Personal Insurance Lines

There are around 100,000 car accidents a year in Arizona, with more than half of those resulting in injuries. It’s critical to consider the risks you face on the road on a daily basis and carry a safe level of coverage. Our agents will help you find the best option and rates for your needs for coverage like:

• Liability
• Comprehensive/Collision
• Personal Injury Protection
• Uninsured/Underinsured Motorist
• Medical Payments

Are you prepared to deal with a serious loss like theft, vandalism, severe weather, or flooding? There are plenty of unanticipated events that could leave you with heavy financial consequences without the right protection in place. Basic homeowners insurance should provide coverage for the following:

• Damage to House
• Other Structures
• Personal Property
• Additional Living Expense
• Comprehensive Personal Liability
• Medical Expenses

Are you one of the 35 million Americans without life insurance? Nobody ever anticipates a tragedy happening to them, but unfortunately it does happen. With a life insurance policy in place, you’ll be able to provide financial security for your loved ones in case something happens to you. We’re dedicated to helping you find the right policy for your family, but the two main options are: 

• Term life insurance - Predictable, steady monthly payments over a defined period of time with a specified payout amount. 
• ‍Whole life insurance - Protection that stays with you for life as long as you pay the premium. The policy can build equity over time and have cash value.

According to statistics from FEMA, your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage compared to just 9% for a fire. Are you adequately covered? Most homeowners policies don’t cover flood insurance, so this protection must be secured separately.

Though some renters may think they are protected by their landlord’s property insurance, unfortunately that’s just not true. Without renters insurance, you can be liable for damages to your own belongings or people injured while visiting you. Luckily, a renters policy is extremely affordable, and will provide the peace of mind you deserve while renting a home, condo, or apartment.

Driving a motorcycle is inherently more dangerous than other automobiles, with a higher risk of getting into an accident. If you own a motorcycle, it’s imperative to carry motorcycle insurance to protect yourself.

Arizona has plenty of beautiful lakes for boat and watercraft owners to enjoy. As fun as boating can be, it carries more risks than being on land. Accidents are not uncommon. Watercraft insurance will protect you from damage in an accident or theft. In the case someone gets injured, It can also cover some medical expenses.

As the owner of a rental property, you face unique risks and responsibilities. From accidents and natural disasters to neglectful tenants, it’s crucial to protect your real estate asset from any potential situation. We understand the importance of protecting you as a landlord, and can assist you in building a policy that adequately provides the level of protection you need.