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.

Why Wedding Insurance is Worth It

Don’t let it rain on your wedding day. You’ve gotten all the details down from finding the perfect venue to say your vows to the dress of your dreams— but what about the things beyond your control? Even the most meticulous planning cannot prevent the groom from getting a cold, unreliable wedding vendors, extreme weather, or other accidents that force your wedding to be cancelled or postponed. This is why INW Insurance Solutions offers wedding and event insurance across 7 different states and locally here in Arizona including Mesa, Chandler, Gilbert, Queen Creek, and San Tan Valley.

Getting married is expensive. In 2019, the average cost of a wedding was $33,900. Wedding and event insurance from INW Insurance Solutions can help prevent you from being left at the altar with poor coverage that results in you losing hundreds or thousands of dollars. Our insurance experts can find comprehensive coverage that fits within your wedding budget.

For your wedding, you will have to consider a variety of factors. Are you getting married in your home’s backyard? Or out of state? Will there be alcohol served? Are loved ones helping pay for the wedding? Finding wedding insurance on your own can be an additional stressful and tiring step to add to your wedding planning. But we do the work for you. With our agent’s skills and care, we have found our customers discounts when they get both event liability insurance and event cancellation insurance.

Our agents shop nearly a dozen carriers because peace of mind on one of the most important days of your life is priceless. After all the time and dedication put into making your celebration perfect, it is important to prepare for the unexpected.

INW Insurance Solutions can do more than protect your home and cars. With wedding and event insurance, we can help protect your financial investments and commitments for special moments. Call our agents today to start discussing your event and discover the possible coverages that can protect your wedding against many unfortunate scenarios.

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.

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 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.

Benefits of Umbrella Insurance

Umbrella insurance or excess liability insurance is meant to protect you from almost everything that your standard insurance policy doesn’t. Being a liability policy, it’s intended to compensate third-party liability claims, including injuries and damages for which you are responsible for. This policy doesn’t work alone; it comes in after you’ve exhausted your standard insurance policy. There is a limit to what your auto, home, and other standard insurance policies can do.
Severe accidents and large lawsuits could render you or your business bankrupt. At INW Insurance Group, we offer a wide variety of umbrella insurance coverage options to the residents of Mesa, AZ, and its environs. Some of the benefits of umbrella insurance include:
Extra Protection
It offers additional liability coverage including bodily injury and property damage that your typical insurance can’t reach. It also covers losses such as slander, false arrests, malicious prosecutions, etc.
Extra Coverage
Standard insurance policies often have exclusions. For instance, your auto insurance may not cover you if you cause an accident in another country. Umbrella insurance will help you in such situations.
Financial Security
Every day, there are several lawsuits filed against ordinary people and businesses. Severe accidents and large lawsuits may end in a huge financial settlement that may render you or your business bankrupt. Umbrella insurance makes sure this doesn’t happen.
Peace of Mind
Just like any other insurance, umbrella insurance offers you tranquility knowing you are protected from any lawsuits no matter how large they may be.
Talk to a local and knowledgeable agent at INW Insurance Group to help you understand what works for you or your business. We strive to ensure that the residents of Mesa, AZ and the surrounding areas have enough protection against any liability claims. Contact us today for more information.

What Happens If I Drive Without Insurance?

Have you ever wondered what would happen if you just stopped paying for auto insurance and drove without it? If you drive in Arizona you have to have car insurance otherwise you can be denied registration for your vehicle. Over 37,000 people die in car crashes every year in the U.S., 2.3 million are injured or disabled and these crashes cost the country over 230 billion annually. Insurance is meant to protect drivers and their property from these risks.

You Will Get a Ticket

If you’re caught driving without auto insurance, you’re going to get a ticket.  If highway patrol pulls you over for speeding or any other offense, or you get into an accident, on top of any other fines you incur, you’ll also be fined for driving without insurance.  In Arizona, the fine for being uninsured is anywhere from $500-1000.

Your License Could be Suspended

If you’re caught driving without insurance, your license can be suspended until you are able to provide proof of insurance and you’ll have to pay to have it reinstated. You could have your license permanently taken away if you have multiple suspensions.  To make matters worse, when you do decide to get insurance, you’ll have to pay a higher rate for having a lapse in coverage.

Your Car Could be Towed

If you’re caught driving without insurance by the police, they could prevent you from continuing to drive by having your car towed.  Then, you won’t be able to get your vehicle out of the impound lot until you provide proof of insurance.  Everyday it’s on the lot, you’ll also incur impound fees and some lots will even send vehicles to auction within a few days.

If you have insurance but don’t have the card with you or the card is expired but your policy is current, the officer may only give you a ticket and not tow your vehicle.  You won’t even have to pay for the ticket though if you bring your proof of insurance to the court house.  You have to have an insurance policy that was current at the time the ticket was issued.

