Can You Increase Your Home Insurance Coverage Before the Contract Expires?

An important part of owning a home is selecting the appropriate home insurance. This is especially important if you are financing your residence. Over the course of time, you may make improvements or additions to the home that make it necessary to change the amount of coverage you have on the home. So, you may be wondering if you can change your coverage amount before a policy expires?

Changing Your Coverage

If you decide to remodel or add a room to your home, then the value of your home will change and so will your policy needs. In most cases, you can easily edit your home insurance policy to reflect these changes. Before you purchase your policy, you should consult your agent about the proper procedure to change your policy should you need to before the policy needs to be renewed. They will tell you how to proceed so you don’t have gaps or lack of coverage. Usually, the process is simple and only takes a few minutes. 

Quality Insurance Products

Make sure you choose quality insurance products from a reputable Insurance provider such as INW Insurance Group serving the people in an around the Mesa, AZ area. They can help you discover the options you need to have security and the right type of protection to prevent potential loss. Discuss your situation with a knowledgeable agent and find out how the process of increasing your home coverage works along with the proper procedures to follow to ensure continued coverage.

Always understand how your insurance coverage works and the steps necessary to change your coverage when the time comes. Let INW Insurance Group help you get the complete coverage necessary to give residents in and around the Mesa, AZ area peace of mind.  

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.

Don’t Get Burned by Cheap Insurance

From shopping for insurance to everyday groceries and everything in between, it’s often tempting to purchase the cheapest option. After all, the average American spends $5,261, or 12% of their annual income, on home, health, life, and auto insurance per year according to a NerdWallet study. However, choosing the less expensive product or service often goes hand in hand with sacrificing quality. With INW Insurance Group located in Mesa, AZ, that doesn’t have to be the case. Knowing the difference between inexpensive and cheap insurance lets you shop smarter, make informed decisions, and get the quality you deserve at a price you can afford.

Cheap insurance often means settling for inadequate coverage, or worse, no coverage at all. According to the National Association of Insurance Commissioners, 144 fake insurers sold fake health insurance to more than 200,000 policyholders nationwide between 2000 and 2002, resulting in more than $252 million in unpaid claims. Unfortunately, health insurance wasn’t the only type of fraud insurance being sold. There are still numerous companies selling fake auto, homeowners, and rental insurance today.

Cheap insurance could also mean extremely limited options. Even if you have a trustworthy insurer, extremely cheap insurance often has many restrictions that prevents you from being covered in times of need. In the event of a natural disaster or tragic accident, cheap policies will not likely allow you to rebuild in the future. That’s why it’s so important to find a trusted and reliable insurance company, like INW Insurance Group, to help suit your needs.

To prevent you from being burned by cheap insurance, it’s important to research your insurer to make sure they’re the real deal and read your policy thoroughly. Start thinking about worst case scenarios, and double check that you are covered. What matters most is you know exactly what type of scenarios your policy covers—and those it doesn’t.

When you value something, it’s important to protect it. Avoid the temptations and scams of cheap insurance and let our team of agents at INW Insurance Group help you find the perfect policy that fits your lifestyle and budget today. Because as we all know, peace of mind is invaluable.

Special Home Insurance Needs for Those Living in the Southwest

The potential risks faced by Americans differ substantially, depending on where they live. People who live in the southwest are not likely to need insurance coverage for hurricane risk. However, they are very likely to need adequate insurance coverage for damage caused by dust storms to their homes and to their vehicles.

Newcomers, moving to the southwest, may be unaware of the unique risks to people and property living in a desert environment. For this reason, it is best to consult with an insurance agent at INW Insurance Group in Mesa AZ for a thorough review of existing coverage and suggestions for how to improve your coverage in accordance with your personal needs.

Extra Coverage Needed for Very Valuable Items

Home insurance may cover the basics; however, your agent will explain what is not covered. It is a good idea to have the replacement value of the home as the amount insured and update this amount at least on an annual basis or if any significant changes have been made to the home.

