Insurance in Scottsdale During Monsoon Season
Living in Scottsdale, AZ is not always all dry heat and sunshine. With summer in full bloom, Maricopa County is already in the midst of its annual monsoon season. Both winter and summer are Scottsdale’s rainy seasons, with the summer storms likely to become extremely intense.
According to the Flood Control District of Maricopa County, the combination of the summer heat with the moisture that gets pushed in from the Gulf of Mexico, the Gulf of California and the Pacific Ocean by the south and southeast winds creates an atmosphere of horrendous storms. What results are high winds, dust and torrential downpours that can cause severe thunderstorms with flash flooding.
Flash flooding is the leading cause of flood damage to homes and buildings but what’s important to understand is that homeowners insurance does not cover flood damage. The reason for this is that flood damage is unpredictable and generally very expensive. However, according to a recent article in the Phoenix Business Journal,
…owners of properties located within high-risk flood zones with federally-backed mortgages are often required to have flood insurance.
So, how is it that flood insurance is required but not provided? It is certainly possible to purchase flood insurance in Arizona, but many people who are unable to afford extra insurance on their own opt to get their flood insurance through the National Flood Insurance Program (NFIP). The biggest issue with the NFIP is that it is government funded which means that the funds aren’t always guaranteed to be there.
Currently, there are around 18,000 residential and property owners in Maricopa County who have flood insurance with the NFIP for their homes and businesses. For the last six years, Congress would only sign off on short-term authorizations, leaving its Maricopa County users unsure if their policies would lapse or even continue. Good news to those participants is that Congress did just recently pass a bill to continue coverage for the next five years, alleviating some of those short-term worries. Of course, with this longer-term reliance, there are some new stipulations.
The new legislation would raise the cap on premium hikes to 20 percent a year from 10 percent. It would also require a yearly rate hike of 25 percent for premiums of specific properties, including vacation homes and homes with repeated claims. The bill would also set minimum deductibles ranging from $1,000 to $2,000. These changes would make coverage more costly for property owners.
These stipulations may seem costly to those who take part in the NFIP, but considering that insurance claims from flooding average at about $34,000 for residential homes and over $85,000 for commercial businesses, the increased costs should seem a small price to pay.
So, as monsoon season takes its course in Maricopa County, those who get flood insurance through the NFIP may have to pay a little more, but they can rest assured that they are covered for at least the next five years.
Scottsdale Insurance Agent – a cornerstone in the high-end insurance marketplace
We at Scottsdale Insurance pride ourselves in providing the very best insurance policies for your sophisticated treasures. We’re not the average auto, home, life insurance company in Scottsdale AZ. We enjoy being a cut-above the others, we specialize in the highest quality policies for your high value unique items, be it heirlooms, antiques, fine art, maybe an antique car collection, RV’s, vacation homes, business automobile fleets, pleasure boats or yachts, jewelry collections, pool, Jacuzzi, personal liability or maybe just a simple condo or second or third home or retreat. There are no bounds for what Scottsdale Insurance Home can provide for your protection!
Scottsdale Insurance Agent
You’ve Scottsdale Insurance Agent should work hard to insure your valuable assets and investments, we work just as hard with you to make sure you have the protection for your upper-tiered treasures and you can relax and enjoy them at your leisure and you don’t have to constantly worry about them. It’s nice to know you have someone in your corner, 24/7 all year ‘round. We put all the energy and focus on the front end to ensure there are no disappointments or surprises at the other end. We ask all the right questions as we help you develop your policies to ensure that all the known possible hazards, calamities and unexpected natural disasters are addressed for your valuables and you and your family here in Scottsdale Arizona! We make sure to get you the top-shelf coverage and there are no limits to our service and efforts to help you! We are the moat surrounding your castle, keeping you, your family, your business and all the things important to you safe. Our team reviews your valuables and, on a one-by-one basis, makes sure your protected from loss, regardless of how. Each item is scrutinized, evaluated for replacement value, and catalogued before we write the policy, then we all can relax! We excel at this, which is what puts us as one of the premier Scottsdale Arizona Insurance companies.
