Click to Call
Insurancewide Company, LLC

5901 W Indian School Rd
Suite 4
Phoenix, AZ 85033

Get Directions

-

Why Auto Insurance Is An Asset

To many, it’s easy to talk about the reasons why they have an auto insurance policy. Reasons like the policy being a requirement in the state they live in or their lenders make it mandatory for them to carry the insurance. But do you know that having car insurance is a good investment for your family and yourself? Well, at Insurancewide Company LLC, we’ve broken down some numerous benefits of having a car insurance policy. Let’s explore.

It offers financial protection

Imagine causing an accident, and you are held liable for injuring someone. Think about the costs associated — legal fees, medical expenses, or even lost income for the injured if they cannot work. Such costs could leave your pockets empty. But with liability coverage, all these costs are sorted out.

It helps you to be compliant with the law

Most states require that you carry car insurance before hitting the road. Without this, you risk heft fines and, worse, losing your license. Car insurance that satisfies your states’ requirements helps you to avoid non-compliance penalties and fines.

It protects your asset/ car

Since your car is valuable, you must protect your asset by having an insurance cover covering your car if it’s damaged due to a collision, strike, or riot. The policy may also cover your vehicle in case of theft or burglary. Without car insurance, be sure to dig dip into your pocket for any repairs or replacements.

Auto insurance in Phoenix, AZ

The benefits of purchasing a car insurance policy outweigh the risk of not having one. With thousands of dollars, you could pay if you caused an accident, auto insurance is worth every penny. 

Are you looking for auto insurance to safeguard you and your car? Look no further than Insurancewide Company LLC. Call us today for an affordable quote.

When should you update your home insurance

Home insurance renews either every six months or once a year. When you get your renewal in the mail or online, it will have a declaration page. This is all the information you need to know about your policy. It tells you whose name it is in, the amount of coverage on the home, the content, and the liability. It also lists the deductible. It’s a good time to consider any updates. At Insurancewide Company LLC in Phoenix, AZ, we are an independent insurance agency that puts the needs of our customers first and foremost. 

When you renew

When your policy is set to renew is an obvious time to make any updates. Some updates will affect your rates. If you decide to raise the amount of your deductible, you can save some money, or you may decide to change the type of content coverage you have. If you change to actual cash value from replacement cost you will cut your costs and if you change the other direction, your premium may go up. 

When you are worth more

You may not even think about your assets and your actual financial worth but as you accumulate more wealth, it is important you increase the liability limits on your policy. The more you are worth, the bigger potential you have for a case against you. 

You make home repairs

How much you pay for home insurance is determined in some part by the age of your roof, your electrical, HVAC, and plumbing. If you replace or update any of these systems, be sure to let your agent know so that they can make the necessary changes. 

Make your home safer

If you add a security system or smoke detectors these are things to let your agent know about. 

Contact Insurancewide Company LLC in Phoenix, AZ when you need home insurance. 

4 Reasons You Motorcycle Insurance in Arizona

Bikers will tell you that it’s 99 percent more fun to ride a bike than drive a car. Not convinced? That’s a story for another day. Today, let’s talk about motorcycle insurance. While there is no doubt bikes are fun, the danger is never far. A simple wrong move and your ride can quickly turn into a nightmare. 

The good thing is that with motorcycle insurance from Insurancewide Company LLC of Phoenix, AZ, you can have peace of mind while on the road. Here are some reasons you should buy motorcycle insurance.

Liability protection

No matter how careful you are on the road, accidents are bound to happen. You could cause an accident causing bodily injury to other road users, or you could cause property damage to third parties. Without motorcycle insurance, you could be faced with financial liabilities that could drain your pockets. 

Asset protection

When you need to play, you have to pay. This adage aptly fits the bike world. Bikes are fun, but you have to pay top dollar to jump on the bandwagon. To this end, you need to purchase proper motorcycle insurance to protect your valuable investment from perils like accidents, fire, theft, vandalism, hurricanes, and much more. 

Medical payments coverage

Unlike a vehicle, bikes don’t give riders adequate protection in case of an accident. Bike accidents, even though minor, can result in significant injuries that are costly to treat. Without health insurance, you could be staring at massive medical costs, denting your pocket. However, if you include medical payment coverage on your motorcycle insurance, you and your passengers’ medical expenses and funeral expenses are well-covered.

Compliance with the law

Just like auto insurance, motorcycle insurance is mandatory in California. Failure to carry motorcycle insurance could result in fines and penalties that include license suspension. 

Do you need motorcycle insurance in Phoenix, AZ? Trust Insurancewide Company LLC for affordable and customizable motorcycle insurance.

Five ways to avoid water damage to your home

Your home is one of your biggest assets. We at Insurancewide Company, LLC in Phoenix, AZ love to prioritize your home insurance needs.

