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Queen Creek, AZ 85142

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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. 

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.

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