Your Valuable


young couple meeting with insurance agent

Questions to Ask Your Insurance Agent

A reputable insurance agent in Glendale, AZ, will always try to get you the best coverage for your situation. No matter how skilled the professional, however, the results you come away with always depend on your ability to effectively communicate your needs. In order to fully understand your options and help your agent guide you through the purchasing process, you need to know the right questions to ask. Here are three examples from the team at Henderson Anderson Insurance:

How Do I Plan for Life Changes? — Your insurance should reflect your lifestyle, and that changes as the years go by. If your family is growing or encountering new challenges like home ownership or learning to drive, your agent can help you anticipate the coverage you should consider to account for them.

What Should I Buy When I Move Out? — If you’re fresh out of school or plan to start living on your own soon, insurance is a vital part of protecting yourself from future problems. Your agent can explain transitions from parental or partner coverage, buying rental insurance, and other important first-time considerations.

How Can I Cover My Home Business? — Thanks to the internet, it’s easier than ever to run a thriving company from the comfort of home. Depending on the nature of your business, however, you might need anything from an added endorsement on your homeowner’s insurance to an entirely new policy.

car accident

What to Do if You Get in an Accident with an Uninsured Driver

In almost every state, drivers are required to have a minimum amount of liability car insurance. Unfortunately, that doesn’t mean every driver on the road is following the laws. You might be surprised to find out that about one in eight drivers actually do not have auto insurance in Peoria, AZ. And if these drivers are ignoring this law, there is a good chance they are ignoring other traffic laws as well.

So what do you do when you are in an accident with an uninsured driver? As a savvy driver, you want to do everything you can to protect yourself. The first steps should be to call the police, swap information, and gather as many details and pictures as you can of the vehicles involved in the crash. It is also important for you to not accept any money from the uninsured driver–even if it seems like a good deal.

Once you have all of the information you can gather, it is time to contact your insurance company. Make sure you tell them right away that you were hit by an uninsured driver. This will affect the entire claim process. Also, make sure that you get a police report since the driver is uninsured–you will need that later.

When you are working with a good insurance company, you can rest easy knowing that your agent is going to work diligently to make sure your claims process is as hassle-free as possible. The more information you are able to give your agent, the smoother everything will be for you and your claim. You shouldn’t have to pay for someone else’s mistake–especially if they aren’t insured!

expensive antiques

Do You Need a Home Insurance Rider?

It is very likely that your home is your largest personal investment and, as such, it should have comprehensive insurance coverage. It’s only common sense. But what about the valuables in your home, are they completely covered?

Most policies provide a certain amount of coverage on the belongings in a home, but only up to a certain point. Let’s say your policy offers $50,000 coverage for personal property, but you are lucky enough to have amassed some very precious items that far exceed that figure. What do you do?

The solution is a rider on your homeowners insurance in Glendale, AZ. This is a way to provide extra coverage for property that is worth more than the limits expressed in your policy. Riders, also known as endorsements or floaters, usually provide coverage up to the appraised value of the item once you provide the insurance company with an appraisal by a qualified professional or receipt.

So, the answer to the question of “Do I need a home insurance rider?” is yes, if you have items you wish to insure with additional coverage due to their value. A rider is ideal when you have property such as artwork, jewelry, collectibles, musical instruments, or antiques, for example.

If you have further questions, the team at Henderson Anderson Insurance is happy to answer them for you.

What to Consider Before Buying Commercial Truck Insurance

yellow, green, and red semi-trucks If you own a commercial truck or fleet, insurance is a top priority. In the event of an accident or disaster, you need to know that you can afford to keep doing business. Before you buy, though, it pays to brush up on your knowledge of commercial truck insurance in Glendale, AZ. Here are a few questions to consider when you shop for the right policy to fit your needs:

Are you getting what you pay for?

It’s easy to assume things about a policy based on misleading package names or wording. A responsible seller should be willing to answer in-depth questions about potential coverage and claims.

Are you paying for what you actually need?

Bundled policy packages often provide great savings, but they can also be a way to sell insurance you wouldn’t buy otherwise. Consider the distances your trucks go, their age, and other important factors to figure out exactly what coverage you need and don’t pay for more without significant reasons for doing so.

What will your coverage do for you?

Imagine the worst-case scenario for your trucks. In that situation, how much coverage would you need to cover all potential expenses? If your policy falls short, you may want to buy supplemental insurance or see a different plan to ensure that you always have the money necessary for your business’s success.

The Need for Umbrella Liability Insurance

colorful umbrellaThe world of insurance is complex. When navigating it, it’s important to understand exactly what kind of insurance you need for your particular situation. Umbrella insurance is a type of liability coverage that goes beyond standard coverage. This secondary insurance works in concert with a primary policy to protect you from litigation.

Depending on your specific requirements, an umbrella insurance policy may be the right choice. Every situation is different, and you need to understand what your primary liability limit is and consider the risk you face in terms of lawsuits.

Why Choose Umbrella Insurance

There are several reasons why you should consider turning to a trusted provider for umbrella liability insurance in Glendale, AZ. First, umbrella coverage gives you peace of mind. In the unfortunate event of an accident, you would be protected from negligence-related costs. This level of assurance is invaluable.

Secondly, umbrella insurance protects your valuable assets. A lawsuit could result in paying exorbitant amounts of money, or even having your property seized.  Umbrella coverage protects against that.

Finally, coverage protects your financial future. It goes beyond the normal limits of your insurance policies, so you don’t have to worry. Above all, do your research. Once you’ve evaluated your particular situation, you’ll be ready to decide if this type of coverage is right for you.

