Tucson, AZ is an attractive place to live for many reasons; great weather, low cost of living, and the beautiful Sonoran Desert. If you live in Tucson or are planning to move here and buy a home, you will need to have home owner’s insurance. We’ve put together a few tips to help you get started when buying home insurance in Tucson.
1. Compare Policies
Not all home owner policies are the same. There can be slight differences or even big differences in coverage and cost. An insurance agent can help you compare different policies to make sure you get the best coverage for your Tucson AZ home.
2. Bundle Insurance Coverage
If you already have auto insurance with an insurance agency, you may want to ask them about bundling your home owner’s insurance and auto insurance. This can save you money on your payments.
3. Choose a Reputable Insurance Agent
When it comes time to buy a home insurance policy for your home in Tucson, AZ, you will want to work with a reputable insurance agent that has a proven track record of customer satisfaction and overall expertise. When deciding to work with an agent, feel free to ask for references.
At the Shaner Insurance Group Inc. our trusted, friendly and reputable insurance agents can help you find the best home owner’s insurance policy for your home. We will help you compare policies and look any discounts you may be eligible for, such as bundling insurance policies under the same insurance company. To reach an experienced insurance agent at the Shaner Insurance Group Inc. call us at 520-333-6224.
Have a new car? Are you thinking you have to park over three parking spaces when you go shopping? Contact us and relax! Our independent agents have the latest research available to provide you with insurance coverage that will make you feel confident about your new car. Here at Shaner Insurance Group Inc.,high end our specialty is thorough access to the most up-to-date insurance coverage and rates that are available for you in the Tucson, AZ area. Visit us and discuss your options because you might discover discounted package coverage that is a better deal than what you pay now.
New cars have different insurance rates than cars that have been paid off, but it might not be in the way you’d expect. A new car is in peak condition with the latest in safety technology and so rates may be affected by that. A new car could be more costly in an accident and that also needs to be taken into consideration. We can help you sort out the auto insurance- that’s our job.
We are proud to serve the Tucson, AZ area, and we understand new-car anxiety. It doesn’t matter if you high-end sports car or you just need four wheels and a blanket for your dog to sit on. Auto insurance coverage doesn’t have to break your budget or add to your worries. Visit Shaner Insurance Group Inc. and find out how safe your car is in that parking lot. You might be surprised to learn that it’s wiser to park normally in a parking space rather than make your car stand out. While it’s not usually illegal to use two spaces, it may expose your vehicle to the venom of a passerby. Just a thought.
If you are building a new home, there are many factors to take into consideration. For starters, you will need to determine how much square footage you need for you and your family to live comfortably in the home, which of course means you need to consider how many people will be living in the house. If it is just you and your significant other or one child, then a home anywhere from 900 to 1,400 square feet will be plenty. If, however, if it is you and your spouse and two or more children, then a home 1,400+ square feet will be good.
In regards to how many bedrooms the home needs, well, you, of course, will need one for yourself and spouse (significant other), as well as at least one for every two two children. For example, if you and your spouse have five children, then you will need one bedroom for you and your spouse, and three for the children, for a total of four bedrooms total. If you prefer, you can fit three children comfortably into a bedroom if it is a larger room. Also, the use of bunk beds in a bedroom can also help make more space for more children.
Having adequate space in the bedroom is of the utmost importance because it ensures you and your family have lots of room to rest and get ready for the day. The bedroom is an important part of the home because it’s where you talk about your day, prepare for the night, and sleep.
To learn more about homes and home insurance, contact Shaner Insurance Group Inc. serving the Tucson, AZ area.
Legislation changes occasionally when it comes to insurance laws, and keeping up with any changes is important to make sure you have all the coverage you desire. Changes can happen anytime, but when there is a transition of political power, the changes in policy are more common. Here is what you need to know in 2017 to make sure you are fully protected by your insurance. If you have any questions or are ready for a quote, the experts at Shaner Insurance Group Inc. serve the Tucson, AZ area.
According to The Arizona Department of Insurance, most of the changes to insurance policy have occurred and will occur to health insurance policies. Home insurance laws for 2017 will remain similar to what they were the previous years.