The contents of the home need to be considered, especially if there are valuable items such as jewelry or fine artwork. Usually, expensive items can be insured more effectively with a separate insurance policy.

Personal Liability

It is also important to consider any personal liability risks. This can come up in unexpected ways. For example, if someone is on your property and is bitten by a snake, even though the homeowner had nothing to do with this, they may have liability for it happening. If you have a swimming pool it needs to be protected from unauthorized access. If a child gets in the pool and then drowns, the homeowner can be held responsible.

Conclusion

Dust storms, snake bites, and swimming pools are just a few of the special risks found in the southwest. Be sure to contact your agent at INW Insurance Group, serving Mesa AZ and the surrounding area, for an insurance review and a quote.

Does Renters Insurance Cover Pre-Existing Damages?

It is always wise to purchase renters insurance when you are renting an apartment, a condo, a townhome or a house. The owner’s home insurance policy will not cover any of your belongings that are damaged if something happens in the home, nor will their policy pay if you are displaced from the house either temporarily or permanently. If you are moving into a home and you see signs of water damage or other pre-existing damage, you may find yourself wondering if your renter’s insurance policy will cover this if a leak occurs or other problems arise. We are often asked this question here at INW Insurance group, serving the greater Mesa, AZ area. Here is the answer.

If there is existing damage to a rental property, you will want to ensure that that is specified with your landlord ahead of time. Most people take pictures, document it and include it in a walkthrough. If it turns out that the issue was pre-existing and was not fixed prior to you being there, your insurance will likely not cover it and their home insurance or renters insurance policy will need to cover both the damages and the damages to your property as the owner knew about it ahead of time. This is the exception to owners being responsible for tenants property, rather than the rule.

If you are moving into a new rental property or are already living in one and do not have renter’s insurance, now is the perfect time to obtain a policy. If you are in the greater Mesa, AZ, Call INW Insurance Group today to get a quote for a new renters insurance policy and fully protect yourself and your belongings.

Do You Need to Upgrade Your Home Insurance for 2018?

The onset of a new year is a good time to review your homeowner’s insurance to see if you need to update your policy. Major changes in your home or lifestyle could affect your coverage or make you eligible for discounts on insurance costs. An insurance upgrade may be necessary for 2018 due to:

Major Home Renovations

If you made major renovations to your Mesa, AZ home in 2017, i.e. kitchen overhaul, new deck, bathroom remodel, you’ll need to update your home insurance to protect these assets.

Major home improvements also increase the value of your property, requiring that you reassess your policy’s property damage limits to ensure they still cover the cost of repairing or replacing your abode in the event of a loss.

Some home improvements such as installing a home alarm system or upgrading your plumbing could qualify you for a discount on your policy. By discussing renovations with your INW Insurance Group agent, you can see what effect they have on your insurance coverage.

Change of Lifestyle

Sometimes a change of lifestyle can affect home insurance coverage or costs. If you retired in 2017 or quit smoking, you could be eligible for a discount on your policy. If you added a new pool or home gym to get more exercise, you may need additional liability coverage to protect you against accidents.

Pricey Items

You may have received pricey gifts in 2017 such as posh jewelry or expensive electronics that need to be added to your 2018 home insurance policy to protect them against theft or loss. By reviewing your policy, you can see if you need to increase your limits or obtain extra coverage to protect these goods.

An updated home insurance policy from INW Insurance Group serving Mesa, AZ, will protect your interests for 2018.

Cheap Insurance or Quality Insurance?

Think back ten or fifteen years. Did you think you were going to be a homeowner, have multiple vehicles or have kids running around the yard? It probably wasn’t on the top of your mind, but now it’s your whole world. Why would you want cheap insurance protection for everything you have worked so hard for? You are living a quality life, you should have quality protection.

