Hello all, here is another insurance savings tip. Save your deductible by doing some simple home maintaince that we call could be doing on our hot water tanks. We all know the water in AZ is horrible with heavy metals – what that means is not only do the wives complain about how it fees on their skin it also means death to appliances and your hot water tank. Prevent future problems, save … [Read more...]
Kids Water Saftey – Can Save You On Homeowners Insurance
Here’s another tip that has been drilled into you by TV and radio in AZ but I bet your insurance guy never told you how this impacts your wallet. Another insurance savings tip. Save your deductible – By Watching Kids Around Water / Pools. If you have a pool + kids + friend = potential trouble. Check to see what your liability limits are on your policy. Even better question is why don’t … [Read more...]
Monsoon 2010 and Home Insurance
With today the first day of summer and all the TV news stations in the valley broad casting their annual Monsoon Do’s and Don’ts for the season I thought I might shoot a quick reminder to all our homeowners about insurance this time of year. As a home owner there are a couple simple things you can do to help prevent a claim and also help prevent the cost of incurring your deductible on your … [Read more...]
Arizona Homeowners Insurance: What You Need To Know
The number one misunderstood insurance term, hazard insurance, is a term most mortgage lenders use but not insurance agents. For this reason alone most customers don’t understand what hazard insurance is or what to expect for it. The most common term is home or homeowners insurance. Hazard insurance is a term that banks use to make sure that there home is protected against perils that could … [Read more...]
Insurance Premium and Credit Scores, Yes They are Connected
If you are not aware by now, virtually everything is now tied to your credit score. By having computers slice and dice massive amounts of data, companies can discover patterns that help them save money. Most often, these systems use multivariate analysis – a way of looking at how inputs affect an output. Insurance companies have been on this bandwagon for a while. They look at credit related … [Read more...]
Homeowners Insurance: Replacement Cost Check Up
Homeowners Insurance: Replacement Cost Check Up In general the consumer today is all about saving a buck! Lately I have taken a few calls regarding home insurance premiums going up because of the replacement cost increasing on the dwelling coverage part of the policy. Home Replacement Cost Estimators The following list of “calculators” was compiled to aid homeowners’ discussion about … [Read more...]
Why Have an Insurance Agent?
Why have a personal insurance agent? Today’s life is more complicated and the insurance market is going to the internet! Is the internet the place to be shopping for personal insurance? For something as Individual as personal insurance, there are real benefits to working with a personal agent who can match your coverage with your changing life. And you don’t have to surf the Net for hours, … [Read more...]
Why Older Cars Can Pay Higer Premiums
If you have not talked to your agent in a while about your auto insurance chances are you may not be in the loop on some industry upgrades that the auto insurance industry has taken in the last 2-years. The old-old-old way that we all understood the base for auto insurance was the older my car the less expensive my coverage the newer the car the more expensive. Maybe all I needed was year make … [Read more...]
Open House: The Criminal Element in Desperate Times
Open House: The Criminal Element in Desperate Times Realtors hosting an open house on a clients property on any given weekend could lead to a burglary. Believe it or not the potential buyers walking through the house can create an opportunity for a future crime scene. While walking through and casing the property the criminal will crack a window open or even unlock an exterior door. They … [Read more...]