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The Importance of Commercial Truck Insurance in Glendale, AZ

truck driver giving a thumbs upCommercial trucks: they’re a common sight on the road and a foundation of the economy. Whether you are an owner-operator or manage a fleet of commercial vehicles, it’s important to protect your investment and your livelihood. For these instances, consider commercial truck insurance. In Glendale, AZ, drivers and truck owners are taking advantage of the benefits and coverage that policies provide. Today we will talk about why taking out an insurance policy is important.

Commercial truck insurance is comprised of a collection of policies that are designed to protect commercial trucks and their drivers. These policies can provide financial assistance or logistical support–tools that you may use in a time of need. Many trucking companies, drivers, and owner-operators take out policies for many reasons, including:

State and Federal Regulations: Federal law requires that commercial trucks be covered by some form of insurance policy. Additionally, state laws have different requirements. Depending on the weight, passenger capacity, or nature of the cargo your trucks carry, you may be required to carry a specific insurance plan. Your auto insurance broker can help you find a policy that meets your needs.

Asset Protection: Trucking companies, owner-operators, and for-hire drivers depend on their vehicles to secure their revenue. If something were to happen to a vehicle or its driver, the losses could take a big toll. Insurance policies are intended to protect trucks, equipment, and cargo–offsetting the potential financial losses.

Personal Protection: In a similar vein, it is important to understand that driving poses distinct risks, including the risk of bodily harm. Insurance can also include a liability policy that protects drivers and other parties involved in an accident. These policies can help pay for emergency services, health care and treatment, and more.

Finding the right policies that meet your needs is a daunting task, but it can help you in a time of need. Consider your options for commercial truck insurance and protect your enterprise from the unexpected.

What to Do After a House Fire – Pt. 2

smoke detectorIn our last post, we showed you the first four steps toward getting your life back together after a fire. Here are four more tips from our insurance company in Peoria, AZ, to help you and your family recover from a house fire:

Create a List of Damage Items

Make a list of all of the items that were lost or damaged in the fire to ensure that your homeowners’ insurance policy will reimburse you. Some insurance carriers will require details like receipts and serial numbers. Unless these receipts were kept in a fire-proof safe, there is a chance you won’t be able to retrieve them. Try searching your online bank statements for proof of purchase.

Check on the Safety of Your Home

Fire can damage your home’s structural integrity and leave behind hazardous obstacles. Before returning to your home to recover any salvageable items, make sure the fire marshal has deemed it safe to enter your house. Entering your home too soon after a fire can be dangerous and can also void parts of your home insurance policy.

Save Undamaged Possessions

If your home has not been destroyed, and the fire marshal and your insurance carrier have declared it safe to enter, it is time to recover your possessions. If your home is still in decent shape, you can hire a professional to restore your home. If you need to move, or if it will be a while until you can live in your home, you may want to rent a storage unit for any items that you can salvage.

Don’t Turn on Utilities until it is Safe

When putting out a house fire, firefighters often turn off your utilities to prevent further damage to your home. You need to contact both the fire department and your utility provider to ensure that it is safe to turn them back on. To prevent additional fires, gas leaks, or water damage, call a professional to inspect your house before you restore your utilities.

When you need quality homeowners’ insurance to protect your family from a house fire, call Henderson Anderson Insurance at (866) 241-9005.

What to Do After a House Fire – Pt. 1

homeowners insurance in peoria azRecovering from a house fire is never easy, and it is easy to become overwhelmed. Here are some steps you can take to get yourself and your family through this terrifying experience and start putting your lives back together.

Find a Place to Say

Once the fire department has been notified, it is time to find a place to stay. Even if you can only find lodging for one night, it is essential that you do so. Once you have a place to sleep, you can gather your thoughts and plan your next move. If you can’t stay with friends or family, and you have no money for a hotel, reach out to the American Red Cross. They may be able to provide your family with free shelter.

Contact Your Insurance Agent

Once you and your family have acquired shelter, you should call your insurance agent immediately. The sooner you file a claim on your homeowners’ insurance in Peoria, AZ, the sooner you can begin searching for a new home or repairing the damaged house.

Contact the Police

Empty homes are a beacon for thieves and squatters, so be sure to alert the local police. They can secure your home in your absence. If the fire department declares it safe, you should also board up your windows for added security. You can hire a professional to do this for you.