What to Do When Someone Gets Hurt on Your Property

man with cast on his legThe idea of a guest sustaining a serious injury while visiting your home may seem outlandish, but every year, plenty of homeowners find themselves facing lawsuits for that very reason. Life can be unpredictable, and sometimes visitors on our properties get hurt for one reason or another. Here are a few things you should know about these situations:

You can be sued for medical fees, legal fees, and more. If the injured party seeks medical treatment and sues you for the cost, they can also sue you for the costs of any legal counsel they retain. They may also sue you for damages done to their property as a result of your negligence–for example, if a tree on your property falls onto theirs.

Personal liability insurance can help mitigate the consequences. Depending on your insurer, your personal liability insurance in Peoria, AZ, could help protect you from lawsuits and cover the costs of damages mentioned above. Some policies even provide coverage for property damage you cause elsewhere than your own property.

You may already have personal liability coverage. Many homeowners’ insurance policies have personal liability insurance coverage built into them. It’s a good idea to check with your provider to make sure you’re protected and shop around if you’re not.

Adding Your Child to Your Car Insurance Policy

teenage girl behind the wheel of a carPassing the car keys to your teenager is as exciting for them as it is terrifying for you. Before your child gets behind the wheel, though, it’s well worth your time to research your insurance options. This can help allay your fears, as well as keep you and your teen informed going forward.

A good first step is determining whether your child needs to be added to your insurance policy when they get their learner permit or when they get their license. This varies by insurer, so be sure to talk directly with a representative to be certain.

Many families simply add their teens to their existing auto insurance in Glendale, AZ, but it’s a good idea to shop around for cheaper plans. Your current insurer may not be able to add your teen as affordably as another insurer. Switching could help you save in the long run.

Finally, take time to ensure you’re on the same page with your child regarding the coverage and your expectations. Good drivers are often eligible for discounts thanks to their clean records, and as your son or daughter grows older, they may want to take advantage of such discounts when they get their own policies. Reinforcing the importance of safe driving from an early age benefits you both.

Top 3 Reasons to Get Life Insurance

young couple signing up for life insuranceIf you are not sure whether life insurance is right for you–think again. It’s a common thought, especially among not-so-young adults that are just starting their families. However, when that first child comes along, you’ll likely have the future on your mind. If you’re still undecided at that time, here are some common reasons cited by those who made the decision to get a policy:

  1. Life insurance can help mitigate debt. In the event that you pass away unexpectedly, your family will likely be responsible for any debt in your name. This can be a serious burden, especially for a partner that now has to proceed on their own. Life insurance in Glendale, AZ, can help pay off these debts and protect your family’s financial interests.
  2. Life insurance can help send your children to college. Many people save for their children’s college fees over the course of the kids’ lives. However, if you pass away suddenly, your kids may come up short when they get their first tuition bill. Some life insurance policies can be used to cover tuition and other college fees.
  3. Life insurance can help cover funeral expenses. The sad truth is that funerals tend to be rather expensive. Many families struggle to afford them. But with a life insurance policy through Henderson Anderson Insurance, your family can make arrangements without significant financial burden.

Preventing Car Theft

thief picking car lockThanks to modern advances in anti-theft technology, most people feel safe in assuming their vehicles are protected. But the truth is that criminals are always coming up with new workarounds, even as new anti-theft technology is released.

It’s important to remain vigilant and stay abreast of the latest trends in crime prevention so you can protect yourself and your property. Here are a few things to know about modern car theft:

It’s not random. If your car is broken into, it likely didn’t happen out of the blue. Many criminals examine their victims’ routines for lapses in attention. This helps them strike opportunistically. For example, if you tend to park your car in a dimly lit area, or routinely leave your wallet in plain view, a thief may observe this pattern and exploit it the day you happen to leave your car unlocked.

New Year’s Day is the most dangerous holiday. Of all holidays, New Year’s Day sees the most car thefts annually. Why? It likely has something to do with revelers leaving their cars parked in odd, out-of-the-way places after a long night of partying. Leave your car safely at home next year, or if you do drive, make sure you park in a safe place.

Auto insurance can help. Did you know that insurance can cover break-ins, stolen items, and even the value of your car? With the right auto insurance in Glendale, AZ, you can relax knowing you’re protected no matter what. Shop around for coverage that puts your mind at ease with the help of Henderson Anderson Insurance.

Why You Need Personal Liability Insurance in Glendale, AZ

couple speaking with insurance agentA fact of life is that accidents happen. If you are involved in an accident and have been held responsible for it, it is necessary to compensate the injured party. Personal liability insurance in Glendale, AZ, can protect you in your time of need. Let’s talk about why taking out a personal liability policy is a good idea.

A liability insurance policy is a type of coverage that protects you in the event that someone has been hurt on your property or as a result of your actions. For example, if you have company over at your apartment or condominium and they are injured, they may try to seek compensation. The liability policy can provide a payout that helps cover medical expenses, among other things.

Another benefit to having liability insurance is that it can also provide protection if you are being sued. Many policies include tenets that can provide legal representation and the coverage of court fees and expenses. In these instances, you can significantly reduce your out of pocket expenses if you have a liability policy.

Nobody ever expects an accident to happen. When the unexpected occurs, liability insurance can be a lifesaver. Take the time to assess your property, your lifestyle, and your tolerance for risk. With the right insurance policy, you can have the breathing room you need to live more comfortably.


Top Progressive® Agent for Past 10 Years | Progressive Peak Performer