This being said, you should research your personal policy to make sure that you do not need to make any changes in 2017 due to changes in your life, home, or even weather predictions. Insurance should be the thing that you can purchase and forget, however it is a good idea to update your policy to make sure it is suited to your needs each year. It is also wise to stay on top of any legislation that may impact your insurance policy for home, car, life, or health. You can still purchase insurance and "forget it" till you need it but when it comes time to renew, do your due diligence.
Contact us at Shaner Insurance Group Inc. to discuss all of your insurance needs and to receive a quote for Tucson, AZ and the surrounding areas.
In Tucson, AZ, the agents of Shaner Insurance Group Inc. can offer advice on what to do at the scene of a vehicle accident. When an accident occurs, the scene can get crazy. One of the first things to do at the scene of an accident is to make sure everyone involved is uninjured. If a person is injured in any way, they should be attended to immediately. It is also important to secure the area so that another accident does not occur. Calling the police and sending for an ambulance is the first phone call that should be made.
When it comes to exchanging personal information, make sure to get the other person’s full name, address, insurance policy number, and the name of their insurance carrier. It is also a good idea to get the license plates of all of the vehicles involved, even if they do not have any visible damage. Taking photographs is also beneficial because it provides actual, accurate evidence to help investigators determine the cause of the accident.
Tucson, AZ, contact the agents of Shaner Insurance Group Inc. to find out what to do after an accident. It is important to protect yourself and your property. Knowing what to do when an accident helps to ensure that you are fully protected. Keep a list of the information you will need to collect from others who are involved in the accident. Never leave the scene of an accident without exchanging information and taking photographs of the scene. This is always for your protection and will ensure you are compensated fairly.
Performing maintenance on your home to keep it in good condition is an important part of home ownership. There are maintenance items that should be done on a biannual basis in order to reduce deterioration to the home. If you allow the home to deteriorate then you increase the likelihood that damage will occur and you will have to make a claim against your homeowner’s policy.
Cleaning Your Gutters
Having your gutters cleaned by a professional company is crucial to protecting your roof as well as your home. Clogged gutters lead to water damage on your roof and on the side of your home. In addition, accumulation of water can become a breeding ground for mosquitoes. Many gutter companies off a bi-annual service contract so you will not even have to think about it.
Roof Inspection and Repairs
You should inspect your roof in the fall and the spring and repair any damage. Making sure your roof is in good condition will reduce the likelihood of water damage in the attic. Water damage in the attic can greatly affect the way your home stays warm in the winter and cool in the summer. In Tucson, AZ we all know how important it is to properly cool ones home in the summer. You want to inspect for missing or curled shingles and have them replaced or repaired accordingly.
Check Your Washing Machine
Your insurance agent at Shaner Insurance Group Inc. will tell you, an overflowing washing machine can lead to major water damage claims under your policy. Twice a year your should check your machine’s hose connections to make sure they are secure.
If you would like more home maintenance tips, please reach out to Shaner Insurance Group Inc. for additional information. We proudly serve the Tucson, AZ area.
Tucson, AZ feels like you’re living right on the surface of the sun sometimes. It’s a beautiful city, but it’s not much of a walking town. If you want to get around Tucson, you’re going to want to drive a car of your own. The spread out nature of desert towns combined with the blistering sun means that you don’t really want to spend a lot of time out in the elements if you don’t have to.
But, being inside a nice air conditioned car doesn’t mean that the sun can’t do any damage at all, it only means that you’re less likely to get a sunburn. Your car will still suffer the extreme rays of Arizona’s sun.
There are protective clear coats you can get that will help your paint job to withstand harsher sunlight, but this will fade over time without proper upkeep. If the problem is allowed to persist, you wind up with the paint fading and even cracking and chipping away, like those old wrecks you see on the side of the road along Route 66. This can lead to rust, and you might wind up putting in a claim through Shaner Insurance Group Inc. when the damage gets severe enough. Here are a few ways to help you combat the sun’s effects on your car:
- Use a lighter paint. Baby blue, white or silver will reflect the sun’s rays. Dark reds and black, not so much.
