Insurance Discounts for Teachers

INW Insurance Solutions is wishing all educators a Happy Teacher Appreciation Week! If you are a full time or retired teacher, teacher assistant/aide, professor, principal, or are responsible for the education of children and college students, INW Insurance Solutions has wonderful news for you.

There are hundreds of insurance carriers to choose from which can make finding insurance a daunting task. But INW Insurance Solutions looks over nearly a dozen carriers to find our customers the best rates and policies. One of our favorite insurance carriers, CSE Insurance Group rewards active and retired public employees with exclusive lower rates and additional benefits. This includes law enforcement, military personnel, firefighters, government employees, and educators! You can receive discounts of up to 24% when you reach out to INW Insurance Solutions and their agents to review your coverage and compare quotes.

If you know anyone who is a teacher or public employee who is seeking better insurance, refer them to our agency and you will be entered in our annual referral drawing. You’ll be helping them get affordable, quality insurance and you can win $500 next year! That sounds like a win-win to us.

Our team at INW Insurance Solutions celebrates all the hard work educators put in to support their students. Whether in class or remotely, teachers enrich our communities. We look back at memories of our favorite teachers and the positive impact they have had on our lives. As our thank you, we work hard to find you the best prices and policies. Call us today so our agents can review your current coverage and find you amazing discounts.

Save on Renters Insurance with Home Security & Protective Devices

Renting a house or apartment is a flexible, affordable option for many. Despite a large amount of people renting today, many renters are uninsured. Only 37% of renters had insurance, compared to 95% of homeowners who have home insurance. This statistic is a little troubling to your agents at INW Insurance Solutions because we know that renters insurance is meant to protect you and your items. Just because you’re renting your home doesn’t mean you’re safe from your valuable possessions being stolen in a burglary or damaged from severe weather. The other 63% of renters who do not have insurance are going to have to pay more when replacing their stolen or damaged valuables than they would have paid in buying insurance.

When You Need Renters Insurance

Renters insurance may not be required like most homeowners policies are, but they are extremely beneficial to have. Landlords may have insurance for the building, but this will not cover your personal belongings. Without renters insurance you would be responsible to replace your expensive electronics or clothing that have been stolen or damaged.

People may not realize how renters insurance works in a variety of situations to ensure you and your items are covered. It not just limited to protecting your items inside your home. Renters insurance can provide coverage for your items that are lost or damaged elsewhere such as in your car. Renters insurance could also provide coverage for additional living expenses in the event that your home is damaged in a covered loss. If someone is injured in your home or apartment and a lawsuit is thrown your way, renters insurance also offers liability coverage.

How to Save on Your Renters Policy

Renters insurance has a few extra perks, too. Live in a guarded or gated community? Have a fire extinguisher? Not only are these items essential for a safe home, they can end up saving you money, too! Our insurance carrier, Traveler’s, offers discounts for items you may already have installed in your house or apartment. If you have protective devices such as smoke detectors or alarms, interior sprinklers, or home security systems, you can save extra on your renters policy. Call INW Insurance Solutions today so we can go over your coverage and determine if your eligible for these discounts and more! As we review policies, we can also bundle other lines of insurance such as auto or umbrella to save you more on your renters insurance policy.

Keep your home safe with a great renters insurance policy from INW Insurance Solutions and protective devices. You don’t have to own the home you’re living in to have great protection for your possessions. And if your living situation changes or owning a home becomes a better option, INW Insurance Solutions also makes the transition from a renter’s insurance to a homeowner’s policy quick and easy! Call us today or visit our office in Mesa, AZ to discuss possible discounts on your renters insurance policy and more.

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.