits, and discounts. Give us a call at 480-626-0797 to receive a free quote and to learn more about water backup coverage and all the affordable ways we can help you protect your home, business, and personal property.

Insurance Discounts for Public Employees

At INW Insurance Group, we recognize the importance of public employees and are proud to offer quality insurance discounts exclusively to this special group of people. More than just insurance, we are committed to providing our educators, law enforcement, and firefighters with unique benefits and exceptional customer care. It’s just one way we thank you for the hard work you do everyday.

If you are a public employee, you may qualify for significant discounts including:

  • Law Enforcement Occupation Discount
  • Multi-Policy/Multi-Vehicle
  • New Home Credit
  • Neighborhood Crime Watch

To qualify for lower rates, benefits, and additional discounts, the named insured must be a current full-time public employee with a minimum of 30 hours per week on a permanent basis.

Educators and School Support Staff are defined as:

  • Teachers
  • Teaching Assistants/Aides
  • Professors
  • Principals
  • Other comparable positions whose duties are primarily the education of children and college students

Law Enforcement Officers are defined as:

  • Police Officers and Sheriffs
  • FBI Agents, Secret Service Agents, Officers of the Department of Homeland Security and Border Patrol Enforcement Personnel
  • Prison Guards, Probation or Pretrial Services Officers
  • Other comparable positions whose duties are primarily the prevention or investigation of offenses against the criminal laws, apprehension or detention of individuals either suspected of, charged with, detained for, or convicted of offenses against the criminal law

Firefighters are defined as:

  • Firefighters
  • Fire Inspectors or Investigators
  • Fire Captains, Chiefs, or Lieutenants
  • Dispatchers
  • Other comparable positions whose duties are primarily responding to fire alarms, medical emergencies, and other calls to protect life and property

INW Insurance Group is proud to support those who support our Arizona communities. To request a no obligation quote or for more information about our insurance discounts for public employees, give us a call at 480-626-0797 or visit one of our insurance discount pages below.

Insurance Discounts for Educators

Insurance Discounts for Law Enforcement

Insurance Discounts for Firefighters

What to Do If You Back Into Your Garage Door

There are plenty of reasons why somebody might accidently back into their own garage door – early morning distractions, poor driving conditions, and inadequate lighting are just a few. While this is usually an embarrassing scenario, it happens more often than people think. If you find yourself in this situation, it’s important to remain calm and go through the proper steps to get your garage working properly and safely.

The first thing you should do after backing into your garage door is to assess the damage. If the damage looks minimal and your car is still inside, you can continue trying to move out. Just make sure to close the door manually without using too much force once your car is safely in the driveway. If it seems to catch and suddenly requires more force to close, stop and call a professional to make repairs.

Make sure to review at your insurance policies’ deductibles before calling your insurance company. It may not be worth opening a claim if you have to pay too much out of pocket. The average cost of a new steel garage door can range anywhere from $750 to $3500, with minor repairs costing only a few hundred. Because filing a claim often increases your policy rates, it’s often better to cover the damages on your own.

If your garage door is extremely damaged, it may be necessary to contact your homeowner’s insurance company. The same goes for calling your auto insurance company to cover damages to your vehicle. However, it is important to note that your auto insurance does not cover the damage done to the garage door, and vice versa.

When a problem like this arises for residents of Mesa, AZ, they know they can turn to the experienced team of agents at INW Insurance Group for fast and reliable service. Your garage door is essential to the function, appeal, and security of your home, so give us a call at 480-626-0797 for more information about getting it fixed or replaced as quickly as possible.

Attractive Nuisances

An attractive nuisance is an object on your property that is potentially dangerous while at the same time appealing to children. Pools, trampolines, play equipment – even dogs – are considered attractive nuisances and homeowners coverage can be iffy. With houseguests and partygoers in the mix, they become even more risky. Here’s a list of precautions you can take to reduce your accident liability.

The Nuisance: Swimming Pool

The Fix:

Swimming pools provide much needed relief from hot Arizona summers, however anyone who gets hurt in your pool can sue, even if they are trespassing. Ask your insurance provider if it’s covered, and if so, if the limits are high enough. You can minimize your rate by putting up safety precautions such as signs and fences. Remove all pool toys from the deck and pool area immediately after swimming and keep rescue items like life rings within reach.