Avoiding Water Damage

Flooding or water seepage can damage your house. A few simple steps can help you avoid or limit water damage.

  1. Keep gutters and downspouts clean: Gutters gather rainwater from your roof and direct them into the downspouts. Together, they help to direct water out and away from the foundation of your house. When gutters are clogged, water spills over and weakens the soil around the house, which over time will lead to water seepage into the foundation walls. Cleaning gutters and downspouts periodically can prevent this costly damage. 
  2. Replace caulking: Check windows and doors for broken or missing caulking. Fill in cracks to avoid water leakage through windows and doors.
  3. Check pipes for leakage: Regularly inspect pipes and drains for leakage. Undetected leaks can cause water to accumulate. 
  4. Inspect appliances that use water: Nothing is more frustrating than running your dishwasher or washing machine before going shopping and returning to find your house filled with water. If you install or move appliances, ensure the inlet and outlet water pipes are connected correctly. Seek professional help if you find a clog in an outlet pipe or water accumulation around an appliance.
  5. Ensure the sump pump works: The sump pump turns on a motor to pump out water in case of flooding inside or outside your house. Make sure that the sump pump is in working condition.

Though you cannot be prepared for everything in life, finding the right insurance gives you one less thing to worry about. At Insurancewide Company, LLC in Phoenix, AZ, we work with you to find the home insurance that is right for you.

Is Umbrella Insurance for Everyone?

Why get extra insurance when you already have your assets protected? This is a question numerous Phoenix, AZ residents struggle with, along with the dilemma of what umbrella insurance covers. Insurancewide Company LLC puts into perspective what this policy is all about and whether you need it.

Defining Umbrella Insurance

Umbrella insurance is a policy that acts as a secondary layer of protection once the liability limit on underlying insurances, such as auto and home insurance, is exhausted. This means that extra expenses related to another person’s injuries, lawsuit claims, and property damage are taken care of under umbrella insurance.

Along with this, an umbrella policy also provides coverage to any family members included in your insurance. If, for instance, your children or spouse cause damage to multiple properties while driving, umbrella insurance covers costs exceeding your auto insurance limit.

Situations Requiring Umbrella Insurance

Typically, some lifestyle factors tend to increase your likelihood of needing umbrella insurance more than other everyday activities. These include:
•    Ownership of pets
•    If you own or rent out a property
•    If you have a vehicle or watercraft, both owned and rented
•    Host family and friends to your premises occasionally
•    If you are a business owner and employ staff

If you check any of the above boxes, then you need an umbrella insurance policy. The above factors are gateways into dog bite lawsuits, wrongful eviction and entry claims, bodily injury claims, and defamation of character trials.

When Does Umbrella Insurance Come In

The first instance where umbrella insurance comes in handy in Phoenix, AZ is when your underlying coverage limits can no longer cover expenses related to damage or liability claims. Rather than let your assets or income pay for the damages in question, umbrella insurance caters to the costs of compensation. If, however, you win your case, your lawyer’s fees are covered by umbrella insurance.

The second instance where umbrella insurance provides relief is when you suffer lawsuit claims not covered in your policy. These include claims related to libel, slander, and false arrest. Additionally, property not insured, such as rental units or boats, will also fall in this category.

While umbrella insurance may seem like an afterthought, it is the secret to keeping your assets secure in unexpected emergencies. Talk to Insurancewide Company LLC to get started on your umbrella insurance journey.

Tip for making sure you home is safe while you are away

Nothing is more important than making sure your home is safe. When you are going to be away, you want to have peace of mind. Knowing your home will be there waiting for you when you return makes it easier to go away and enjoy yourself. A few easy steps can make sure you can go away and not lose a minute of sleep worrying about what is going on at home. At Insurancewide Company LLC in Phoenix, AZ, we have the experience to help our customers find the perfect home insurance. 

Stop mail delivery

You can go onto the USPS website and sign up and fill out the Hold Mail Form. Always stop your mail a day or two before you are actually leaving to make sure your mail person got the message. 

Have your lights set on a timer

One way to make your home safer is to make it appear to be occupied. It is simpler today with smart homes to make sure lights turn off and on in a random pattern. If you don’t have a smart home, you can buy timers for individual lights. 

Set your home alarm

If you have an alarm system, it goes without saying it should be armed when you are away. If it is a monitored system, make them aware you will be away and the dates.

Talk to a trusted neighbor.

Your neighbors are your first line of defense when it comes to protecting your home. Especially one who walks the neighborhood daily will notice anything unusual and if they know you are away can report it to the police. 

Don’t announce you are away on social media.

Don’t post pictures from your vacation until you return. You never know who has access to your social media. Talking about being away is like inviting a break-in.

