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. 

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.

4 Benefits of a Customized RV Insurance Policy

From the angle of your rearview mirror to the way you position your seat for maximum comfort, your driving style is unique. Your RV insurance policy should be too. INW Insurance Group can customize your Mesa, AZ RV policy to more closely match your personal preferences, goals, and circumstances. These are just some of the ways a customized policy improves your daily experience.

  • Design your policy to support your personal financial goals. Choose a higher deductible to free up cash flow each month that can be funneled into your personal savings. If your emergency fund isn’t in the best shape, switch to a lower deductible plan to ensure an accident doesn’t dry up your small stash.
  • Make sure your coverage matches your adventure style. Luxury travelers who tote along outdoor cooking accessories, sports equipment, or pricey hobby tools like high-speed digital cameras can extend their policies to provide payment for the loss, theft, or covered the destruction of high-value personal items in your RV.
  • Find access to no-hassle emergency help when you’re on-the-road. Roadside assistance coverage can turn your RV accident from a tragedy to a small hiccup in your plan. Mechanically talented drivers still benefit from this coverage. When you’re stuck miles away from the nearest auto parts store, roadside assistance can quickly come to your rescue.
  • Make your policy fit the way you use your RV. Vacation-oriented RV owners can pause and restart their policies to match their travel plans. Full-timers can talk to their agent about increasing certain coverages to protect their home-on-wheels.

With INW Insurance Group, you don’t have to settle for one-size-fits-all RV insurance. Contact our representatives to talk about tailored coverage for your Mesa, AZ rig.

Things your boat insurance covers

For many people, owning a boat is a dream come true. It does, however, comes with some liability. Boat owners in Mesa, AZ can feel confident talking to the agents at INW Insurance Group to discuss what the ramifications of being a boat owner are and how best to protect themselves and their assets. While boat insurance is not required in Arizona, it may be required by your lender if you finance your boat or by a marina where you store your boat. 

Boat insurance has many of the same coverages that you would get with an auto policy collision damage to your boat, liability coverage, and non-collision damage. 

Liability coverage

Liability coverage protects you against any kind of litigation that may be filed against you whether for property damage or bodily injury. If someone is traveling with you in your boat or is a passenger in a vehicle you have a collision with and is injured, you may face being sued. This coverage also covers damage by you to other water vehicles and structures such as docks or piers. 

Collision coverage

Collision coverage protects your vehicle from damage that results from a collision. It also covers the motor and the trailer. You likely have a large investment in your boat and you would not want to lose that investment due to an accident. 

Comprehensive coverage

Not all damage is caused by a collision, weather can be very damaging to your boat. Vandalism and theft are also part of this important coverage. 

When you own a boat making sure that you have the correct insurance to protect you, your assets and others is vital. In Mesa, AZ the knowledgeable staff at INW Insurance Group has the information that you need to make the most informed decision. Give the office a call or stop by for a no-obligation quote.

Does My Motorcycle Need To Be Insured When It’s In Storage?

When the temperatures in Mesa, AZ begin to drop, most motorcycle riders start the season by topping off their bike’s tank, adding fuel stabilizer, and doing other steps that ready their bike for winter storage. That’s when some bike enthusiasts wonder if they can save a few dollars by temporarily canceling their motorcycle insurance. Should you cancel insurance on your motorcycle when it’s been retired to the garage? It may be tempting, but here’s why you’ll find it’s probably not the soundest practice. 

Why You Should Keep Yourself Protected While Your Motorcycle Is In Storage 

Is your bike definitely going to be in storage for the season? Even if Mesa experiences unseasonably warm winter weather, if you have canceled your INW Insurance Group policy, you’ll have to fight the urge to take your wheels out for a ride, or else you won’t be covered for any accident or another unfortunate event. 

Even when your bike is safe and sound in storage, you need to remember your bike still faces risks such as theft, vandalism, fire, and weather damage, If you cancel your insurance coverage, and something happens to your bike, you’ll have to pay any damages repair costs yourself. 

What You May Be Able To Do To Save 

One option you may consider is to raise your deductible while your bike is in storage, which usually results in a lower premium. Remember that you’ll need to have cash on hand to pay the higher deductible if something did happen to your motorcycle. Your driving record, how many miles you typically ride, and the location where you store your motorcycle are other possible factors that may impact your premium. 

So, give your INW Insurance Group agent a call today, or stop by our Mesa, AZ office to get answers to all your motorcycle insurance coverage questions. You may find that there are other opportunities to help reduce the cost of your motorcycle policy – that will not only help you out while your bike is in storage but year-round.  

Do You Have to Have RV insurance?

An RV is a fantastic thing to have and can bring tons of fun and joy into your life. Having it properly insured is a must and having a great RV policy is something that you certainly need to keep in mind. For those that live in the Mesa, AZ area, the agents with INW Insurance Group can help you to determine what sort of policy you need and what is going to work for you.

An RV can technically be insured on your auto policy for a bit more than you might insure a car. If you are planning on driving your RV on the road, you can certainly add it to your auto policy if you want insuring to be simple and easy. For those that have an RV that does not drive or that is not driven on the road, you may be able to have it insured on your home owner’s policy. This would not cover you if you were driving it but would cover you if you were  going to park it in a garage for instance or on your property.

For those that are driving your RV or own a specialty RV, you may want to look into specialty insurance policies that are specifically geared toward RVs. This type of policy is going to cover the RV itself, any special amenities it may have, and the contents as well. This is going to help you make sure you are going to be able to keep your RV taken good care of and that it is going to be covered should something happen to it. For those that live in the Mesa, AZ area, the agents with INW Insurance Group can help you find the policy that works for you and best protects your RV.

Are Towing Services Covered by My Boat Insurance Policy?

Owning a boat in the beautiful Mesa, AZ area can give your family a lot of wonderful memories of your time spent together out on the water. The team at INW Insurance Group is here to help you review your boat policy, or obtain your first one, and make sure that you are aware of all of the different options that are available. Families, especially those with young children or elderly members, may be apprehensive about going out on the water too far because of their concern for the young and old in their group.

No One Wants to Be Stranded On Their Boat!

Yes, it may be more exciting to travel further offshore, but if you are concerned about what may happen if your boat breaks down, it may not be worth it. Anyone who wants to enjoy their day out on the water without the additional worry about towing protection can add that coverage option to their basic policy. Towing services can get expensive, and having a hefty invoice on top of a ruined day out on the water can be enough to frustrate even the most patient person! Don’t let a mechanical problem cast a shadow over your overall boating experience, by making sure that your policy offers this important protection. While this is not an option that is offered on the most basic boating policies, it is one worth looking into!

If having the peace of mind that comes with knowing you will be covered in the event of a breakdown, it’s time to upgrade your boat insurance! Contact the Mesa, AZ team at INW Insurance Group today and make sure you have the protection that you want before you get out on the water again!

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.