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Queen Creek, AZ 85142

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Four things that your boat insurance policy can do for you

Posted on by agentinsure

It’s important for boat owners in Queen Creek, AZ to realize how useful boat insurance coverage can be. At The Insurance Team, we’re here to inform you about your boat insurance options. 

The following are four things that your boat insurance policy can do for you:

Protect the value of your boat

Boat insurance safeguards your vessel’s value by covering repair or replacement costs in case of accidents, theft, or damage. With this protection, you can enjoy your time on the water knowing that your investment is secure and its worth is preserved.

Pay for medical costs that are caused by a boating accident

Boat insurance can not only protect your watercraft but also cover medical expenses in case of boating accidents if you add medical payment coverage to your policy.

From minor injuries to more serious incidents, this coverage ensures that you, your passengers, and other boaters receive necessary medical care without having to worry about the costs.

Provide emergency assistance when you’re boating

Boat insurance policies can include emergency assistance coverage. With this type of coverage, you can have the costs of having your vehicle towed or serviced in the water paid for. 

Allow you to use marinas

Boat insurance opens the door to marina access, as many marinas mandate coverage for docking privileges. Make sure that you’re familiar with the insurance requirements of any marinas you plan to dock your boat in. 

Consult With Us

Boat owners in Queen Creek, AZ can rely on us for insurance coverage that allows them to navigate the waves with confidence. Set sail with peace of mind—get a quote from us at The Insurance Team and keep your maritime dreams afloat!

What Kinds of Policies Pair with Umbrella Insurance?

Posted on by agentinsure

For current and future clients of The Insurance Team in Queen Creek, AZ, we always make sure to provide the right amount of coverage to protect the most valuable aspects of your life. Sometimes, an insurance policy may not provide the amount of coverage that will give you peace of mind. In those situations, you may be able to add an umbrella insurance policy on top of your existing policy.

When you pair an existing policy with umbrella insurance, you take a step toward protecting yourself from the absolute worst-case scenarios financially. As we say in the insurance business, it’s best to have the amount of coverage you need yesterday. Waiting until an emergency strikes to increase your coverage could cost you thousands of dollars. Additionally, it can cause some unnecessary heartache.

What types of policies pair with umbrella insurance?

To obtain umbrella insurance, you’ll need an existing policy to go “under” the “umbrella” of the umbrella insurance policy. If you’ve never obtained umbrella insurance before, you may wonder what it even is. In short, umbrella insurance acts as an extension of your current policy. When you meet the limit of your current policy, umbrella insurance might be able to kick in to cover certain expenses that extend beyond that limit.

Umbrella insurance pairs with a range of policies. Homeowners insurance, auto insurance, and watercraft insurance are usually able to go under an umbrella insurance policy. If you’re not sure whether your current insurance policy would work with an umbrella insurance one, we’re happy to help you determine the best way to maximize the amount of coverage available to you.

To discover how umbrella insurance can help protect your home and other assets, call The Insurance Team in Queen Creek, AZ today!

Why You Need Flood Insurance

Posted on by agentinsure

When you own a home, there are many ways that you need to protect it. One of the ways you can protect your home is to have a flood insurance policy. It’s important to have this policy for many reasons. If you own a home and don’t have this type of insurance policy, it’s time to get one. When you want to know more about these policies, give us a call at The Insurance Team in Queen Creek, AZ.

The National Flood Insurance Program

This program is run by the U.S. government. It gives people access to flood insurance as well as backing and guaranteeing it. Because this insurance is government-backed, it won’t go out of business. It will be available to you for as long as you keep the policy.

It’s recommended to never go without this coverage, even if you don’t think you live in an area that floods. Among all of the flood claims that come in, about 20% of them come from areas outside of flood zones. They aren’t zoned for flooding, but flooding can still happen there. 

Home Insurance and Floods

One of the most common reasons that people have for not getting flood insurance is that they believe their home insurance will cover it. Why get another policy when you have home insurance? However, home insurance doesn’t include flooding. When there is flooding, you can’t get payment for any of the damage from your home insurance.

