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Queen Creek, AZ 85142

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Author: agentinsure

RV Insurance FAQs

Posted on by agentinsure

It’s important to protect your RV with the right insurance policy, but you may have questions. Our trusted advisors at The Insurance Team, in Queen Creek, AZ are here to answer them. 

RV Insurance FAQs

What are the Classes of RV?

There are three basic classes, which are Class A, B, and C. 

Class A is the largest and most luxurious. These can be as small as 20 feet or as long as 75 feet and are often known as luxury motorhomes or luxury RVs. 

Class B RVs are smaller, and typically around 20 feet long. They are more agile than larger RVs. Despite their smaller size, they are typically equipped with everything you need, including a kitchen and shower. 

Class C RVs are a middle ground between Classes A and B. They are typically larger or better appointed than Class Bs, without the bus-style chassis of Class A. 

What Does RV Insurance Cover? 

Similar to auto insurance, RV insurance can include liability and full coverage. Liability covers damage to others’ vehicles or property if there’s an accident. Full coverage covers damage to your RV in the event of an accident. 

RV Insurance can also cover your belongings and specialty equipment. 

Is RV Insurance Required? 

Liability insurance is required for all motor vehicles by Arizona law. 

If you rent or have a lien on your RV, you may also be required to have collision and comprehensive coverage. 

What is Full-Time vs Part-Time RV Living? 

RVs are designed to be lived in, which is why they have many of the amenities you would find in a home. Some people choose to live in their RV part-time. They may spend a weekend in their RV, or reside there while on vacation. 

If you choose to live in your RV full-time, you’ll need full-time RV coverage, which differs from part-time coverage.  

Give Us A Call

If you need RV insurance in the greater Queen Creek, AZ community, contact The Insurance Team. Our friendly agents will speak with you and discuss your coverage options. 

What are Some Perils Motorcycle Insurance Typically Doesn’t Cover?

Posted on by agentinsure

Liability motorcycle insurance is a requirement for Queen Creek, AZ riders, and it’s important to understand that not every circumstance will be a covered peril. The Insurance Team is happy to assist with this vital coverage.

Below are some of the more common scenarios that tend to fall outside most standard policies:

Engaging in risky behavior, such as racing and its resulting injuries, will often result in a rejection of your claims, and the same is true when you are doing stunts or participating in demolition derbies. 

Operating your vehicle under the influence of controlled substances and all narcotics may void your coverage, and alcohol may do so as well, as it is illegal to ride when over a certain limit of intoxication. The Insurance Team would be happy to go over the details of what is and isn’t included in your plan. 

If you are someone who uses your motorcycle to deliver goods for a service charge, this may fall outside the scope of your indemnification. In addition, this can also affect you when involved in an accident while driving passengers for a fee. 

Any wreck, property damage, and medical costs that are incurred while you are involved in illegal activities may be your own financial responsibility, but this usually does not extend to simple violations of traffic laws. 

If you ride your bike in a reckless manner intending to self-harm or wound others, this type of behavior is often in violation of the terms of your insurance contract and will likely not be covered. 

The Insurance Team Works for You

We serve the insurance needs of those living in Queen Creek, AZ, and we can be reached by phone, email, or by stopping at our office. We invite you to make an appointment to speak to us about your specific situation today. 

How to keep your boat safe in a storm

Posted on by agentinsure

The Insurance Team in Queen Creek, AZ is happy to provide boat insurance to our clients who are boat owners. We are also here to offer guidance to better protect your vessel.

It’s no secret that a storm can cause major damage to your boat. In fact, a storm can be so destructive that it can actually sink your boat. That’s why it’s important to take steps to protect your boat from storms. 

Here are five tips for keeping your boat safe during a storm:

1. Make sure your boat is properly anchored

If you don’t anchor your boat properly, it could easily be blown away in the wind.

2. Install storm shutters to protect the boat from high winds

Storm shutters will help keep the wind from damaging the boat or causing it to capsize.

3. Tie down any loose items on the deck

Loose items can become projectiles in a storm and may damage the boat or injure someone on board.

4. Move the boat to a safe location if possible

If you can move your boat to a sheltered area, do so before the storm hits. Some safe places to bring your boat include:

-In a marina or harbor

-Near a breakwater or dock

-In a sheltered cove or bay

-On a lake or river with low winds

5. Keep an eye on the weather forecast and take appropriate precautions

Monitor the weather closely so that you can stay one step ahead of any potential storms.