We presently work with over 20 major insurance companies, which include: AAA; Acuity, Allied Insurance, American Modern, First American Exchange, Austin Mutual, Auto-Owner’s Insurance, Badger Mutual, Hagerty, Chartis, Electric Insurance Co, Encompa, Fidelity, Foremost Insurance Group, The Hartford, Infinity, Kempe, Mercury Insurance Group, MetLife, Philadelphia Insurance Co, Progressive, Travelers, Union Standard and Zurich. With all of these to work with, we can build the perfect policy or program to protect you without equal.
We are located in Scottsdale, Az. We are your real neighborhood watch and we cover you with, well, with would you believe papergold! Our motto: “We are here to serve our neighbors.’ We invite you to contact us.
Insurance Protection through Scottsdale Insurance
Scottsdale, Arizona is the “Address Most Wanted” in the land of cacti, roadrunners and gorgeous desert views. Amidst the sprawling luxury homes and manicured lawns, glistening pools and luxury cars, is a feeling of contentment akin to a sign on the front door reading “I made it!”. But don’t be fooled into thinking that this sense of satisfaction might be confused with smugness. The contentment is from knowing that you have worked hard, lived well, and that your loved ones and assets are well protected.
Scottsdale Insurance Home knows the need for such protection. While other companies have a standard, one-size-fits-all coverage, we personalize each Scottsdale Home Insurance policy especially for you. Protection for the ones you love may not only include premium Scottsdale life insurance for you and your family members. You want to protect your business, your home, and your additional assets. What would happen to your family if you were not around to run the business? Would your family be able to enjoy your boat, your art, your cars, your jewelry? And heaven forbid, how would you and your business survive a lawsuit?
The key to purchasing insurance in Scottsdale AZ, with this high-end coverage is to work with a company that specializes in knowing how to determine replacement value through research and experience.At Scottsdale Insurance, we offer this expertise and precision. Like you, we run our business with the same hard work and diligence, and employ only those individuals that share our same work ethic and expertise. Our company is different in several ways:
- Your home may quite literally be your castle and you want to insure it for its full value. All of the custom features that make it special will be valued by our team of experts. And that second (vacation) home cannot be forgotten. Just because it is located in a different zip code does not mean that a precise valuation will not be done!
- Our due diligence includes a comprehensive study of each high-end asset that you possess and wish to protect. Your one-of -a-kind art collection will be evaluated, piece by piece. Your jewelry and antiques, as with all of your valuables, will be researched and cataloged to optimize your protection.
- Your fleet of motor vehicles is not like anyone else’s. So your coverage should not be either. Is there something on your car, watercraft, or recreational vehicle that is custom or one of a kind? Will there be multiple users drivers? Is one or more of your vehicles an antique or a restoration? Other companies might have trouble valuing these high end vehicles, but this is where we shine!
- Your business reflects your hard work, long hours, and your attention to detail. You hire the best people. You compensate, train, and promote. But even the best of the best needs to protect themselves against unforeseen liabilities. You should never compromise your beliefs and ethics because you are under-insured. We can help you determine your need for liability coverage.
You’ve earned this life and you are proud of it! Let us help you with personalized protection. Contact us today for more information at:
Scottsdale Home Insurance(480) 712-0400
20875 N. Pima Rd
Scottsdale, AZ 85225
Family heirloom or antique insurance – Scottsdale Insurance
With all the things going on in our world today, we sometimes forget about getting or making sure we have insurance on our heirloom items handed down over the years, sometimes one-of-a-kind items, mostly irreplaceable and typically very expensive, if not priceless!
Here at Scottsdale Insurance Home we recognize the need for unique insurance items and situations. We take great pride in helping you protect yourself from any possibility including: fire, life, break-in, theft, flooding, liability protection and protection in case of a multitude of natural disasters! We have unique policies to cover your treasures.
We also protect your expensive primary and secondary homes, condos, cars, multiple drivers, RV’s, yachts, fine art, antiques, collectibles, secondary homes, cabins, vacation properties, you name it, we can help you protect it! We are a cut above the usuaal insurance groups, we specialize in underwriting policies for expensive, irreplaceable, over-the-top, high end items. We have numerous major insurance companies we deal with and we can get you the coverage you need, for whatever, be it jewelry, art, antique furniture, autos, various collectibles and of course, the big ticket materials like the RV’s, yachts, cars and homes.
We recognize that insurance prices vary as much as the coverage provided, we make a difference by helping you cover your treasures from possibly every potential calamity that you may encounter! We don’t want any surprises for you! Your disappointment in our service is our worst nightmare! We strive to protect you and keeping you happy is our #1 goal.
