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Is It Time To Renew Your Auto Coverage? How and Why to Review Your Policy

Posted on by agentinsure

Your auto insurance policy renews annually. If you’re not reviewing your auto insurance policy every time you renew, you could be missing out on important opportunities to save money or upgrade your coverage.

The professionals at The Insurance Team, servicing Queen Creek, AZ, can help. We provide assistance to car owners who want to review their auto coverage every year. To learn more about how you can review your auto coverage, read the article below. If you’re ready to get started reviewing your policy, call our insurance agency today.

The Importance of Reviewing Your Auto Insurance Policy

Reviewing your auto insurance policy gives you an opportunity to:

  • Ensure that your coverage is adequate for the vehicle you’re driving
  • Explore other policies to identify possible savings
  • Ensure that your policy is appropriate for your driving habits

When Should You Review Your Auto Insurance Policy?

Review your auto policy once annually, at a time that’s convenient for you. Many people choose to review their auto policy just before their renewal. You can also pick a time of year, like around New Year’s or when you have room in your schedule.

How to Review Your Auto Insurance Policy

To review your auto insurance policy, call your agent at The Insurance Team, servicing Queen Creek, AZ. We can walk you through your policy to discuss coverage amounts and whether your coverage amount is right for your needs. We can also look up quotes from other policies to explore other options if you’re trying to save money on insurance premiums.

Want to know more about reviewing your car insurance? Call The Insurance Team today to get started.

Why Commercial Property Insurance Is Essential for Remote Businesses

Posted on by agentinsure

In the era of digitalization, remote businesses are flourishing more than ever. We at The Insurance Team in Queen Creek, AZ, comprehend the unique challenges associated with these businesses and highlight the need for commercial property insurance for their seamless operation.

Asset Protection

Even remote businesses require valuable equipment and supplies critical to their operation, including laptops, servers, and other tech devices. Commercial property insurance safeguards these items against risks, such as theft, fire, or damage, ensuring uninterrupted business functioning. Without this coverage, replacing essential equipment could impose substantial financial pressure.

Workspace Safety

Numerous remote businesses leverage co-working spaces or compact offices. Commercial property insurance also extends to these workspaces, covering any physical assets. This protection is crucial for maintaining undisturbed business operations and assures clients and partners of your business’s stability and reliability.

Mitigating Financial Risks

Natural calamities and accidents can strike anywhere, and remote businesses are no exception. If your equipment is damaged, the financial impact could be significant. Commercial property insurance alleviates these risks by covering repair or replacement costs, allowing you to focus on sustaining productivity. By investing in insurance, you’re also investing in the longevity of your business.

Find the Right Commercial Insurance in Arizona

The right insurance policy provides peace of mind, assuring that your business is protected against potential setbacks. This security lets you concentrate on growth and innovation rather than worrying about unanticipated losses.

For tailored advice and to explore commercial property insurance options for your remote business, contact The Insurance Team in Queen Creek, AZ. We’re here to assist you in safeguarding your business assets and ensuring continued success.

Can Classic Car Insurance Cover a Whole Collection?

Posted on by agentinsure

A primary concern for individuals passionate about collecting classic and exotic cars might be whether a single insurance policy can cover all their vehicles. At The Insurance Team in Queen Creek, AZ, we’re here to help resolve this question, ensuring you understand what coverage best suits your needs. Although every classic car insurance policy differs, general guidelines may shed light on whether you’ll need to obtain more than one insurance policy for all your classic cars or whether a single policy can adequately cover all your classic vehicles.

Can Classic Car Insurance Cover a Whole Collection?

Depending on your classic car insurance policy type, including numerous cars on the same policy may be possible. A classic car multi-policy could ideally cover more than one classic car; however, limits may exist on the number of vehicles you can add to the policy and the level of coverage you’ll receive from a single multi-policy. In most instances, consulting with a qualified insurance agent is advisable to determine the ideal coverage amount and policies for your specific situation.

Suppose you own two vehicles, one being a classic car and the other not. In that case, you’ll need to insure the classic car with a classic car insurance policy and use standard car insurance to protect the vehicle you drive every day. If you typically commute in your classic car, classic car insurance remains the optimal solution.

