Is it Wise to Buy Life Insurance at a Young Age?

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There are more than a few benefits to be gained when you invest in life insurance in Tucson, AZ. And it is imperative to keep in mind that the younger you are when a life insurance policy is purchased, the lower your rate will be, meaning you can get a larger policy for a lower price. In fact, you should think about investing in life insurance for your children right after they are born. You can lock in an extremely low rate that your children can then continue to pay once they are over the age of 18. Or if you prefer, you can continue to pay for the policy for them and they can purchase a policy for their children when they have them. Here’s an overview of life insurance and why it is so important to purchase it as soon as possible. 

Importance of life insurance

You never know what curve balls life is going to throw your way. A life insurance policy can help provide you with peace of mind in knowing your family and loved ones will be taken care of financially in the event that you become deceased. 

Life Insurance can be Expensive

Yes, life insurance can be very expensive, especially if you wait until waiter in life to purchase it. This is why you should invest in a policy as soon as possible, both for you and your children. Remember, the younger they are when you get them the policy, the more money you will be able to save in regards to the premium rate. 

To learn more about life insurance, contact Shaner Insurance Group Inc. serving your local area today.

Does Motorcycle Insurance Cover Medical Bills?

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Motorcycles are a great way to get around, they let you get a breath of fresh air, help you save gas, and are just plain fun to ride. For those that do own a motorcycle, you know that insurance is a must to be both safe and legal when out on the road. That being said, it is helpful to know just what motorcycle insurance covers should you be involved in an accident. For those that live in the Tucson, AZ area, the agents with Shaner Insurance Group Inc. can help you find the policy that fits.

So the real question is, does motorcycle insurance cover injury and medical bills associated with injury? The short answer is yes. Motorcycle insurance, much like car insurance, helps to cover both the medical bills of the other driver as well as your own medical bills should you be injured in an accident. This is to help make sure that you are safe while on the road and that you are not going to be left with a huge medical bill that you cannot pay should you be in an accident.

As with car insurance, you can opt for more coverage if you want but basic coverage does help pay for some medical bills. For those that do ride every day, it may be beneficial to find a larger policy that does cover a larger medical bill amount just in case you do get into a very serious accident. Most policies are going to cover around $10,000 in medical bills.

For those that live in the Tucson, AZ area, the agents with Shaner Insurance Group Inc. can help you find the policy and the amount of coverage that you need to be safe and secure when you do set out.  

Protecting Your Pontoon Boat

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Pontoon boats are the perfect way to enjoy time on the water with friends and family. These luxury watercrafts can be customized to give you the space and amenities you need to make your next aquatic vacation unforgettable.

Keep your property and passengers safe by purchasing a comprehensive insurance package for your pontoon boat.

Insurance Policies for Pontoon Boats

Insurance policies for pontoon boats and other recreational watercraft usually cover three important areas.

  • Medical payments. If your riverboat party goes awry and someone gets hurt, your insurance will make payments for their medical treatment. You choose the amount of coverage desired.
  • Loss. Your homeowner’s policy probably won’t cover the full value of your boat if stolen while on your personal property. Storage facilities have insurance coverage, but it may not fully repay for the loss of your stored pontoon. A personal policy ensures that you can replace your boat in case of accident or loss while in use or storage.
  • Repairs. Whether damage occurs while transporting your pontoon to the lake or you run afoul of another craft on the waters, your boat insurance will cover your asset.

Depending on the value of your boat and how often you use it, you may need additions to your policy. The Shaner Insurance Group Inc. serves the Tucson, AZ area, and can customize your watercraft insurance to provide just the coverage you need.

Reduce What You Pay to Play

  • You may qualify for discounted premiums by taking boating classes and installing certain safety features.
  • Many insurance companies offer a “lay-up” period. When your boat is not in use, or laid up, your premiums are reduced.
  • Make sure you have the right policy. Different watercrafts require different levels of coverage.

The insurance experts at the Shaner Insurance Group Inc. can customize policies to protect your property in the Tucson, AZ area. Let us know how we can help you today!