Contact Insurancewide Company LLC in Phoenix, AZ with all your insurance needs. 

Things To Consider When Shopping For Auto Insurance

In Arizona, it is required to have auto insurance, and driving without it is considered illegal. Choosing the right auto insurance policy may be quite complicated, especially if you have never purchased auto insurance before. To help you make the right choice, Insurancewide Company LLC, serving clients in Phoenix, AZ, has prepared a list of things you should consider when shopping for car insurance: 

  • Coverage. It would help if you decided how much coverage you want to buy. Many car owners purchase the state’s minimum amount of coverage because it lets them save money. However, it is important to understand that the minimum coverage is not enough in most cases, and in case of an accident, you will have to pay a lot out of pocket. 
  • Payment option. Instead of paying annually, many people decide to pay for their insurance in monthly installments. It would be best if you chose your payment plan depending on your budget and current financial situation. Most insurance companies offer discounts if you decide to pay annually or every six months. 
  • Information that you provide. It is important to understand that giving made-up information may help you save a few dollars, but it is a serious risk. If you get caught, you will most likely face severe punishment. Therefore, make sure that you provide your insurance company only with factual information only. 

If you are currently shopping for auto insurance and looking for a trustworthy insurance agency in Phoenix, AZ that can help you with that, Insurancewide Company LLC is a great choice. Our qualified and knowledgeable insurance agents are ready to answer all your questions and help you find an insurance plan based on your needs and budget. Do not hesitate to visit our website or give us a call for more information. 

Three things to know before you purchase commercial insurance

Purchasing commercial insurance is one of the most important investments you’ll make as a business owner. We can help you meet your commercial insurance needs at Insurancewide Company, LLC. 

The following are three things to know before you purchase commercial insurance in Phoenix, AZ.

What your risks are

Commercial insurance is meant to protect your company against financial risks. As such, you need to know what these risks are before you purchase a policy. 

Your risks are determined mostly by what industry you work in. What types of expenses and damages is your company likely to face? You need to know this before you purchase a policy. 

The types of coverage you need

There are a variety of different types of commercial insurance coverage available. Among them are general business liability coverage, errors and omissions coverage, commercial property coverage, and commercial auto coverage.

You’ll need to decide which types of coverage are necessary for your company. For this, you need to know what all the different types of commercial coverage are.

The companies offering commercial coverage in your area

Once you know what types of coverage and how much coverage you need, it’s time to determine which providers are offering coverage in your area. Then, you can get quotes on policies from various providers.

Quotes from different providers allow you to compare your options. You want to choose the commercial insurance option that is most cost-effective. You also want to choose a policy you can rely on to pull through for your company when you need to file a claim. 

It would help if you did your research before purchasing a commercial insurance policy in Phoenix, AZ. We can help at Insurancewide Company, LLC. Get in touch with us online or by phone to learn more. 

When was the last time you updated your home insurance? Give us a call today!

When was the last time you updated your home insurance? Give us a call today!

We often take the important things in our life for granted. Especially as we rush through the day and juggle a complex set of responsibilities. Before we can turn around, our weeks have become months, and the years seem to roll past us at a relentless pace.  

It may seem like you did this yesterday, but your calendar is moving at warp speed, so it could be time for you to review and update your home insurance policy. You have probably incrementally added some valuable household items since your last policy was established without realizing it. Or perhaps, you have completed some major improvements to your home’s exterior. Additionally, here in Phoenix, AZ, you may be surprised when you discover that the property value of your home has increased.

At Insurancewide Company, LLC, we have a team of agents dedicated to helping you with all your insurance needs. Whether you are a new, first-time homeowner or an established owner, there is no time like the present to give us a call! An updated home insurance policy will give you a sense of security while diminishing the stress in your life. Don’t wait — we are ready to assist you with all your insurance needs.  

In Phoenix, AZ, Insurancewide Company, LLC is a dedicated provider of quality insurance at great prices. Let our team of agents help you be prepared — especially if life delivers a few unexpected twists or turns. Your home insurance policy can give you financial security while enhancing the quality of your life. Our team is ready to provide you with more information and helpful details. Visit our website or give us a call today to learn more about a policy. 

  • Allied
  • Berkshire Hathaway Homestate Companies
  • Chubb
  • Clearcover
  • Foremost
  • Guard
  • Kemper
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Progressive
  • Safeco
  • Stillwater
states-icon

Servicing States

  • Arizona
  • California
  • Washington
  • Utah
  • Texas
  • Idaho
testimonials-icon

Testimonials

quote-icon Comparing Quotes - Made Simple

Compare your unique insurance quotes
online via our comparative quoting form.

Get Started Today!

Get A Quote!