To explore your coverage options, contact our team at The Insurance Team in Queen Creek, AZ, today!

RV Extended Warranties Offer Peace of Mind on the Road

Posted on by agentinsure

A new RV typically comes with a manufacturer’s warranty covering specific issues for a set period. These policies generally cover defects in artistry and materials. Once the warranty expires, the owners are responsible for repair expenses. However, an extended warranty can offer longer coverage. Our team at The Insurance Team in Queen Creek, AZ, explains how owners benefit from RV extended warranties.

What Are Extended RV Warranties, and What Do They Cover?

An extended warranty is one bought separately from the vehicle and extends your coverage beyond the original one. Typically, they are between three and five years old. The terms will depend on your provider, but most cover repair and maintenance costs related to:

  • Electrical and mechanical components include on-board generators, the engine, transmission, and water lines.
  • Appliances, such as the stove, refrigerator, and microwave.
  • Tires and wheels, plumbing and heating systems.
  • Air conditioning and heating
  • Suspension and brakes
  • Slideouts
  • Wiring
  • Leveling systems

RV Extended Coverage Increases Peace of Mind

Imagine being on the road for a family adventure and having unexpected system breakdowns or malfunctions. This can put an end to your travels and leave you stranded far away from home or temporary accommodations. With an extended warranty in place, repairs can start sooner and get you back on the road.

Another advantage of RV extended warranties is that they may protect your RV’s value. Depreciation reduces its worth, and surprise repairs can further lower it. Your extended coverage can cover the costs to retain its worth, giving you greater peace of mind.

Consider an Extended Warranty and RV Insurance

While RV insurance is required before it’s paid off or you start driving it, an extended warranty is an option and a great security blanket. When you contact our agents at The Insurance Team in Queen Creek, AZ, about a policy, we can also help you find supplemental policy options.

A Portrait of the Average Motorcycle Accident

Posted on by agentinsure

At The Insurance Team, we want Queen Creek, AZ residents to remain safe and secure while enjoying their motorcycles. Although every motorcycle accident differs, many share some of the same elements. In this blog, we’ll consider the number of accidents that occur each year and the average damage caused by a single motorcycle accident.

Motorcycle Accidents Prove Serious

According to Forbes, motorbike accidents result in fatalities more often than other accident types – 28 times more likely. Individuals on a motorcycle incur injuries four times as often as those involved in other types of accidents.

Wearing a Helmet Helps Save Lives

Helmet use by motorcycle riders has increased by two percent to 67% since 2021, according to the Insurance Information Institute. However, that’s down from 2000, when 71% of motorbike riders wore a helmet. A little more than half, 52%, of motorcycle passengers wear a helmet.

Unlicensed Bikers Cause Accidents

More than one-third of motorcycle accidents involve an unlicensed cyclist. About 36% of motorcycle accidents each year involved a cyclist who had not obtained a license to ride a motorcycle or had lost their valid license. Every state in the U.S. requires a motorcycle endorsement on a standard driver’s license before an individual can ride legally.

How Weather Affects Accidents

Few motorcycle accidents occur during precipitation because rain or snow makes for terrible riding conditions. This is different from automobiles, which frequently wreck during precipitation events. Less than 2 percent of motorbike accidents occur during precipitation events.

Summer Means Bike Wrecks

August and its fabulous weather pose the greatest danger to motorcyclists, with 12% of fatal bike accidents occurring during the month. Conversely, January is the safest month, with only 3% of motorcycle accidents occurring during that month.

Situations to Avoid Related to Motorcycles

You can increase your safety on a motorcycle by following a few common-sense safety tips.

Always Wear a Helmet

Always ride wearing a helmet, whether you’re the rider or the passenger. In 2021, the most recent year with full statistics, 2,251 people died in the U.S. in motorcycle accidents because they did not wear a motorcycle helmet. Helmets protect against head injuries.

Avoid Speeding

Drive the speed limit or less than that, depending on road and weather conditions. More than a third of motorbike accidents involved speeding – 34%. Speeding decreases rider control of the bike and increases stopping distance.