Plan Your Finances

Unfortunately, you cannot put your life on hold for a fire. You will still need to make sure your bills are getting paid on time while you rebuild your life. It is a smart idea to cancel services like cable, internet temporarilyalong with any streaming services you can’t use while you are unable to live in your home. You should also check what your insurance will and won’t cover so you can plan for repair costs.

These are just the first four steps to getting back on your feet after a house fire. Stay tuned for our next post, and get a quote on quality homeowners’ insurance today at (866) 241-9005.

Four Safety Tips for Arizona Homeowners

 Whether you live alone or have a large family, it is always wise to take measures that will ensure the safety of your home and its residents. Here are four home safety tips from our insurance agents in Peoria, AZ.  Invest in a Security System According to the FBI, over 30% of home burglaries were due to unlocked doors and windows. Not only should you keep these entryways locked (even when you’re home), but you should consider a home security system.  Practice Electrical Safety Did you know that electrical fires are the leading cause of household fires every year? If you have electrical cords or appliances that are damaged, discard or replace them immediately. If you have children, cover any unused outlets with plastic covers.  Test Smoke and Carbon Monoxide Alarms A working smoke alarm reduces the chances of death by fire by 50%. Working alarms should be present on every level of your home as well as in every bedroom. Equally important are carbon monoxide alarms, especially as you cannot see, taste or smell the gas.  Secure Your Pool Drowning is one of the leading causes of death for young children. It is vital that you protect your pool at all times. Never let your children swim alone and consider installing a safety barrier.Whether you live alone or have a large family, it is always wise to take measures that will ensure the safety of your home and its residents. Here are four home safety tips from our insurance agents in Peoria, AZ.

Invest in a Security System
According to the FBI, over 30% of home burglaries were due to unlocked doors and windows. Not only should you keep these entryways locked (even when you’re home), but you should consider a home security system.

Practice Electrical Safety
Did you know that electrical fires are the leading cause of household fires every year? If you have electrical cords or appliances that are damaged, discard or replace them immediately. If you have children, cover any unused outlets with plastic covers.

Test Smoke and Carbon Monoxide Alarms
A working smoke alarm reduces the chances of death by fire by 50%. Working alarms should be present on every level of your home as well as in every bedroom. Equally important are carbon monoxide alarms, especially as you cannot see, taste or smell the gas.

Secure Your Pool
Drowning is one of the leading causes of death for young children. It is vital that you protect your pool at all times. Never let your children swim alone and consider installing a safety barrier.

The Importance of Having Motorcycle Insurance in Central Arizona

close-up of motorcycle on a roadsideIf you are an avid motorcyclist, your bike and the open road is all you need to feel calm and at peace. After an especially stressful day, strapping on a helmet and hitting the road is therapeutic. However, it is also a widely-known fact that motorcyclists face a higher risk of getting into an accident than those who drive cars or trucks — this is why it is imperative to have motorcycle insurance.

Of course, you do not plan on crashing your bike or injuring yourself; but as with all other forms of insurance, you will want the best policy in case of an emergency. Having motorcycle insurance coverage benefits you, your bike, and the other motorists on the road.

When it comes to coverage, you have some options. Much like auto insurance in Peoria, AZ, liability coverage is mandatory. Collision insurance, comprehensive coverage, and uninsured/underinsured motorist coverage are optional coverages that you may wish to add to your policy.

Whether you are a devoted everyday motorcyclist or a weekend road warrior, you must take precaution by choosing a motorcycle insurance policy. If you need motorcycle insurance in central Arizona, contact Henderson Anderson Insurance to learn about our policies and coverage options.

What to Do When You’re Involved in a Car Accident

two vehicles after a rear-end collisionThe moments following a car accident are scary, and it’s not always easy to remain calm and think clearly. However, certain steps need to be taken to protect yourself and your interests.

  1. Determine the extent of injuries and damage.
    Worry about yourself and the passengers in your car first. If children are involved, it is best to call an ambulance if you’re not sure if they are hurt. Adrenaline can make people numb to the pain at first, so it’s best to be safe rather than sorry when it comes to an automobile accident.
  2. File an accident report with the police.
    Any witnesses may have already called the police, so make sure they have been notified of the accident and are sending an officer over. Even minor accidents need to be reported. Do not leave the scene until the report is complete.
  3. Get the Facts.
    It is easy to forget
    to obtain the other party’s information immediately following an accident, but this is very important for your protection. Take down license plate numbers, contact information, and insurance information. This will protect you in case the other motorist leaves the scene before the police arrive.