The Nuisance: Trampoline

The Fix:

Trampolines are responsible for over 100,000 injuries each year. Ask your insurance provider about coverage – they’re often excluded. You should also thoroughly read the trampoline manual and always supervise use.

The Nuisance: Abandoned Cars

The Fix:

Even if you plan on restoring your classic car to its former glory, insurers often see it as an attractive nuisance. Children are curious by nature and it wouldn’t take much for them to get locked inside or otherwise injured. Always keep windows shut with the doors and trunk locked.

The Nuisance: Play Equipment

The Fix:

According to the Centers for Disease Control (CDC), most home playground injuries involve swings. To reduce the chance of accidents, the National Association of Home Inspectors recommends spacing swings at least 24 inches apart and at least 30 inches from the support frame. Ensure it’s installed securely on a safe surface and maintain regularly.

Attractive nuisances are some of the main items that increase homeowners insurance rates. By knowing some of the usual suspects that are considered attractive nuisances, you can plan ahead and make your home safer and wallet-friendly. Give INW Insurance Group a call to discuss what’s covered under your homeowners policy and what options you have to increase your protection.

Do You Need Wedding Insurance?

There’s no doubt about it — weddings can be expensive. Last year, couples spent an average of $35,329 nationally, with Arizona weddings costing just over $29,000, according to The Knot’s 2016 Real Weddings Study. With so much time and money invested, why wouldn’t you protect your special day in the event of a disastrous wedding mishap?

While you may not be able to prevent the unexpected, you can protect a portion of your investment by planning ahead and purchasing wedding insurance. Wedding insurance typically costs only a few hundred dollars, but it can save you tens of thousands if dust storm winds blow over the reception tent or a bankrupt vendor ruins your day.

The most common wedding cancellation claims include a vendor going out of business resulting in them being unable to fulfill their agreement, a member of the bridal party or a family member being too ill or injured to participate, and extreme weather. In 2017, Travelers received a record number of wedding insurance claims due to weather, about 22%. Because September and October are the most common times to get married in Arizona, it’s important to make sure you’re covered with wedding season right around the corner.

Typically, wedding insurance policies will reimburse you for deposits and charges you’ve paid to wedding vendors, as well as travel costs and other expenses incurred, if you need to cancel or postpone the wedding for a covered reason. However, coverage options, costs, and limitations vary widely. For example, some policies require the rehearsal dinner to be held no more than 48 hours prior to the wedding to be covered. Therefore, it’s important to give the team of agents at INW Insurance Group in Mesa, AZ, a call to discuss the right policy for you.

It’s also important to make sure wedding suppliers such as caterers and limousine services maintain their own liability insurance. In addition, any venue providing alcoholic beverages should carry liquor liability insurance — ask for a copy of their certificate of insurance before signing the contract. To play it safe, you may want to buy your own host liquor liability coverage to protect you from any potential lawsuits as well.

When considering liability, cancellation, or loss of deposits coverage, the most important thing is making sure you’re protected on your big day. The last thing any bride or groom to be needs is the added stress of lack of coverage. With competitive prices and the option of customizable plans, INW Insurance Group has your back every step of the way.

Insurance Tips for Millennials

You keep your car filled up with gas, so you don’t get stranded on the side of the road and your phone charged so your loved ones can reach you. But what kind of safety measures do you have in place for more extreme scenarios?

What if you lost everything you owned in a fire at your house or apartment? What if your car was stolen? These situations are scary, but your insurance can help you through them, so long as you have the right coverage in place.

So, what is the right coverage for you? Give INW Insurance Group in Mesa, AZ, a call to find the best policy to fit your needs. Whether you’re starting out on your own or starting a family, these tips can help you begin to understand the level of insurance you may need.

Consider What You Own – And What It’s All Worth
Could you imagine having to replace all your personal belongings at once? What about having to do so from memory and all out of pocket? It would be both a difficult and a costly task. Make an inventory of your belongings and their value to help alleviate some of that pressure. Also, be sure you have enough insurance coverage, whether you rent or own a home. It’s known as “personal property coverage,” and you want enough of it to replace all your belongings in the event of a tragedy.