Don’t Drink and Ride

Nearly one-third of accident deaths involved a rider who had recently consumed alcohol. Single-vehicle accidents account for 41% of alcohol-impaired motorbike wrecks. Don’t drink and ride, and don’t accept a ride from someone who has been drinking.

Avoid Night Rides

At night, motorcyclists triple their chances of an accident. Drunk driving more often occurs at night, with 40% of alcohol-impaired accidents happening during the evening. The weekends prove the worst, with 24% of fatal motorcycle accidents occurring from 6 to 9 pm. The weekday commute hours of 3 to 6 pm account for 26% of motorcycle fatalities.

Contact Us Today

Contact The Insurance Team today to review your motorcycle insurance and ensure that you can properly protect your financial security through a policy. Accidents happen everywhere, not just in Queen Creek, AZ. Remain prepared and take precautions to prevent accidents.

Anchoring Your Coverage: Essential Insights into Boat Insurance for Queen Creek, AZ Resident

Posted on by agentinsure

Queen Creek, AZ, boat owners who entrust these investments to The Insurance Team can find out everything they need to know before policy selection takes place. By taking the time to check out these essential insights, you are able to make a more informed decision and find the boat insurance policy that works best for you.

State Requirements Are Not Ironclad

Yes, it is true that the state of Arizona does not require boat owners to purchase an insurance policy. This is where we gently remind readers that this does not mean what they think it does. If the law does not require boat insurance, guess what this means? The waters will be filled with boaters who have not obtained insurance policies. This is something to safeguard yourself against.

Seasonal Discounts Should Be Embraced

Most Arizona boat owners are not going to be using their boats on a year-round basis. When you meet with experienced insurance brokers, be honest about the times when the boat will be used, and, more importantly, remain truthful about the seasons it will sit idle. The insurance policy you select should reflect the actual amount of time you will be spending on the boat.

The Year + Model Play a Key Role.

The year and the model of the boat in question will play a major role in the insurance policy you decide upon. The same goes for your driving record. If you have been involved in boat accidents in the past, this is a sure sign that you can expect to spend more on your policy.

The Insurance Team has the experience and know-how to help boat owners separate fact from fiction. That’s why we are an invaluable resource during the insurance policy selection process. Queen Creek, AZ residents are urged to contact us as soon as possible so that we can answer any and all questions you may have.

Why Does Personal Umbrella Coverage Become More Important as You Age?

Posted on by agentinsure

The agents at The Insurance Team offer more than insurance policies to Queen Creek, AZ residents. We provide savvy financial information that helps our customers protect their financial security. As experienced insurance agents, we know the importance of updating insurance coverage as you age and adding umbrella insurance policies that can help protect your net worth.

An Umbrella of Protection

Our insurance agents recommend umbrella coverage to those 50 or older who frequently entertain at home, volunteer to coach sports, or volunteer in scouting groups. These types of activities increase liability risk. If an accident occurs and the injured party sues without umbrella coverage, a person could wipe out their savings and retirement accounts by paying off a settlement.

What That Means to Someone 50+ Years Old

If such a scenario occurred in the at-fault party’s 20s or 30s, they would have decades to rebuild their savings and retirement accounts. In the U.S., the typical retirement age ranges between 65 and 71. If found at fault for an accident after age 50, a person would have about 15 to 20 years to replenish their retirement accounts and savings.

Existing Liability Coverage

If you cause an accident with your vehicle, your auto liability covers it – up to the policy maximum. Home and condo policies include a small liability component, too. These typically cap at about $5,000 to $15,000. The average payout for a premises liability case stands at about $90,000, leaving a hefty out-of-pocket sum.

Buy Umbrella Coverage

Umbrella coverage costs just a few dollars a month for a million-dollar policy. Don’t take chances with your retirement funds! Contact The Insurance Team today to buy an umbrella policy to protect your financial stability. If found at fault for an accident, your primary policy, typically home or auto, pays out its maximum first. Your umbrella policy automatically kicks in once the primary policy pays out, saving your savings for you.