- Park in the shade when you can, and use a cover to keep your car cool when you’re going to be leaving it parked in one spot for awhile.
- Wax your car regularly.
- Invest in one of those fold-out deflectors for your windshield to keep your interior from cracking to bits.
Shaner Insurance Group Inc. can help you to deal with the unforeseen. Your job is to protect your car against the foreseeable in Tucson, AZ.
In Arizona, you have beautiful weather for most of the year. Tucson AZ does experience a bit more rain than other portions of the state due to the mountain alignments, and monsoon season can cause some issues, especially if you need to travel through common flood areas. While this can impact your home, it may also affect your vehicle. At Shaner Insurance Group Inc. we are here to assist you in finding the right auto insurance policy. Here are a few different add-ons to consider when it comes to protecting your car.
Sometimes you owe more money on a vehicle than what it is worth. Perhaps you buy a five-year-old truck with only 10,000 miles on it. You may pay more than what it is worth simply because you’re getting a new car for less. However, if it is totaled you probably won’t get what you paid for it. Gap insurance prevents this from happening.
The thing about Arizona is the great distances between cities. If you’re driving to Phoenix, you’ll often be miles between cities. With roadside assistance, you can have someone drive to you, tow you or help you out with your issue.
Protect Vehicle Additions
Perhaps you lifted your vehicle, adding a brush gate or something else to your vehicle. You want to protect this but as it is an add on the traditional insurance may not cover it. Vehicle additions could be the right option for you.
These are just a few of the different auto insurance options to consider. At Shaner Insurance Group Inc. we can help you, whether you live in Tucson AZ, Oro Valley or the surrounding community. As every driver is different, we can help locate optimal options for you and your vehicle.
Sometimes papers accumulate in a house, and they aren’t seen for many years. Or information and documents will sit in a computer file without ever being opened. If your home insurance policy is one of your personal examples of this phenomena, though, then Shaner Insurance Group Inc. wants you to have another look.
1. Coverage Is Fluid
If you’ve made any updates to your home in Tucson, AZ in the recent past, including renovations or installations, then it may not be covered under your current policy. You need to keep an eye on what’s changed to your home if you want to keep what you have.
2. It’s What’s Inside that Counts
Your possessions should be covered. so a brand-new laptop purchase may warrant a call to your insurance company. Once the value of your possessions goes up, so too does your home and subsequently, your home insurance.
3. Things Come Up
When your dog bites the mailman, do you know if you’re covered under your particular home insurance? Chances are, you have no idea. There are a number of events to prepare against, which should be a convincing reason to potentially update.
4. You Want to Stay in Control
You can never really control everything, but home insurance means that you have resources beyond the good will of the people you know. It will be much easier to lean on them for emotional support when you don’t have finances getting in the way.
5. It’s the Company You Keep
Shaner Insurance Group Inc. helps the people of Tucson, AZ when they have questions about their coverage, or are looking to get a better policy. Give us a call today if you’re wondering what you should be preparing for to keep you out of harm’s way.
When it comes to keeping your home safe, there is no denying that safety is of the utmost importance if you have children living with you. With or without children, though, keeping your home safe should still be a top priority. Fortunately, there are several ways to keep your home safe. Let’s take a quick look at 3 safety features all homes need.
1) Add a security system
Whether you live out in the boonies or right in the middle of town, having a home security system installed is a great choice to make. And thankfully, home security systems are not nearly as expensive as they used to be. In fact, with the right technology and software, you can build your own home security system with no need for paying a monthly service charge. You can even set the system up so that it contacts 911 in the case of an emergency.
2) Non-slip rugs and mats
If your home has hardwood floors, then you undoubtedly know how slick they can be, especially if you have wet feet or shoes. By placing non-slip rugs and mats throughout your home, though, you can significantly improve the home’s safety. These rugs and mats are particularly beneficial in bathrooms, the kitchen, and in your utility room where the washer and dryer are.
If you have stairs in your home — even if it is just a small staircase leading up to your front door — you need to make sure you have handrails installed. Having something to hold on to when going up and down the stairs will greatly improve the safety.
To learn more about home safety and home insurance, contact Shaner Insurance Group Inc. serving the Tucson, AZ area.