When Do You Need a Home Warranty?

Strange noises? Bad smells? Lights flickering on and off? Before you think your house is haunted, your independent agents at INW Insurance Solutions can assure you, it’s no ghost. The culprits behind these spooky occurrences could be anything from a leaky faucet, broken garbage disposal, a faulty electrical system, or any other aging household appliances and systems. You may be wondering, does your home insurance policy cover this? Or do you really need a home warranty?

While home insurance policies and home warranties are designed to protect your home, they are not the same thing. The key distinction between a home insurance policy and a home warranty depends on the circumstance. Home insurance will cover the damages and losses to appliances/systems from unexpected events such as accidents, weather, or theft. For example, if your laundry machine is destroyed in a fire, home insurance will provide coverage. Meanwhile, if your laundry machine stops working due to normal wear and tear, a home warranty may help repair or replace it.

We recommend having both since a home insurance policy and a home warranty protect your house in unique ways. Only having one does not cover against everything that can happen. For example, if trick or treaters get injured on your property, a home insurance policy could cover liability and protect you against possible lawsuits.

Your household appliances and systems are essential to your home. Even new, properly maintained appliances and systems can break or malfunction without any notice. It can be expensive to replace major appliances like refrigerators or repair air conditioning issues. For such instances, having a home warranty is vital because a home insurance plan will not cover the aging or wear of your home appliances and systems. Having a home warranty in addition to your home insurance can be extremely beneficial in protecting your home against the unexpected.

Who you gonna call? INW Insurance Solutions. (Sorry Ghostbusters). We’ll make insurance a little less scary this Halloween season by working hard to find a plan that protects your home. Call us today to discuss adding a home warranty plan to your home insurance policy today. Our carrier, Safeco, offers a $25 discount on a home warranty contract but we have many other options to choose from. Go ahead and watch a horror movie, we’ll be here dedicated to finding you a plan that gives you peace of mind this Halloween season.

Why a Scheduled Personal Property Endorsement Matters

“Have you seen my ring? It was just here!” One moment you place your item down and the next it’s gone. We’ve all had those heart stopping instances (even here at INW Insurance Solutions). You turn the whole house upside down trying to find your prized possession. Finding it is the ultimate relief, but maybe next time you won’t be so lucky. It could get stolen, damaged, or lost forever which is why it is a good idea to consider an insurance policy for your items.

While your homeowners, condo, or renter’s policy may cover some items for certain situations, a scheduled personal property endorsement can provide total replacement for your specialty items. However, it’s not just for jewelry. It can cover other belongings such as collectibles and memorabilia, sporting equipment, firearms, musical instruments, fine art, and antiques. 

INW Insurance Solutions understands that your possessions are more than just items. Maybe they are gifts from a dear friend or something you worked hard to save up for. By getting a scheduled personal property endorsement, you’re not just protecting your belongings and assets, you’re protecting the valuable significance and cherished memories.  

Call INW Insurance Solutions today to talk us about which items you should endorse, the level of coverage you need, and see how we can help you.

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. 

Other unknown things covered by your home insurance

Homeowners in Mesa, AZ know the importance of having a basic home insurance policy. A home insurance policy covers a wide range of perils and ensures that you do not need to back to your pockets to start a new home. But did you know that there are other optional coverages under home insurance that you don’t know anything about?

At INW Insurance Group, we are keen to educate our policyholders about these other unusual things covered by the home insurance policy that we suppose they do not know:

  • Fire department charges: Fires are a common occurrence in the home and can turn out to be devastating. The fire department may charge you based on the extremity of the fire. Your homeowner’s insurance coverage will cover these costs.
  • Dorm burglary: For those with students in school, burglaries happen, and a homeowner with this policy will ensure their children are protected in case of a burglary.
  • Wild animal stampede: This may sound a little off, but very relevant for people who have come across vast herds of animals passing by their homes. When these animals destroy anything covered in your home insurance, your insurance company will repair the damage or replace it.

To know about other unusual things covered under home insurance, speak to INW Insurance Group specialists or visit our offices in Mesa, AZ. 

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.