Without flood insurance, you would be responsible for paying for all the damage the flooding does. Floods are extremely destructive and often come with huge clean-up and repair costs. 

Get Flood Insurance 

If you don’t have a flood policy yet, it’s time to give us a call. Contact us at The Insurance Team in Queen Creek, AZ to learn more. 

Will Flood Insurance Replace My House in Severe Flooding?

Posted on by agentinsure

As residents of Sumner, WA, we understand that the prospect of flood damage can be daunting. It’s vital to have flood insurance to protect your home and personal property from flood damage, even in areas that are not prone to it. However, a common question we get at Insurance Alliance LLC is whether flood insurance covers the replacement cost of a house in severe flooding.

Here’s what you need to understand:

The Limitations of Standard Homeowners Insurance

It’s a common misconception that standard homeowner’s insurance policies cover flood damage. However, this is not true. These policies do not cover damage from floods, so purchasing flood insurance separately is essential.

What Does Flood Insurance Cover?

Flood insurance is designed to help cover the cost of repairs or replacement of your home and personal property in the event of flood damage. However, it’s important to note that the coverage you receive will depend on the policy and your coverage type.

Coverage Options for Flood Insurance

Sumner residents have two options for flood insurance coverage:

  1. Standard Flood Insurance: This type of policy covers repairing or replacing a house and personal belongings damaged by floodwaters.
  2. Excess Flood Insurance: This policy type provides additional coverage on top of the standard policy limits. It can be particularly beneficial in catastrophic situations like severe flooding.

Does Flood Insurance Cover the Replacement Cost of My Sumner, WA House?

It depends on the policy. Standard flood insurance policies provide coverage up to a specific limit. If your house exceeds this limit and is declared a total loss, it may not provide enough coverage to replace your home entirely. In this case, excess flood insurance could provide additional coverage for rebuilding or returning your home.

Reach Out To Us

Insurance Alliance LLC can help you understand your flood insurance coverage options. Feel free to contact us today to discuss your unique needs.

Should I have more life insurance than I receive through my job?

Posted on by agentinsure

Employees can often acquire life insurance through their employee benefits plan when beginning a new job and during open enrollment periods, but is the coverage received through work enough to meet their family’s needs? The answer depends on several factors, and The Insurance Team serving Queen Creek, AZ, will be happy to review them with you.

Life Insurance Through Work

Organizations often subsidize employee life insurance coverage as part of their benefits plans, and the plans have advantages:

Cost:

Generally, some coverage is free, and employees can buy more.

Guaranteed:

Employees are eligible regardless of medical history.

Convenient:

Acquiring this insurance takes little effort.

While these are good reasons to accept or supplement work-related life insurance, job-related life insurance often falls short.

Limited Coverage:

Policies often provide less than the recommended coverage. For example, the State of Arizona offers employees only $15,000 in life insurance and allows supplemental coverage up to three times their annual salary. Both fall well below a typical family’s needs.

Tied to Job:

A job change often means a loss of coverage.

Spouses:

Spouses are seldom eligible for coverage.

While accepting free coverage through work makes sense, the amount of insurance you need depends on your age, family makeup, job mobility, medical history, and financial resources. When considering those factors, most people need more life insurance than they receive through their jobs.

Working with The Insurance Team

If you are in Queen Creek, AZ, The Insurance Team can determine a life insurance plan to fit your needs. So call or stop in for a quote today, so you can get back to living life knowing your family is adequately protected.

Why does someone in Arizona need auto insurance?

Posted on by agentinsure

Owning a vehicle is quite common for those that reside in the greater Queen Creek, AZ region. When you are looking to purchase any type of car here, it would be a great idea to also get the right insurance for it. There are a lot of reasons why someone in this part of Arizona will need to have an auto insurance policy in place at all times.