What is your quality of life worth? Isn’t it worth spending more than a few minutes to properly protect what you’ve worked so hard for here in Arizona? When you purchased your home did you walk into a real estate office, close your eyes and ask for the cheapest home without concern for location, quality and options. When you purchased your current vehicle, did you walk into the dealership, close your eyes and ask for the cheapest car without regard to body style, color, options and safety features. Most likely, your answer is no. Therefore, why would you protect these items in such a way? When you go online or call a toll-free number looking for cheap insurance, that’s what you’re doing.

Here at INW Insurance Group, our goal is to carefully evaluate your coverage needs to find you the best options while still saving you money. INW Insurance is an independent agency working with top-rated insurance carriers. We do the shopping for you and eliminate the worry of having quality coverage in Arizona. That’s why INW stands for “I’m Not Worried”.

Here are some tips to save money on quality Arizona insurance.

  • Consider increasing your deductibles, as sometimes this may reduce your premiums up to 15%.
  • Ask about safe driving programs. These will evaluate specific driving habits over a short period to determine safe driver discounts up to 30%.
  • Consider paying your premium in full or setting up a monthly checking account draft as these provide a lower premium compared to other payment options.

You can save money without sacrificing quality insurance coverage by speaking with an INW Insurance Professional today.

Protecting Our Community Heroes

Did you know that INW Insurance offers special discounts and rates for those that serve and protect our community in Mesa, AZ? Not only do we serve those in our own community but we can get you these great rates no matter where you live in Arizona. INW Insurance has you covered. This can include teachers, policemen, firemen, military, and government personnel. These are the people that not only protect our community but also shape our future. Our agents here at INW Insurance want to find the best way to give back, so we are now offering lower rates and special discounts as a token of our gratitude.

There are several community heroes that go unnoticed or unrecognized every day. It is our mission to not only recognize these heroes for what they do on a regular basis, but to spread awareness of what they do for our community. We aim to do this in many ways, the first, obviously by being able to provide discounts on their insurance. The second is community involvement, we believe that by actively volunteering our time in the community is the best way to show our appreciation to local heroes. There are very few limitations and there are a wide variety of jobs that can get you significant discounts on your insurance.

We want to know what our community in Mesa does to support our local heroes. You might be part of a charity organization, you might volunteer your time, a family member might be a hero themselves, whatever it may be, we want to know about it! You can leave a comment below or post a comment on our Facebook! Let’s show some support for our community heroes!

Driveways: Are They Covered By Home Insurance?

INW Insurance Group has helped people across the state, including in cities like Phoenix and Mesa, AZ, get the coverage they need to protect their home. Many of our customers are worried about their driveways and wonder if they are covered by home insurance.

Driveways Are Considered Part Of Your Dwelling

As most homeowner’s insurance policies will cover structures on your property, your driveway is most likely covered. It is viewed as an investment in your home and a vital structure for your home’s well-being. As a result, you can use home insurance coverage to pay for a variety of problems.

Naturally, you can’t ask your insurance company to pay for problems that you have caused. However, large cracks caused by heat or damaging pests and rain may be covered by your policy. Make sure to talk to your agent before making a claim to ensure that your driveway’s damage is covered.

However, That Comes With Qualifications

While most homeowner insurance policies will cover most of the structures on your property, there are circumstances in which it will not. 

What are these circumstances? One such circumstance may be if you own a building on your property where you do separate business. For example, if you own a garage where you do mechanic work, you would need a different type of business insurance for it.

That goes for its driveway as well. That driveway, even if it is on your property, is considered part of a commercial business. This is especially true if it serves no other purpose but to get to your separate place of business. As a result, your homeowner’s insurance would not cover that driveway, and it would need to be insured by another policy.

Get The Help You Need

If you live in Mesa, AZ or the surrounding areas and need help insuring your driveway, please contact us at INW Insurance Group. Our experts can provide you with the crucial insight that you need to protect your driveway and avoid severe and costly damage.