We are located here in Scottsdale, AZ and we cater to the affluent individuals and families with a multitude of insurance requirements, including life, home, business as well as liability protection for yourself, family and business. We typically handle the high value items and we offer policies designed specifically for you. Our mission ‘is to allow you to coordinate the coverages you need within a single insurance program that’s easy to manage and uniquely suited to your lifestyle‘. We have extensive discounts available, for one example if you happen to live in a gated or guarded community.
We invite you to contact us at Scottsdale Home Insurance for help with your insurance situation, be it home insurance, business inssurance, whatever, we can cover you!
If you have questions about your Scottsdale AZ Insurance Policy please give us a call.
Scottsdale Insurance Home(480) 712-0040
20875 N Pima Rd
Scottsdale, AZ 85255
Home Insurance Is Not Enough for Scottsdale Residents to Stay Secure
When it comes to Scottsdale homeowners insurance you need to understand that all insurance policies are not created equal. You will want to make sure you are adequately covered by your insurance policy in case of an unforeseeable disaster or accident. Houses burned down, gas explosions or storms destroying homes are often seen on the television news programs. In the event that some disaster strikes you will be properly prepared and this can help limit the stress during an already stressful time. Even when you find an insurance policy that covers you properly you will not be fully protected. There are several things you can do to better secure your home in an attempt to keep burglars out.
Here are a few ways to help keep your home protected from burglaries:
- Lock your doors and windows. This is a simple idea that can deter many burglars. Unfortunately many people often neglect this and suffer from theft. When you leave your house you should lock all the doors and windows. This should also be done when you head off to bed. Remember to also secure sliding doors and windows with a security bar.
- Keep your valuables hidden. Many thieves only go after valuables if they are in view. The ease in getting to something makes it more likely for them to attempt the burglary. If you have nothing of value within sight they are more likely to move onto another target. It can be challenging, but it’s well worth the protection if you keep your flat panel televisions, stereo systems and computers out of view from any windows or doors.
- Invest in a security alarm. While any type of security alarm is helpful it’s better to install a system that alerts a third party to the intrusion.
According to the Federal Bureau of Investigation’s (FBI) Criminal Justice Information Services Division’s annual publication of the “Crime in the United States”, Americans suffered approximately $4.6 billion in lost property in 2010. The average dollar loss per burglary offense was $2.119.
While the prices are known to vary between companies and in different areas of the country, even similar policies might not have the same coverage. Generally each policy with have different coverage for your possessions. You will want to ensure your homeowners insurance policy will protect your valuables and personal items, especially if you are an affluent collector or have several high end valuables.
There are two main reasons why people get home insurance.
While many people are required to get this type of insurance as a homeowner by their mortgage lender, others simply want to protect their property and belongings. Mortgage lenders require homeowners insurance if you have a loan with them. This is to protect their investment. It’s commonplace for mortgage lenders to require you purchase a higher priced insurance policy and have them listed as the mortgagee on the policy.
In addition to covering the general structure of your house and property you will also be given some liability protection as well. This includes protection if another person is injured on your property.
With Scottsdale Homeowners Insurance you can expect a quality policy to meet your needs. In addition to covering your most prized possessions we work with you to form a single insurance program. Our clients have found it’s easier when combining your different insurance policies into one policy.
To ensure your family is protected fully, please contact us for a free insurance policy quote
If you have questions about your Scottsdale Home Insurance Policy please give us a call!
Scottsdale Insurance Home(480) 712-0400
20875 N Pima Rd # C4 Scottsdale, AZ 85255
Scottsdale Auto Insurance Offers Insurance to Affulent Families
Private insurance for affluent families is a relatively unknown type of auto insurance policy, at least for affluent families in Scottsdale, Arizona. That’s all changing as Scottsdale Insurance is helping these individuals bring all their vehicles under one policy.
Convenient and practical for anyone who owns several vehicles, a packaged automobile insurance policy is the way to go. It doesn’t matter if you are a business owner with a private fleet of company cars or have a large family with several drivers. Either way the option to bundle your insurance needs into one policy will help you receive higher quality coverage at a lower rate than individual policies for each vehicle. Not to mention the simplicity of having one policy to make payments on and keep track of.
