Archive for the ‘Umbrella Insurance’ Category

Listen to KFYI or KGME and you will hear Frank Capparelle Sr talk about the great benefits of having AnCap Insurance be your agent.  KFYI is AM 550 in Phoenix, AZ. KGME is AM 910 in Phoenix, AZ. KGME also has streaming and you can hear the ads online! Of course if you can’t wait to hear our great advertisements, go to the home page and you can hear them right now!!

This morning on azcentral.com there was an article about a teen who took the parents car without consent. The boy was told by his parents that he was not allowed to take the car unless going to specific places. He decided that he could get around the disciplinary action, and went out with his friends.

There was an accident with serious injuries.

Who is liable the parents or the kid?

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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.

Have you checked your auto insurance coverage lately to see what your liability coverage is?

Many people still have 1980′s coverage 

Too many people are still maintaining 100/300/50 (dollar) liability limits which were excellent levels back in the 1980’s.  To review, $100,000 is the limit per person for bodily injury coverage; $300,000 is the total amount for bodily injury coverage (for everyone); and $50,000 is the coverage for property damage.

While rental car companies consider this to be the minimum amount of coverage required, and states have even lower requirements, in today’s dollars you are taking considerable risks every time you drive.

If you were to be involved in an auto accident involving three or four cars, or if one or two individuals were seriously injured, 100/300/50 liability coverage would probably NOT be sufficient enough to cover the costs of the claims.  Which means, you would then be hit with the bills which could run into the tens or hundreds of thousands of dollars.

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