Get Boat Insurance Today

By taking these steps to protect your boat from storm damage, you can help ensure its safety no matter what the weather brings. With a little bit of preparation and planning, you can enjoy many years on the water without worrying about damage from storms.

If you have any questions about how to keep your boat safe, in smooth seas or stormy waters, give The Insurance Team a call today. We proudly serve the greater Queen Creek, AZ community.

Do you need additional liability protection for your business? Ask us about an umbrella policy today!

Posted on by agentinsure

The Insurance Team is proud to work with the greater Queen Creek, AZ area business community. We are here to help your business stay protected, now and in the future. Schedule a consultation today and learn more about the options that are available to cover businesses in our area.

How an umbrella policy can help protect your business from liability

As a company or business grows and becomes more established and successful, it is typical for its liability risk to also increase. This means that it’s important to take steps to help protect your hard work from losses due to liability. This fact is especially true for any company that is operating in a highly litigious area or industry.

A primary policy will only provide a certain amount of protection before it is maxed out. Once it meets or exceeds the maximum level of coverage, the business or its principals, or both, can often become financially responsible for any excess losses caused by liability.

Lawsuits that award high-level damages have destroyed more than one company! Your business can protect itself from such a fate by adding an umbrella policy to supplement the primary commercial policy. This means that if there is ever a time when the primary policy’s maximum limits are exceeded, the umbrella policy will be activated. This additional coverage can be the difference between success and failure. 

Schedule a consultation today

Queen Creek, AZ area businesses can rely on The Insurance Team for all of their commercial insurance and liability protection needs. Contact our office and schedule a meeting to learn more about how the right insurance portfolio can help protect your local business. We look forward to working with you!

What is flood insurance and what does it cover?

Posted on by agentinsure

In 1954, a major flood hit Queen Creek, AZ, damaging 17,000 acres of crops and causing $1.8 million in damage. Since that time, the town has focused its efforts on flood control and education. Flood insurance comprises one of the essentials of those flood control efforts.

Flood Insurance: The Basics

At The Insurance Team, we offer flood insurance policies that help you protect your home and business. We work with the National Flood Insurance Program (NFIP) to offer a complete collection of flood policy options. You can purchase a policy that covers:

  • Structure only,
  • Contents only,
  • Structure and contents.

This means that you can either choose to insure only the building itself or your personal or business property inside it. A contents and structure policy covers both.

Why might someone want a structure-only policy? A landlord typically covers just the building because the contents belong to their renter. The renters buy their own policies.

The renter typically chooses a contents-only policy. This applies whether the person rents a home, office, or storage center.

Homeowners and vacation homeowners typically choose the structure and contents policies, as do business owners who own the building that houses their business.

You can find out what flood zone your home or business resides in by checking the Federal Emergency Management Agency (FEMA) website.

Which policy type do you need? How much flood insurance do you need?

Let us help you answer that question. Contact The Insurance Team serving Queen Creek, AZ for an appointment today. We’ll consult with you on your flood insurance needs and help you choose a policy that fully addresses your needs.

Don’t Leave Your Family Unprotected

Posted on by agentinsure

Do you ever consider what would happen to your loved ones in the event of your passing? How about leaving a financial gift for those you care about the most? The Queen Creek, AZ professionals at The Insurance Team can help you choose the level of protection that best suits your needs.

The Insurance Team services 38 different states across the country providing lasting peace of mind for their clients and loved ones.

There are several different ways this policy can be used by your loved ones to help with financial responsibilities:

A life insurance policy is designed to compensate your beneficiaries at the time of your passing. As illnesses or accidents and other unexpected events occur all the time, don’t leave your loved ones without financial protection.

Your loved ones can mourn without the burden of funeral expenses that will be due. These expenses can be paid with the insurance policy proceeds.

Are you currently carrying a mortgage on your residence? If so, ensure that you have adequate insurance to cover this amount. You do not want your family to be concerned about the possibility of losing their home.

A life insurance policy can act as a financial safety net for your family, business, or others. It is essential protection you can be sure of as your beneficiaries will receive a tax-free, lump-sum payment that is guaranteed to be paid in full and can be used for childcare, healthcare, tuition, and for the elimination of household debt.

Give Us A Call

Our agents at The Insurance Team in Queen Creek, AZ can tailor a policy to meet your individual needs. If you require additional information, get in touch with us today.

Do I Need to Purchase Auto Insurance If I Don’t Own A Car?