  4. Call your insurance company.
    Once you have given your report to the police and obtained the other party’s information, call your auto insurance agent in Peoria, AZ. You will be given a claim number that you will need to reference in any future communications with your insurance company regarding the incident.

What Does Your Insurance Protect You From?

luxury home in ArizonaMost homeowners have insurance policies to protect their home and possessions against loss. A loss could be caused by factors including fire and theft, as well as wind damage from natural storms like storm surges and hurricanes.

Rather than basing your policy on the size of your home’s structure, you should have an estimate of what your possessions are worth. If you were to only base your policy on how large or small your home is, you would not have enough funds to replace all of your possessions if something were to happen.

In addition to protecting your possessions and the structure of your home, you will be protected from personal liability. This means that if someone gets injured while in your home or on your property, they cannot bring a lawsuit against you. This type of protection covers the cost associated with hiring an attorney. It may also include protection against paying the medical bills or the damages done to the property.

Finally, homeowners insurance in Peoria, AZ, is also required by most lenders. This protects the lender’s investments in case there is damage that is caused by weather, fire, or vandalism. A homeowners insurance policy must equal at least the balance of your outstanding mortgage loan.

How to Find the Best Homeowners Insurance in Arizona

luxury home in ArizonaWhen you finance a car, you must arrange an auto insurance policy before you leave the dealership. However, buying a home is a little bit different. While you may not be required to have homeowners insurance, it is still in your best interest to find the best insurance agents in Glendale, AZ, after you have secured your new house.

Research Consumer Ratings
Simply put, some insurers provide better satisfaction than others when it comes to handling claims. Should something happen, you can help ensure that your settlement will not be too small by choosing a company that has (at least) mostly-positive ratings from customers that have filed claims.

Research Common Claims in Your Area
Before securing an insurance policy, it may be a good idea to research some claims that have been made in nearby areas. Knowing what challenges the homeowners in your area most commonly face, such as water damage or fire/lightning damage, can help you make a smarter financial decision with an insurance agency that can work with your specific needs.

Compare Rates
While your mortgage lender will likely recommend a particular insurance company, this will not help you with getting the best rate. If you work with a trusted insurance agent in your area, the shopping and comparing of plans will be done for you – saving you both time and money.

How to Maintain Affordable Auto Insurance in Arizona

managing finances with notebook and calculatorResidents of Arizona are well aware that a car is a necessity to successfully living in The Grand Canyon State. The requirements regarding coverage are apparent, but it is important to speak with a qualified insurance agent to know which additional coverage is right for you and how much more that will cost.

While Bodily Injury Liability Coverage, Property Damage Liability Coverage, and both Uninsured and Underinsured Motorist Bodily Injury Coverage is required of drivers in Arizona, you may want to look into additional coverage.

Compare Prices and Ask for Discounts
Car insurance in Arizona is a requirement, but it doesn’t mean that you have to break the bank to afford it. Before you sign with the first insurance company able to obtain coverage for your car, it is essential to do some research to ensure you are not paying an arm and a leg for a policy.

Increase Your Deductibles
Increasing your deductible can substantially help reduce the costs associated with your auto insurance in Glendale, AZ. By increasing your deductible, your collision and comprehensive costs will be reduced.

Because car insurance is a requirement to drive a vehicle, you will want to do whatever you can to reduce the costs so that you can maintain affordable and reasonable car insurance premiums. To find the best insurance plan to suit your commercial needs, contact the agents at Henderson Anderson Insurance today at (866) 241-9005.

Auto Insurance for All Vehicles and Drivers in Peoria, AZ

woman smiling driver’s seat of a red sedanNo driver should be without auto insurance, and Henderson Anderson Insurance ensures that this is the case for drivers in the great state of Arizona. The Grand Canyon State is not so beautiful when you get in an auto accident while uninsured. Fortunately, Henderson Anderson Insurance offers motorists with insurance options from a wide variety of preferred carriers. As a leading provider of auto insurance in Peoria, AZ, our agency offers competitive rates that will help you lower your bills. If you have a new car and a large car payment, this can be an especially welcome relief to you.

Getting an affordable insurance quote is easy when you contact the agents at Henderson Anderson. Our team members are experts in auto insurance policies in the state of Arizona, and we can help you create a policy that is tailored to your needs. Whether you are seeking an auto insurance policy with a low or high deductible, our agents are determined to find the perfect plan for you.

Driving while uninsured is both illegal and dangerous. To ensure that you stay out of trouble and out of debt, contact our agents at Henderson Anderson Insurance for comprehensive insurance coverage today.

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