Variables That Arizona Residents Should Think About While Researching RV Insurance

INW Insurance Solutions serves the Mesa, AZ community by offering residents multiple types of insurance policies. We are committed to helping our clients find coverage that suits their individual needs. As an independent insurance agency, we have established successful partnerships with several carriers throughout the Pacific Northwest.

RV Insurance Variables

Traveling around Mesa, AZ in an RV gives you the opportunity to enjoy different settings while still experiencing the comfort of home. RV insurance allows you to protect your vehicle while you are traveling around. RV insurance protects you if you are involved in a collision and your vehicle suffers damages. You’ll also be covered if your vehicle is vandalized or if your personal items inside of the RV are stolen. Here are some variables to consider while researching different policies.

The Type Of RV That You Have

Your policy may vary depending on the type of vehicle that you have. If you have a smaller RV, you may need a different type of coverage compared to if you have a larger RV. You will also have to consider whether you use the RV on a regular basis or if you only use it occasionally.

Getting Your RV Appraised

Having your RV appraised is a good idea to help determine its true value. This is important if you plan to renovate your RV in the future. You can amend your policy to cover any special accessories on your RV.

Storing Coverage

If you plan to store your RV during the winter or whenever you do not plan to use it, the policy will cover you. Accidents can happen at any time and you will have peace of mind in knowing that your RV will be covered if it is accidentally vandalized.

Consult With INW Insurance Solutions

For more information on RV insurance, visit our website today!  

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.

Do I need boat insurance in Mesa?

The Mesa, AZ area is a great place to live in or visit any time of the year. This area is well known for the long hot summers. If you are looking for a way to escape the heat, a great option would be to purchase a boat. When you are going to get a boat here, you need to consider your insurance needs which could include getting a full boat insurance policy. There are several reasons why you may need this coverage.

You Have a Boat Loan

One reason to get insurance is if you have a boat loan. Taking out a boat loan is a good option for many people as it will help to make the boat more affordable. If you have taken out a loan, it is important that you get the right coverage. The loan agreement will stipulate the type and level of insurance coverage that you need to have.

Local Requirement

Having boat insurance could also be a local requirement. Depending on where you want to use your boat in Mesa, you may be required to carry a full boat insurance policy. This insurance will give you liability protection in the event you cause an accident. Due to the benefits, many local waterways and marinas require owners to carry insurance.

Anyone that owns a boat in the Mesa, AZ area should seriously consider their boat insurance needs. To ensure that you pick the right policy to meet your needs, you should speak with the team at INW Insurance Solutions. When you do call INW Insurance Solutions, you can better understand how boat insurance can protect you. They can then help you to build a personalized policy that offers you the right coverage for you and your watercraft.

What Small Business Owners Need to Know about Insurance

Small mistakes can cause huge problems for small businesses. Not having insurance puts your business at risk against lawsuits, accidents, and other damages. Our agents want you to know that we will help find a plan for you, regardless of the industry your business is in. So, what type of insurance do you need? INW Insurance Solutions can help you figure that out by helping you discover the necessary and additional insurances you can consider for your business. Additionally, many of our carriers don’t just insure individual needs—they can insure your business too!

Worker’s Compensation Insurance
If you have employees, most states may require your business to have some type of insurance such as worker’s compensation. Worker’s compensation does not eliminate the risk of accidental injuries when employees are working, but it does provide coverage for employees when they are injured from work related instances. For example, Markel Specialty’s policy can provide benefits for lost wages, medical care, rehabilitation services, legal representation, and funeral expenses. After all, your employees are valuable to your business, so it is important to protect them.

Commercial Property Insurance
Don’t let a damaged sign or broken window be the first impression customers get when visiting your business. Whether your business is located in an office, retail store, or even inside your home, we recommend having commercial property insurance for your business. In the event of fire, storm, or vandalism, having property insurance can help relieve some stress since it can aid in restoring or replacing items including documents, equipment, and fixtures that were lost or damaged.

