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5253 E Brown Road, Suite 105
Mesa, AZ 85205

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Can You Insure a Motorhome For Full-Time Living?

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The Morrow Insurance Agency collaborates directly with homeowners in Mesa, AZ, to provide robust policies that make sense. For instance, we can assist full-time motorhome owners like you in finding a level of protection that fits your specific needs. Let’s dive right in!

Living in a Motorhome Requires Specialized Insurance

Moving into a motorhome isn’t a bad option if you’re retiring or simply looking to downsize your living expenses. However, you now need to treat this vehicle like a real home: insurance is essential. You can’t insure it like a vehicle; you need high-quality full-time motorhome insurance.

These policies treat your vehicle like a home and expand your protection. While this might seem a little daunting to some, it’s actually pretty straightforward and a great way to protect your new residence.

Protection You Can Anticipate With Full-Time Coverage

Your policy will offer you:

  • Personal liability protection that covers you if you’re at fault while driving your vehicle
  • Extra liability that helps you if someone gets hurt while in or around your RV
  • Personal belongings coverage that replaces anything in your motorhome that gets damaged
  • Medical payments to others injured near your vehicle (even if you don’t cause it)
  • Collision and comprehensive protection that reduces your potential for loss
  • Roadside assistance to get your motorhome running again
  • Total loss replacement if your RV gets completely destroyed in a crash or fire
  • Gap insurance to protect you against potential areas your policy doesn’t otherwise cover

We’re Here for You!

The Morrow Insurance Agency can help you find full-time motorhome insurance in Mesa, AZ, that protects your investment. After all, you deserve a home that feels protected and safe from all harm. Thankfully, we can connect you with multiple insurers to ensure you get the support you need.

Update Your RV Insurance before You Update Your RV Travel Plans

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Whether heading to the local RV park or embarking on a cross-country family road trip, any time is a good time to take the RV out. Whether across town, country, or in your garage, RV insurance is how RV owners in and around the beautiful Mesa, AZ area protect their mobile homes on wheels. That’s why so many RV owners rely on the professional and friendly team at The Morrow Insurance Agency for all their RV insurance needs and the protection they need for their RVs, whether at home or away.

Secure Your RV Travel Plans with the Right RV Insurance

From movies based around family fun RV adventures to the excitement and fun that RVs conjure, there’s something special about our recreational vehicles. That’s why, when it comes to insuring our RVs, it’s also about ensuring our RV plans, vacations, and all the memories yet to be made. At The Morrow Insurance Agency, we understand how much your RV means to you and the considerable investment it represents. We’re here to help you insure your RV and ensure all your travel plans, too. So, before your next RV outing, remember to update your RV insurance and protect every mile of your trip with the right RV insurance solutions.

RV Insurance Solutions for Mesa, AZ Area RV Owners

If you’re an RV owner in or around the Mesa, AZ area and want to learn more about RV insurance or need protection for your beloved recreational vehicle, we can help. Contact us for your RV insurance solutions and schedule an appointment for the coverage and protection you and your RV need and deserve at The Morrow Insurance Agency today. For every mile of your next RV adventure, RV insurance has you covered, near or far.

How Motorcycle Riding Experience Influences Insurance Premiums

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Consumer Affairs reports that as of 2023, there were 8.8 million registered motorcyclists, which is 3% of registered vehicles in the U.S., yet they accounted for 15% of fatalities. In Arizona, the Department of Transportation reports that motorcycle crashes and deaths rose in 2023, which encourages insurance providers to charge high premiums for motorcycle insurance. Are experienced, careful riders dealt the same fate?

Do Riding Experience Affect Insurance Premiums?

Motorcyclists with years of riding experience pay lower premiums than inexperienced riders. While teens and young riders naturally pay a higher premium than older adults, it’s not always about age. Older adults who are new riders pay high premiums due to inexperience. At The Morrow Insurance Agency, we want to see at least 2 to 5 years of good driving habits before we decide to lower rates.

The Reasons Behind The Rise

When we look at the statistics of motorcycle accidents in Mesa, AZ, we see that teens and young adults cause more of them than older adults. Teenagers usually ride to impress their friends or see how fast they can go. Older adults use motorcycles as transportation, hence the careful driving. The number rises again at elderly age as vision and reaction reflexes wane.

Duration is another reason. If the reason you ride is daily commutes, you’re more likely to be in an accident than someone who drives occasionally on the weekends. Additionally, you’re more likely to get into an accident traveling long distances than on brief trips.

Your driving record is the last reason. Speeding tickets, traffic violations, accidents, and poor lane filtering habits increase your rates.

The insurance company sets your rates based on your riding habits. Safer drivers receive lower rates. If you feel the need for speed, resist. Call or visit The Morrow Insurance Agency in Mesa, AZ, to secure the best value on motorcycle insurance.