Take Your Lifestyle in to Account
Drive an expensive car? Repairs are likely costly, so be sure to carry full coverage. Own a home with a lot of custom features? Be sure your homeowners policy takes them into account. Your lifestyle choices can also help you save. For example, if you take public transportation to and from work even though you own a car, you may pay less for your insurance.

Talk to Your Independent Agent for Ease, Choice, and Advice
As an independent agency, INW Insurance Group offers a choice of carriers and options, plus personalized advice to help make sense of it all. We make it easy by doing the research and the work for you.

Remember, we’re here to help. Serving Arizona, Idaho, Washington, Oregon, and Colorado, give INW Insurance Group a call today with all your insurance questions and needs.

Five Common Mistakes that Put You at Risk for Car Theft

Most people would say their car is one of the most valuable assets they own — if not the most valuable. However, some people make it downright easy for thieves to drive off in their pride and joy.

At INW Insurance Group, we don’t want you walking out your door to an empty driveway or leaving the mall only to find broken glass left behind in your parking space. Use caution to avoid these five common mistakes.

  1. Leaving your car running … and unattended. We know it can be hot in the Arizona sun, and nobody wants to wait in a hot car while it cools down. However, a thief certainly wouldn’t mind the heat as he’s driving away in your car while you’re finishing that cup of coffee in the morning. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off the mail.
  2. Keeping a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone or laptop, so what do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure.
  3. Placing valuables in plain sight. It may seem simple, but we’ve all made this mistake. You’ll just be in the store for a second, so who cares if you leave your cell phone on the front seat? Or items from your other errands in the back seat? Be smart — if you have to leave items in your car, put them in the trunk or hide them as best you can. And do it before you get to your next destination.
  4. Leaving your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. And even the worst thieves can steal a car that’s been left unlocked, with no alarm set.
  5. Assuming nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe — even if you think it’s just a “junker”.

Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these five common mistakes helps save you money and stress. Stay safe, not only on the roads, but in the parking lots as well!

Contact Us!

At INW Insurance Group we can work with you to make sure you’ve got the coverage you need while simultaneously using all possible credits and discounts to make that coverage affordable. Give us a call us at 480-626-0797 or send us an email at info@inwinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Umbrella Insurance: Protection For Your Assets

Protecting your family and livelihood is a top priority for most people, which is why it is so important to have quality insurance. But in the event of a devastating tragedy or lawsuit, do you know if you will be covered? While your current insurance policy may cover some damages or legal fees, an umbrella insurance plan goes further. An umbrella policy is an additional level of protection on top of your existing insurance policies, and it is designed to protect you and your assets from harmful liability claims or judgments exceeding the coverage of those other policies.

Umbrella insurance protects you from a wide range of perils in just about every area of your life. It adds even more security than the liability protection found in your personal auto, homeowner, and boat insurance policies. From being legally deemed responsible for physical injury to another person or property to being sued for libel or slander, umbrella insurance is there for you when you need it most. Of course, an umbrella policy is an added layer of coverage, not a replacement for basic home and auto insurance.

For the protection that umbrella insurance policies provide, they are relatively inexpensive. A typical policy ranges from $200-300 annually, usually starting at $1M coverage. Many people often have assets through home equity. However, this can be at risk in the event of a large lawsuit, which is starting to become a trend in the United States as they become more and more common. In Arizona, the only assets that are protected from creditors and judgements without a trust are $125,000 equity if a person has owned their home for less than five years, and $150,000 equity if a person has owned their home for more than five years.

An umbrella policy also protects you regardless of location. If your dog bites somebody in the park, or you accidently injure someone while driving overseas, umbrella insurance has you covered. There have been cases involving Arizona natives driving their own vehicles while vacationing in Rocky Point, Mexico, and the lawsuits were brought back to the United States. In these types of scenarios, not having an umbrella insurance policy could put your finances and assets at risk.

INW Insurance Group, located in Mesa, AZ, offers a wide variety of umbrella insurance coverage options to protect you and your assets. Give us a call at 480-626-0797 to discuss how you can ensure extra protection, financial security, and peace of mind for you and your family today.

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.