Posted on by agentinsure

If you don’t own a car, you may be wondering if you need to purchase auto insurance. The answer is yes – you still need to be insured, even if you don’t have your own vehicle. There are several reasons why this is the case.

Here are some reasons why:

1. You Rent Cars Often

Most rental companies require that their customers have insurance before they can rent a vehicle. Otherwise, the customer would be responsible for any damages that occur while they are driving the car.

If you don’t have your own auto insurance policy, you can purchase short-term rental car insurance from the rental company, or you can purchase a non-owner liability policy. For either of these options, it’s important to make sure that you are properly covered in case of an accident.

2. You Borrow Car Often

Even if you don’t own a car, there’s a good chance that you borrow other people’s cars from time to time. Maybe you have a friend or family member who lets you use their car when you need it. Or maybe you use a car-sharing service on occasion.

In any case, if you are borrowing someone else’s car, you will need to be insured. Otherwise, the car owner’s insurance would be responsible for any damages that occur while you are driving. The best way to insure yourself in this situation is to purchase a non-owner liability policy from a reputable company like The Insurance Team in Queen Creek, AZ. This type of policy will cover you when you are borrowing someone else’s car.

Give Us A Call

As you can see, even if you don’t own a car, you still need to be insured. There are several reasons why this is the case. If you are ever in doubt, it is always best to err on the side of caution and purchase some form of auto insurance. Contact us today at The Insurance Team in Queen Creek, AZ, for your non-owner auto insurance.

Commercial Insurance FAQs

Posted on by agentinsure

As a business owner, you want to do everything you can to protect your business from all the things that could happen to it. Different types of businesses face different types of perils. You don’t need to protect yourself from things that will never happen to you. But, you need to have enough to protect yourself from the risks your business faces. The Insurance Team in Queen Creek, AZ is here to help you find the right balance of commercial insurance between affordability and necessity. 

Commercial Insurance FAQs

What are the commercial requirements in Arizona? 

The only legally mandated commercial insurance required in Arizona is workers’ compensation. All employees, whether full or part-time, must be covered. 

Does commercial insurance cover flooding?

It depends on what kind of flooding is involved.  If a pipe bursts and floods your business, this should be covered. If a stream, river, or ocean rises and floods your business, then no, it isn’t covered with commercial insurance. If you live in an area prone to flooding, you can purchase a separate flood insurance policy through the NFIP. 

What does commercial property insurance cover?

Commercial property insurance covers the building that houses your business if you own it. But even if you don’t, it covers all of your business property inside the building. Your inventory, tools, office equipment and furniture, displays, machines, electronics, and raw materials. All the things you need to do business. 

Do home-based businesses need commercial insurance?

You should talk to your insurance agent. In most cases, your home insurance will not have enough coverage to protect your business. The liability portion of your home insurance will not cover people who are visiting you for business. Your personal auto insurance won’t cover your vehicle if you use it for business. 

Contact The Insurance Team in Queen Creek, AZ for a no-obligation quote. 

What protection home insurance offers in Queen Creek, AZ

Posted on by agentinsure

So many things can go wrong in your home,  you need to be protected. The Insurance Team in Queen Creek, AZ is your local independent insurance agency. We are dedicated to making sure our customers have a great insurance experience. We work for you to check multiple carriers, so you don’t have to. Let us help you to get the insurance that fits you and your needs.   

What Protection Home Insurance Offers

Home insurance isn’t just one type of insurance, it is four kinds. The traditional coverage is property, liability, content, and loss of use. All of them are important and serve a purpose. 

Property insurance protects the physical structure of your home and any of the built-in appliances. It pays to replace the systems like HAVC, electrical, and plumbing. It also covers attached structures like a porch, deck, or attached garage.  It also covers detached structures like a shed or garage, 

Liability coverage protects you and the members of your family against legal action taken against you. It can pay for medical expenses if someone is injured and also a judgment if they decide to sue you. It can even pay for the legal expenses themselves. 

Content coverage will help replace your personal possessions if they are damaged or destroyed. You have two options. For content coverage, you can get the actual value or replacement cost. That is the difference between depreciated value and what you need to actually buy it at today’s price. 

Loss of use means that if your home is rendered uninhabitable, you will be able to collect from the insurance company for your room at a hotel for the short term and a rental if you are without your home for a longer time. It can also pay for meals if you don’t have a way to cook. 

Contact Us Today

If you need home insurance, call The Insurance Team in Queen Creek, AZ to make an appointment for a no-obligation quote. 

 

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