Most commonly used for businesses owning a fleet of company cars, private fleet insurance can insure multiple drivers with a package discount. Competitive prices are important for business owners and their bottom line. This shouldn’t be at the expense of a quality insurance policy that will keep your fleet of cars covered in case of an accident. Remember you will be saving already by packaging your insurance needs.
Convenient and practical for anyone who owns several vehicles, a private fleet automobile policy is simpler than getting an individual policy for each car. It’s also more flexible as it takes into consideration the age of the driver, their history, and what type of vehicles they own and operate.
Even though private fleet insurance was typically used for businesses who owned several cars, the benefits are becoming more recognized for affluent families as well. Partially due to these families having large families, private fleet insurance is also used more often with the high quality coverage and flexibility.
Some of the many benefits of choosing an Insurance policy for Affluent Families include:
- One policy to cover all of your automobiles and vehicles
- Multiple drivers covered
- Flexibility of your insurance policy
- High quality coverage
- Exceptional auto claims service
- Personalized attention for being a valued client
When it comes to people owning a wide range of different automobiles it’s important their policy covers each car. It doesn’t matter if you own an expensive luxury antique or a modern hybrid. You want to ensure your policy protects your assets. This may include protection against vandalism in addition to damage caused by an accident. Each policy should cater to your specific needs to ensure you get the best coverage at the best price. To determine the best policy for your needs you’ll want to talk with an insurance specialist.
Fleet insurance is no longer just for businesses as families start owning several vehicles. With children growing up and starting to drive you’ll want to keep your family safe. Scottsdale insurance makes it easier for families who own more than one vehicle with their private fleet automobile insurance policy. It doesn’t matter if you own antique cars that are rarely driven or have several vehicles you drive regularly, when you have multiple vehicles a single policy is much easier to manage. You’ll also receive personalized attention for setting up the policy you need and want. Scottsdale Auto Insurance makes sure you get the right protection.
Please call our Scottsdale Insurance Office if you have any questions:
Scottsdale Insurance Home(480) 712-0400
20875 North Pima Road
Scottsdale, AZ 85255
Scottsdale Insurance Home Provides Quality High End Coverage
Floods, hailstorms, and even unlawful entry. All of these potentially catastrophic events strike fear in the hearts of business and homeowners. While a typical homeowner policies adequately insure the average household, one size does not fit all, especially when it comes to insurance for high net worth individual’s and their possessions. In addition, most policies are not designed for luxury belongings and the valuable collectibles that are often found in higher end homes.
Unlike the simple home appraisal which often relies upon home values of other houses in the neighborhood, higher end insurance coverage often requires more research and work in the appraisal and underwriting process. This is because there are often highly unique designs such as million-dollar custom kitchens, rare paintings, and antiques. These types of appraisals usually require a comprehensive set of photos both inside and outside of the home. An extensive report is then compiled and insurance representatives meet with the homeowner to ensure that the property has been adequately detailed.
Not only do homeowners with high net worth need to be concerned about adequate coverage, but business owners must also pay close attention to their insurance needs. Commercial properties are subject to the same, if not greater risks such as crime, equipment breakdown, fire, and floods.
It is also essential that high value homeowners carry suitable liability insurance. Affluent homeowners are more prone to lawsuits and expensive legal charges and must be prepared to weather decisions against them in such situations.
If you are seeking high end insurance coverage for your home and/or business, contact us at Scottsdale Insurance Home.
Agent James Hansen and his staff will assist you in evaluating and obtaining the most suitable coverage for all your high end assets.
Scottsdale Insurance Home
(480) 712-0400
20875 N. Pima Rd
Scottsdale, AZ 85255
Insurance in Scottsdale AZ is not about standard policies
Do you still have a standard Scottsdale insurance policies? You’ve left those behind as you progressed in your career: the new home, a couple of high-performance cars and a collection of jewelry and antiques you and your wife hold dearly.
For sure, the pleasures associated with affording the things you want need a special portfolio of insurance policies. Foremost in your mind, is a high-end insurance agent who understands your station in life and the risks you need to insure—poor service is not something you’d expect, or put up with; too, your agent and the company’s he represents, must understand the appraisal market: you simply can’t be left underinsured.
Nor do you want to hassle over ridiculously high rates from the company he represents…or unreasonable clauses that could leave you high and dry.
To make the choice easy for you, you’d like to work with an insurance professional who, quite frankly, makes a living giving personal service to high-end clients in with insurers who are financially strong.
