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.

 

Is It Time to Update Your Home Insurance?

Reviewing your home insurance policy annually helps you evaluate whether adjustments need to be made to your coverage. A change in your home or lifestyle could require an update to your policy in order to maintain adequate coverage. If any of the following scenarios apply to you, it may be time to update your home insurance policy.

Major Home Remodeling

If you overhauled your kitchen or bathroom, expanded your patio or added a new pool to your home, you need to update your policy to include these renovations in your coverage. Home renovations are not automatically covered by your current insurance policy. You need to add renovations to your policy in order to protect your financial investment. 

Home renovations that increase property value make a home more costly to repair or replace if damaged. By assessing your new home value with INW Insurance Group in Mesa, AZ, you can make the necessary adjustments to your insurance coverage.

Lifestyle Changes

Lifestyle changes such as getting married or divorced could affect your home insurance coverage. If you’re merging your household with your spouse, you may need to raise your personal property limits to include your spouse’s belongings. If your spouse brings posh jewelry, heirlooms or antique furnishings to your home, you may need additional insurance to protect these costly items. In the event of divorce, you could reduce coverage of personal effects that will no longer be on the property.  

Big-ticket Items

The purchase of big-ticket items such as costly electronics or pricey jewelry will require additional coverage as standard homeowners insurance won’t be sufficient to cover the cost of repairing or replacing these valuables if they are damaged or stolen.  

By updating your home insurance with INW Insurance Group, you can have full confidence that your home and goods have adequate coverage to meet your needs.

Got Foundation Problems? What is Covered By Home Insurance

If a contractor tells you have foundation problems that need to be repaired, dollar signs may immediately flash in your head. Foundation repairs are not cheap. Fortunately for you, some issues may be covered by your home insurance policy. Here is some information that an adjuster will look at when determining whether your foundation issues will be covered by home insurance.

If the Cracks are Considered Normal Wear and Tear

One of the first things an adjuster will look at when assessing your foundation problems is the size of the cracks. Small cracks are often caused by settling. This is considered normal wear and tear and most home insurance policies do not cover regular wear and tear. Regular wear and tear requires a homeowner to perform routine maintenance on their home, something policies do not not typically cover. Lucky for you, small cracks are relatively easy and quick to fix.

What Caused the Damage and What Your Insurance Coverage Covers

The other factor that an adjuster will figure out when determining if your foundation problem is covered by home insurance or not is what caused the damage. For example, floods and earthquakes can cause major foundation problems. However, if your policy doesn’t include flood coverage or earthquake coverage, your foundation claim may be denied. As such, it is important that you always know what type of coverage you have.

If you are looking for a home insurance policy that will fully protect your home, contact INW Insurance Group, serving the greater Mesa, AZ area. Our insurance agents can help you determine what insurance coverage you need and then put together a plan that meets your needs. Call us today to get started.

Protecting Your Home Against Termites

In Mesa, AZ and throughout the state, termites are an ongoing concern.  In fact, there are between 12 and 18 termite colonies for every acre of land in Arizona.  These termites, mostly the subterranean type, live beneath the soil.  They build large colonies that can house hundreds of thousands of them.  They feed on wood and can even eat through your drywall and insulation.  There is hope in protecting your home from an infestation.  Use these tips to help protect your home against termites.

Tip #1: Contact a Professional Termite Control Company

If you already have a termite issue, contact a professional termite control company for help.  You can also seek advice from one of these companies on preventative measures.  They can share expert advice and options such as using a chemical barrier around your home. This may help to deter termites. 

Tip #2:  Practice Routine Home Maintenance

Good home maintenance is another way to prevent termites. They can enter your home through even the tiniest of cracks, so be diligent about keeping these sealed and repaired as much as possible.  Termites also look for a water source.  Make your home less attractive to them by repairing leaky water pipes and faucets right away.

Tip #2:  Be Mindful of Your Outdoor Landscaping

Termites like wood.  Therefore, avoid any type of wood too close to the home.  Do not use wood mulch in planting beds around your home.  And try to avoid planting trees, bushes, and other plants too close. They should be at least three feet away.  Also, any wood structures near the home need to be at least six inches off the ground.