General Liability Insurance
No industry is exempt from a lawsuit. And all it takes is one bad lawsuit to shut your business down. Therefore, having general liability insurance is important in case your business is found to be responsible for injury or damages. General liability can help cover the costs related to medical and legal expenses. You can consider adding additional endorsements such as liquor liability, product liability, or fire legal liability with Nationwide which can enhance your basic policy to be more specific to your business.

Additional Insurance
Insurance for your small business proves to be necessary when the unexpected happens. As your business continues to grow, it would be best to update your plans and add more coverage such as commercial umbrella insurance. You may want to consider commercial umbrella insurance if you believe your business may be more vulnerable to costly lawsuits and damages that exceed your policy limits.


You’ve put your dreams and passion into your business. But have you thought about the risks that could put your hard work out of business? With INW Insurance Solutions, you can focus on your business entirely instead of worrying about comparing multiple insurance carriers. We work to find you the best protection for your business. Our carriers such as Nationwide and Markel Insurance provide great plans for small businesses. Give us a call or visit our office where we can discuss the specific details of the small business you have and offer recommendations on the plans that best match your needs.

Why Cheap Insurance Isn’t Cheap

Picking the cheaper option always sounds enticing, especially when it comes to thinking about ways on how to save money. Our paychecks dwindle away from rent, bills, car payments, and errands but is cheaper the best way to go with something like insurance? At INW Insurance Solutions, there is a big difference when it comes to the protection you’ll get with a cheap insurance option and an affordable one.

No one ever wants to pay more than they have to. During this difficult time where many are facing reduced hours or major life changes, you may be considering switching your insurance to a cheaper plan. However, getting cheaper insurance could end up costing you more. Cheap policies mean less protection and if something happens, a bigger out of pocket expense you’ll have to take care of. Cheap insurance sounds like a good deal until you realize you are putting your valuables and hard-earned money at risk.

A great insurance policy that meets your needs doesn’t have to be expensive. With 14 carriers including Travelers, Safeco, Nationwide and more to compare and research, your agents at INW Insurance Solutions look into policy and pricing options for you to find affordable and cost-effective coverage. Additionally, many insurance carriers are offering flexible programs and assistance to clients. When we find the right insurance and plan, you’ll be protected without feeling a toll on your bank account.

INW Insurance Solutions is always looking for ways to save you money without sacrificing quality. We’re also sharing our favorite money saving tips:
• Establish a budget: Track and determine how much you make and how much you spend. By doing so, you’ll be able to see what expenses can be reduced and where you can direct savings towards. Establishing a budget for items such as groceries or gifts can help prevent overspending.
• Set a goal: Paying off debt, saving up for a vacation, or just wanting to be prepared for emergency expenses are examples of goals you can work towards. Setting a goal will help you feel motivated to set money aside and invest into your savings.
• Have a “No Spending Day” once or twice a week: As simple as it sounds! For the day, don’t spend money on unnecessary purchases. If you have an impulse purchase…wait out the day and see if you still want it the following day. Soon, you’ll notice those days add up to big savings!

If you have any questions or want to review your coverage to adjust to your needs, visit our office or give us a call today.

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.

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.

Planning Ahead for Future Trips

With tight flying and traveling restrictions, summer plans have dramatically changed this year. Now many are taking to the road to get away from the house. But more drivers on the road could mean more risks like accidents and needing roadside assistance. INW Insurance recognizes that these circumstances can impact the current auto or RV insurance plans you want or need. We are here to help you with any questions or changes you have before you venture out onto the road.

And for future vacations, it is now more important than ever to consider all the possible scenarios that can ruin even the most established plans. INW Insurance offers travel insurance which can help cover you from unexpected events and losses like trip/flight cancellations and baggage theft.

The CDC and health experts continue to recommend staying home and practice social distancing but if you are planning to take a scenic road trip or escape into the woods with your RV, it is important to take extra precautions to protect yourself and others. In addition to the many road trip and travel essentials, consider:

  • Hotel, store, and dining closures
  • Packing hand sanitizer, disinfectant wipes, and masks
  • Social distancing
  • Staying updated and following CDC and health department guidelines/ information

So, while the dream getaway vacation overseas may be postponed for now, INW Insurance can help protect your auto, RV, and travel needs. Before you plan your next vacation, give us a call to check and update your coverage.

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.