Family security and asset protection is what Insurance in Scottsdale AZ is all about. They will provide the advice and recommendations you need for contents and valuables.
It’s comforting to know that all of your coverage can be coordinated within a single insurance program to cover:
- Mid –to-High value homes and condominiums with unique features
- Vacation and secondary residences
- Multiple cars and drivers
- Fine art, antiques, jewelry and collectibles
- Pleasure boats and yachts
- Costly liability suits
Let Scottsdale Home Insurance start to work protecting your home and valuable possessions today. Contact us for complete coverage.
Scottsdale Insurance Home
(480) 712-0400
20875 N. Pima Rd
Scottsdale, AZ 85255
Scottsdale Home Insurance is Not A Grocery Item
We were struck recently by a couple of stories in the news about retail outlets selling insurance.
One was a story from insurance capital Hartford, Conn., about the healthcare giant Aetna striking a deal to sell its insurance products in Costco stores.
It will sell the plans in its home state of Connecticut and in Illinois, Texas, Michigan, Virginia, Georgia, Arizona, Pennsylvania and Nevada. Aetna said it plans to expand the plan to more states later in 2012. Costco Wholesale Corp. operates 601 warehouse club stores, including 434 in the United States and Puerto Rico, making it one of the two largest players in its sector of the retail industry.
It’s a bit hard to imagine picking up health insurance the way you’d pick up a giant bag of M&Ms, a 12-pack of chicken stock and a few free samples, but for some people that’s probably OK.
The second story came from Florida, where Blue Cross has opened up some retail outlets selling their own brand of insurance in those physical locations.
“Why did Apple decide to open stores, when they could sell everything they sell online?” asks Patrick Geraghty, CEO of Florida Blue Cross Blue Shield. “There’s an experience attached to it. It puts a face on the organization.”
That’s fine for them, and for Apple, to sell just that one product, and we agree with the idea of having a physical place to come into to talk about insurance needs, but we don’t think only having one brand to sell is the way to go.
That’s why we offer a range of products from a wide variety of providers for Auto, Home, Life and more. Outside of Apple, why go to a store that only has one brand?
So, if you need Scottsdale Home Insurance, please check us out online, or call or come on down to our location. We don’t have those cool long tables like they have at the Apple stores, but we do have the best insurance policies and best insurance Agents.
Scottsdale Insurance Home
(480) 712-0400
20875 N. Pima Rd
Scottsdale, AZ 85255
Insurance in Scottsdale AZ for your Umbrella Policy
You’ve worked hard during your career to provide for your family— who can put a price on the extra hours away from home…the meetings and proposals you put together; time spent away from home and family.
Now, you’ve been able to provide those extras to make your home, well, the home you’ve always wanted; the place your kids love to bring friends to after school. Or, time spent just with the wife and kids around the pool on a warm summer’s evening.
Protecting the things that matter in your life is what an umbrella insurance policy is all about: it reaches out to make sure the unexpected—the undreamed of—events won’t impact you financially.
Currently, you’re Scottsdale AZ homeowner’s insurance policy is providing the excellent primary coverage you’d expect for:
- Property coverage: helps protect your home and possessions against the list of potential damage, such as fire, lightening, windstorms, hail, explosions, riots, aircraft damage, smoke vandalism…and more.
- Supplementary property coverage: events such as collapse, debris, removal, inflation, pollution cleanup…and more.
- Liability coverage: compensates up to the policy limit for liability for bodily injury, property damage or medical expenses due to a covered accident—sports activities, acts of pets, or even acts from unpaid volunteer activities.
So, what’s the umbrella coverage all about?
To start with, consider the ‘liability’ out there with your swimming pool and neighbors using it—tough to think about, but something can always happen.
Your Scottsdale AZ umbrella insurance policy affords protection in areas like:
Personal injury protection: coverage if you’re sued for libel, slander, humiliation, defamation of character, to name a few.
Loss assessments: up to $100,000 your covered for any claims against you as an owner or tenant of your residence by a corporation or even an association of property owners.
Worldwide protection: personal liability protection for events anywhere in the world—includes renting or borrowing cars outside the U.S.
Non-owned watercraft: liability protection for bodily injury and property damage covered by the policy
Be sure to protect what you’ve worked so hard to attain. Find out about our comphrensive products for Home Insurance in Scottsdale AZ.