Meet Insurance Requirements

A common reason for anyone in this part of Arizona to get an auto insurance plan is so they can meet all of their insurance requirements. Having auto coverage is necessary if you intend to drive a car on a public road. Further, if you have taken out any type of loan, you are obligated to carry insurance until the debt has been repaid. When you have a proper auto insurance policy, it can keep you in good standing with all such requirements. 

Financial Protection

Having an auto insurance plan is also a great option as you can receive helpful financial protection. A standard auto insurance plan today can offer you liability coverage, which is helpful if you are found responsible for an accident. Further, you can receive the coverage necessary to repair or replace the vehicle if you incur a loss. 

Reach Out To Us

If you are looking to buy a car in Queen Creek, AZ, you need to make sure that you are also getting the right insurance. When you are ready to start looking for auto coverage, calling our professionals with The Insurance Team can be a great idea. Our professionals with The Insurance Team know the value of this coverage and can ensure that you have all the questions answered. This guidance will help ensure your vehicle is properly covered at all times. 

How much commercial insurance do I need?

Posted on by agentinsure

When you own a business, having the right commercial insurance is essential. But how do you know how much coverage you need? It’s important to understand the different types of insurance available and what each covers to decide on the level of protection your business needs. The Insurance Team explains commercial insurance options in Queen Creek, AZ.

Commercial Coverage Options

Property Insurance

Property insurance protects the physical assets of your business from damage or destruction due to natural disasters, theft, vandalism, or other unexpected events. This type of coverage typically includes buildings, equipment, inventory, furniture, computers, and other items used for your business operations. Property insurance does not cover losses caused by employee dishonesty or cybercrime.

Liability Insurance

Liability insurance helps protect your business against claims of negligence or wrongdoing that could result in financial loss or injury to others. Liability insurance includes general and professional liability coverage (errors and omissions). General liability protects if someone is injured on your premises or if their property is damaged due to your negligence. Professional liability protects if you make a mistake in performing services for a client that results in financial loss or damages them reputationally.

Business Interruption Insurance

Business interruption insurance provides financial assistance if an incident causes a temporary suspension of operations at your business—for example if a fire or severe weather event forces you to close temporarily. This policy helps cover lost income and expenses associated with getting things back up and running after such an incident. 

We Are Here To Help!

Taking out the right amount of commercial insurance is critical for any business owner in Queen Creek, AZ, who wants to protect themselves from potential financial losses resulting from unforeseen events. The Insurance Team can help you find the commercial insurance you need – so contact us today!

What Are the Requirements for Classic Car Insurance?

Posted on by agentinsure

You take great pride in driving your antique vehicle around for the occasional Sunday cruise or showing it at selected car shows. Perhaps your wondering about the requirements for classic car insurance at various companies. Our experts at The Insurance Team in Queen Creek, AZ can help you compare policies, starting with eligibility requirements. In the meantime, we’ve listed the most common eligibility rules and considerations.

Eligibility Requirements for Classic Car Insurance

Each insurer may have unique requirements, but most share a few common elements, including the age range of covered vehicles. Antique cars are typically at least 25 years old. Additionally, you cannot use the vehicle for everyday tasks, such as commuting to work or grocery shopping. 

Make sure you have the appropriate space to store your valuable older vehicle. This might include a storage unit, private garage, or barn. However, many insurers won’t cover your classic sports car or refurbished Model T if you leave it in a driveway, parking garage, or carport. Your agent can help you understand the appropriate arrangement to qualify for coverage. Additionally, you’ll probably need to prove you have another vehicle for everyday use.

Are You Eligible for Classic Car Insurance?

Classic car insurance coverage often comes with a maximum mileage per year and requires that you maintain a good driving record. You may also have to prove that the classic car is in good condition with a regular maintenance schedule.

Give Us A Call

You can work with agents at The Insurance Team in Queen Creek, AZ to secure the right policy for your Mustang or refurbished tractor. We can help you understand the eligibility requirements and choose the right coverage for your classic vehicles. Contact us today to schedule an appointment for a free quote so you can show off your vehicle without breaking the coverage rules. 

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. 

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