Moving is undoubtedly one of the most complex tasks a homeowner can face. It involves planning that rivals a military operation and sometimes requires almost as many people.
When you plan a move, one of the many questions you’re likely to have is, “What does my insurance cover during the move?” We’ve got the answer at Henderson Anderson Insurance, and we’ll share it with you here. Our team specializes in homeowners’ insurance in Peoria, AZ, and has provided this information to many customers. The central fact to know is that your insurance will cover losses for some of your belongings.
A homeowners’ insurance policy will generally cover your belongings inside and outside your home and in transit if you use professional movers. A moving company should also have insurance that covers other situations not included in your policy.
Interstate movers are required to offer liability coverage in three options: released value, full value, and separate liability. Released value provides minimal protection based on the item’s weight. Full value pays for the replacement cost. Separate liability goes beyond released value coverage by providing loss coverage above the minimal protection.
If you move yourself, contact your insurance agent to find out what’s covered in your policy and see if you need to extend your coverage. If you have any additional questions about insurance during a move, our team at Henderson Anderson Insurance is always happy to provide the answers.
Buying a new car is an exciting event, and once you make that financial commitment you want to protect your vehicle. The best way to do that is through auto insurance in Peoria, AZ.
At Henderson Anderson Insurance, we have the details a new car owner should know about insurance. Let’s take a closer look.
Not only do you want to cover your new car, truck, or SUV with auto insurance, but it’s also required by law. Each motor vehicle operated on the roads of Arizona must have liability insurance from a company authorized to conduct business in the state. Apart from the mandatory insurance requirements, you have other options to consider.
New vehicle replacement coverage will reimburse you the total value of the brand new car if it’s stolen or destroyed within one year of purchase. Loan and lease coverage provides money to cover the gap between the amount left on your loan and the vehicle’s depreciated value.
If you have a fantastic custom sound system in your new car, having audio-visual and custom equipment coverage protects you for the value of anything not installed by the factory or dealer. This also applies to items such as aftermarket wheels, lift kits, and paintwork.
OEM parts replacement coverage is an additional auto insurance element that will benefit you. It is added to your comprehensive and collision coverage to ensure you get factory parts for your car during accident repairs.