You May be Financially Responsible

If you get in a wreck and are found to be at fault, but don’t have car insurance, you’ll most likely be financially responsible for the other driver’s repair bills and medical expenses.  If you are unable to pay, the other driver could sue you, which also means lawyer fees on top of all the other expenses from the crash.

You can’t Run From the Law

In Arizona, the police run random tests to see if registered vehicles are insured, and if they aren’t, the police will suspend the owner’s license.  Arizona utilizes active monitoring and has a database to reference for information concerning registered vehicles with and without insurance coverage.

SR-22

After the DMV electronically finds out that you haven’t had insurance for a certain period of time, after your license and/or registration gets suspended, when you do get insurance, you will be required by the state to get an SR-22 on your auto insurance.  An SR-22 is something that hooks onto your insurance policy that electronically tells the DMV every month that you are still maintaining insurance, if you let your insurance cancel they will fast track your license and/or registration getting suspended again.  Typically, you are required to have an SR-22 for 3 years.

Big Rate Increase When You Get a New Policy

Whenever you have a lapse in coverage and you go to get a new policy, you will have a “surcharge” of about 30% due to not maintaining a policy.  Some companies do offer a grace period of a lapse of 30 days or less, but most don’t.

Insure Your Vehicle

It’s better to simply insure your car and keep coverage on it without any lapses between policies, even if it’s a few days.  You’ll avoid run-ins with the law, large fines, license suspension, impounds, huge financial burdens and so many other headaches that aren’t worth it.  Trying to save money by not paying for insurance is never worth it and is definitely illegal.  Talk to an agent today about getting your automobile the coverage it needs.

I am Borrowing my Friend’s Car, Am I Covered?

Most people have an idea of what’s covered and not covered under their various insurance policies. But here at INW Insurance Group, we get a lot of questions about borrowing or loaning a car. Now that the weather is warming up here in Mesa, AZ, you might be looking to borrow your neighbor’s truck for a home-improvement project or a trip to the local landfill, we thought it was a great time to provide a little more information. Generally, auto insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it’s covered even if someone other than the owner is driving it — as long as they have the owner’s permission.

It’s important to note that there are some exceptions to what is called “permissive use” coverage. Permission must be given by the owner, unless the borrower has a reasonable belief that they can use the car. However, the borrower cannot give permission to someone else.  If your teenager allows one of his or her friends to drive your car around Mesa, your coverage likely won’t apply. Coverage might also be denied if the borrower operates the vehicle in a negligent or criminal manner. If the borrower is using your car for business purposes, your personal auto policy likely won’t cover that either. If you have a regular long-term arrangement to either borrow or lend a car, the borrower should probably be added to the owner’s personal auto policy. Those who don’t own a car, but often borrow one, might also consider “named non-owner coverage,” an endorsement that provides bodily injury and property damage liability, uninsured motorists coverage and more.

Ultimately, it’s usually safe to loan your friend your car for occasional errands or projects. And the same goes for borrowing a car. Just make sure it’s for “normal” use. You’ll want to confirm that the car has coverage and that your car insurance, whether you’re the owner or borrower, will apply. Feel free to give INW Insurance Group a call if you have any questions — after all, you don’t want to wait until after an accident to get answers!

 

 

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.

How Umbrella Insurance Supercharges Your Vehicle

You might think the only way to supercharge your vehicle is to amp up the engine and “trick out” the rest of vehicle. However, you might be surprised to realize the true way to supercharge your vehicle in Meza, AZ. To truly make your ride an extreme vehicle, you should actually amp up your insurance policy.
Get Umbrella Insurance
You might have a temporary lapse in judgment when driving that results in an accident. Your insurance might cover the cost of your injuries as well as the price of your repair bills. The policy might even allot you money to rent a car. You do have insurance in the event another driver gets hurt, but with the high cost of medical expenses nowadays, your policy limits might not cover all of the bodily harm caused to the other person. Not to mention, if the person wants money to cover the cost of pain and suffering along with the expense of the time he or she has to be off work, you could easily find yourself seeing hundreds of thousands of dollars worth of a lawsuit. Typically, a standard policy doesn’t have these types of limitations.
You can supercharge your car by having an insurance policy that protects your assets. Keep in mind, if you end up having to pay expenses out of your own pocket, it could harm your ability to pay for your current car. You definitely aren’t getting the most of your vehicle, no matter how nice it looks, if you’re not able to cover all of the expenses of it due to a pending lawsuit.
To get a quote for an umbrella insurance policy, contact INW Insurance Group, serving Meza, AZ and the surrounding area, by calling 480-626-0797.