Archive for the ‘Home Insurance’ Category

Yesterday was the official beginning of monsoon season here in the valley. In 2008, the National Weather Association decided that instead of guessing when the monsoon season would begin that they would give the season official dates. The dates are June 15th through September 30th. Even though these are the official dates of the season, the average starting date is July 7th. Normally the season will leave us on September 13th. What qualifies as a monsoon day? The dew point average must be 55 or higher. In history the worst monsoon season that Phoenix had ever encountered was 1984. It was the wettest with over 9 inches of rain!! 1984 also had the most consecutive days, coming in at 72.

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Have you started a small business that you run from your living room?  Maybe you are a photographer, or pet groomer. What about cosmetic sales? Do you know what coverages are needed even for the small picture framing business? Most homeowners companies will not cover a loss for the business materials that you have on site for your small business. Some insurance companies might even drop your policy all together if they knew about the taxidermy company that you are running. There are some options for your company that can be affordable, depending on the business you have decided to start.

 What do I need??

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This past weekend I was flipping through the channel and landed on a popular HGTV show, Holmes on Homes.  The shows premise is to educate homeowners that hire shady contractors to renovate their home. When shortcuts are taken it leaves the homeowner in a possible dangerous situation. The episode that aired on May 30,2010 (and will air again on June 23, 2010 if you are interested), had a slightly different twist. The homeowner was actually renting out an investment property when the police raided it and called the owner to inform her that the tenants had been engaging in an extensive marijuana operation.

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Arizona is well known for consistently being above the national average for drowning deaths. On average 90 people will die from drowning in Arizona each year. Most of these tragic deaths will happen between April & August. 20% of these accidents are related to swimming pools.

Do you know what the law says about pool safety??

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There are nearly 74.8 million dogs in the United States. There are approximately 800,000 bites each year. Maricopa reported just under 5800 bites in 2009. Nearly 80% of dog attacks are to friends or family of the dog owner. May 16-22 is Dog Bite Prevention week in Maricopa County.

All dog owners need to understand their potential liability should their animal bite, maul or, heaven forbid, kill someone. A single bite could cost you tens of thousands of dollars — a lawsuit, hundreds of thousands — and your insurance coverage might not apply. If the attack is especially serious, you could even go to jail.

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Earthquakes not covered by basic homeowner’s insurance

When Arizonans felt the effects of the magnitude 7.2 earthquake that hit Baja California, Mexico on Easter Sunday, there were reports of swaying buildings, rattled walls, and sloshing pool waters. but no major damage.

“Historically, the Valley of the Sun has not had any measurable earthquakes since 1875,” explains Frank Capparelle, Sr., Founder, President, and CEO of AnCap Insurance.  “Flagstaff is built along some fault lines but there has not been any significant activity in the area that caused damage since 1912.”

Basic homeowners’ insurance policies do NOT cover damage from earthquakes.  Thirty-nine states have experienced earthquakes since 1900, and about 90% of Americans live in areas considered seismically active. Yet only a small percentage of people purchase earthquake insurance, which is an addendum to a homeowner’s insurance policy.

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Congratulations to our Facebook winners

Happy Mother’s Day to all mothers today – you have more than earned a special day to honor all of your unselfish dedication to your children and family.

And, congratulations to our Facebook “Insure Happiness for Mom” contest winners: Christopher, Stephanie, Emily, Melissa, and Valerie.  Bouquets of fresh flowers creatively arranged by our friends at Phoenix Flower Shops have been delivered to the mothers of your choice and we hope the ladies enjoy their beauty for days to come.

After all of the celebrating of the day is passed, you might want to consider one more gift for all of the mothers in your life.  The gift of peace of mind.

Insure Peace of Mind for Mom, too

Work, accomplishments and worry ranked high on a poll taken of mothers’ daily stressors.  Why not help lighten that load by giving her peace of mind that the insurance coverage is a right fit for her family’s specific needs. 

We would be happy to review your family’s insurance policies to determine if your coverage provides complete peace of mind for you at the most competitive price.  Just give us a call at 602-943-2586.