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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.

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.

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