Why Everyone Needs Flood Insurance

Posted on by agentinsure

If you’re a homeowner, you probably have home insurance and rely on it to protect your home and yourself. However, your home insurance doesn’t protect against everything. You may need other insurance policies, one of which is flood insurance. If you don’t have home and flood insurance, it’s time to get it. Give us a call at The Insurance Team in Queen Creek, AZ. 

Flood Insurance Benefits

If you have home insurance, it excludes floods from the coverage. That means the policy won’t pay if a flood damages your home. When you don’t have flood insurance, all of the repairs or rebuilding will have to be paid for by you. When you have flood insurance, it can pay for repairs that would otherwise be extremely expensive for you. When you have this policy, you also get peace of mind from knowing that you’re covered just in case a flooding disaster should happen. 

The National Flood Insurance Program

When you get this insurance, it’s backed by this government program. That means that it’s guaranteed and will have plenty of funding. For some people, flood insurance doesn’t seem important. This is especially true when they don’t live in a flood zone. The problem is that one in every five flood claims comes from areas not inside flood zones. That makes it important always to have this insurance because flooding can strike just about anywhere. Whether you’re in a flood zone or not, this is one of the essential insurance policies that you should have to protect yourself financially. 

Get Flood Insurance 

Every homeowner needs this insurance in case of flooding. If you don’t have your policy yet, call us at The Insurance Team in Queen Creek, AZ, to get started. 

Life Insurance for Today, Tomorrow, and Years to Come

Posted on by agentinsure

Life insurance is all about what you give, and when it comes to giving a gift that continues to give, life insurance can be exactly that – and so much more. That is also one of the many reasons why people around Queen Creek, AZ choose The Insurance Team for all their life insurance needs.

Life insurance offers more than a few benefits and is one of the most considerate gifts we can give those we love. For everything from helping cover end-of-life expenses to helping your loved one transition to life without you, life insurance is a gift for today, tomorrow, and years to come.

The Benefits of Life Insurance

Imagine that your spouse, children, or furry four-legged best friend has to figure out how to live tomorrow without you. That isn’t only a heart issue (and it is that, too); it is also about paying the bills, taking care of the living expenses, and everything else. With the right life insurance policy, your income can be supplemented to help those figure out how to continue without you.

Figuring out what you need life insurance for and who you need it for is also part of what we do at The Insurance Team. From income replacement to inheritance or end-of-life expenses, there are many benefits that the right life insurance plan can offer. And for the here and now, life insurance offers the peace of mind of knowing that the people you care about and love will be taken care of if something happens to you.

If you live in the Queen Creek, AZ, area and need life insurance or have questions, we can help. Contact us to learn more and let our friendly and professional agents at The Insurance Team help with all your life insurance needs.

Will auto liability insurance cover the damage my car sustained from a wreck?

Posted on by agentinsure

Liability insurance has many benefits for drivers. If you’re found at fault in an auto accident, liability coverage will pay for any damage to the other driver’s car, as well as any injuries they may sustain. Liability coverage also covers damage to other people’s property if you’re at fault. Legal protection is usually a part of liability protection as well. The Insurance Team is committed to helping our Queen Creek, AZ drivers understand auto insurance and the coverage it provides.

What is auto liability insurance?

Liability insurance provides both legal and financial protection. However, this form of insurance doesn’t directly compensate the driver at fault. Instead, this form of protection pays for any damage or injuries you as a driver may cause to other peoples people’s property and vehicles. It also pays for other people’s injuries as well. However, any damage your car may sustain wouldn’t be covered by liability insurance. Also, your injuries and property damage wouldn’t be covered either. Liability coverage strictly compensates and repairs the other driver’s car and property if you’re found at fault for an accident. It can also replace a car if you damage someone else’s car beyond repair. 

Will auto liability insurance cover the damage my car sustained from a wreck?

No.  Liability coverage will only apply to other people’s injuries, property damage, and damaged vehicles, not yours. If your car is damaged and you lack collision or comprehensive auto insurance coverage, your car will not be covered. Liability insurance is required by state law but only covers the repair of other people’s cars and property if you’re found at fault for an accident.

Reach Out To Us

If you have questions about what’s covered by an auto insurance policy, call us at The Insurance Team in Queen Creek, AZ. We’d be happy to answer your questions and help you explore your options. 

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