Your home is a big investment.  Avoid termite issues common to Mesa, AZ by taking these precautions to keep it safe. Contact INW Insurance Group today to learn more.

5 Things to Know when Buying Home Insurance

Purchasing a home is a major financial decision and it is imperative that you make sure your investment is adequately protected. If you have purchased a home or are thinking about purchasing in the Mesa, AZ area, an agent at INW Insurance Group would be happy to discuss the following topics:

Know the Value of your Home

You need to know exactly how much your home is worth in order for you and your agent to determine the level of coverage you will need. This means figuring out how much it would cost to replace the home.

Take Advantage of Discounts

There are actions you can take to earn discounts on your premium such as having an alarm system installed, updating heating systems or installing deadbolts.

Your insurance agent can review your home’s features and make sure you are receiving all of the discounts you are entitled to.

The Deductible

A high deductible may save you in the short-term, but if you will struggle to pay it in the event of a claim then that may not be the best option. Discuss the different deductible options available.

Understanding your Coverage

Insurance policies have coverages as well as exclusions and it is imperative to understand both. For example, flood and earthquake coverage may be excluded so you will want to decide if you want to purchase insurance for those specific events. Although Mesa, AZ is not known for its earthquakes, it is a coverage you may want to consider given the increased earthquakes in nearby states.

Claims Process

Learning about the claims process of your insurance company when you need to file a claim is not ideal. You should ask about the claims process prior to committing to a carrier.

If you have any additional questions, please reach out to INW Insurance Group at 480-626-0797.

 

3 things to fix around your home in preparation for fall

The advent of cooler weather means it’s time for fall chores for homeowners in Mesa, AZ. Figuring out exactly what needs to be done can be a challenge, however. Fortunately, at INW Insurance Group we know exactly what you need to do to get ready for this season.

  1. Prepare your yard.  Trim back tree branches that could fall and damage your home or cars.  Also rake up leaves and remove debris from that can form hazards once rainstorms come in.  While you’re busy with the yard work, take a few minutes to store summer toys and patio furniture.  When winter storms roll in, having these items properly secured will give you one less thing to worry about.
  2. Service your HVAC system.  Fall is a good time to have your unit professionally inspected and the fluids refilled since many HVAC companies tend to have less work and emergency calls during this time of year.  If you decide not to have your unit serviced, at least take a few minutes to make sure your outside units are clear of debris, and change the filters and vacuum dust from the interior unit and ductwork.
  3. Inspect your roof.  Use the cooler weather to get into your attic and look for signs of dry rot and water damage.  Also make sure that you clear leaves and dirt from the roof.

It’s also a good idea to check your homeowner’s policy and look for things that need updating.  For help with this chore, call the agents at INW Insurance Group.  They have years of experience helping people in Mesa, AZ get the coverage they really need.

The Importance of Shopping Around for Home Insurance in Mesa, AZ

If you live in the state of Arizona, there are specific things that you need to know about the insurance policies that apply to you. If you live in Mesa, AZ, you should do the appropriate research to make sure that you know everything about home insurance as it applies to you. 

Home insurance is actually not a requirement in terms of the law. However, if you are paying a mortgage, your lender may require you to purchase home insurance as a condition of agreement. You do not have to purchase home insurance from the company recommended by your lender, although many people do this just to make things simpler. However, in these situations, the only requirement is that you purchase some type of home insurance, not that you follow every recommendation that your lender gives you. As such, you can do some research. There are many unbiased sources online and elsewhere that can tell you what different companies will charge for the identical services and coverages. Some of these include your state insurance department, public library, and consumer publications. When you purchase insurance, you are entering into a long-term agreement, so it would very much behoove you to enter into the agreement that will save you the most money while providing all the coverage you need. Also, you should not feel resentful about being put in the position of having to get home insurance. Even though it is not a legal requirement, it is very important to have home insurance, as it can provide you protection from all sorts of different unexpected crisis situations.

If you have questions about home insurance in Mesa, AZ, you can feel free to go to INW Insurance Group. The agents at INW Insurance Group have all the information necessary to be able to answer your questions and tell you everything you want to know about home insurance in the state of Arizona.