Why is insurance important for custom boats?

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Custom boat owners take pride in showcasing the unique features they’ve added to a standard boat. Many of these owners also enjoy full use of the ship but must ensure they have ample insurance coverage to address the risks and responsibilities of owning this type of boat.

One primary consideration is that unique additions to custom boats in Mesa, AZ, can significantly increase their value, especially when specialized equipment is added. This investment requires considering the cost of making repairs or replacing expensive components.

Customized Coverage

A standard boat insurance policy is unlikely to cover custom hull designs or enhanced equipment. Because of the cost of these items, boat owners should consider custom boat insurance even if they only upgrade the interior or add a state-of-the-art navigation system.

Reviewing a custom boat policy to ensure it provides adequate coverage means examining the deductible and coverage limits. This includes reviewing what types of events are covered. Some common coverages include theft, vandalism, natural disasters, and accidents.

Custom boats also need ample liability coverage. Minimizing coverage isn’t a good idea because custom boat owners may attend events with others. This means they need increased coverage in case of a crash with another custom boat.

Finally, if the boat will be displayed, liability coverage should cover people who get onto it. However, some standard boat insurance policies don’t cover situations like people getting into the boat at a boat show, so it’s critical to discuss how a custom boat is used with one of our agents at The Morrow Insurance Agency. They can assist Mesa, AZ, residents with finding optimal custom boat coverage.

Cover All Your Coverage Doubts with Umbrella Insurance

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Nobody ever wants to experience an auto accident or find themselves in a house fire where they must rely on insurance. However, people who have ever needed insurance at times like these are always happy they have insurance when they need it. The good news is that, in many cases, standard policies like auto and home insurance are enough. The bad news is, sometimes, they are not. That is also why people from in and around the greater Mesa, AZ area turn to the professional and friendly team at The Morrow Insurance Agency for all their umbrella insurance questions and needs.

Cover All Your Coverage Doubts with Umbrella Insurance

The entire goal of insurance is to have the help, coverage, and protection you need when you need it most. Unfortunately, the damage caused by accidents and other unplanned events often exceeds the coverage of those standard or typical policies. That is also where the importance of umbrella insurance makes a difference, as well as how you can cover all your coverage questions. If you have questions about your coverage limits or want to improve your coverage, umbrella insurance could be the solution.

Find Umbrella Insurance Solutions in Mesa, AZ

Do you live in Mesa, AZ, or the surrounding area? Do you have an auto or home insurance policy or coverage for other types of assets? If you have questions about your coverage and want to learn more about how an umbrella insurance policy could benefit you, we can help. At The Morrow Insurance Agency, our team will take the time to assess your coverage and help identify any areas where additional coverage might be advised. Contact us to find out more and schedule an appointment today for the protection and coverage the umbrella can offer at The Morrow Insurance Agency.

Does Condo Insurance Cover the Structure?

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When you’re buying a condo, you may be required by your Homeowners Association (HOA) to get condo insurance. Even if you aren’t, condo insurance can help you protect yourself from financial liability if a covered event occurs. Condo insurance can pay to repair or replace your property when a range of covered events occur.

The insurance agents at The Morrow Insurance Agency, servicing Mesa, AZ, can answer your questions about condo insurance, including what’s covered and what isn’t. Below, we’ve listed what you need to know about condo insurance.

Understanding Condo Insurance

Condo insurance helps protect against repair costs in a condo. It’s very similar to home insurance, but it’s specifically designed for condo owners.

What Does Condo Insurance Cover?

Condo insurance covers many of the same types of events that homeowner insurance covers, including:

  • Fire
  • Smoke
  • Vandalism
  • Theft
  • Lightning strike
  • Wind
  • Accidental discharge of water

Condo coverage will pay to repair or replace your condo’s interior, such as the walls, floors, and personal belongings.

What Doesn’t Condo Insurance Cover?

Condo insurance doesn’t cover damage from earthquakes and floods, and it doesn’t pay to repair the condo’s structure. In other words, condo insurance will only pay to repair or replace the parts of a condo that would normally belong to the insured.

Is Condo Insurance Required?

Condo insurance may be required by your mortgage lender (if you have one) and is often required by HOAs as well.

The Morrow Insurance Agency, servicing Mesa, AZ, can help! We provide condo insurance to help customers recover after a covered event. Call today to speak with one of our agents to learn more about condo insurance.

The Benefits of Defensive Driving

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At The Morrow Insurance Agency, we take pride in serving a growing number of Mesa, AZ drivers with top-notch, affordable auto insurance. Our team can assist you in rate comparisons and exploring various discounts.

Many of our clients ask about savings strategies on their auto insurance costs. The answer isn’t necessarily exciting, but it is tried and tested. It lies in practicing safe driving.

Understanding Defensive Driving

Defensive driving involves heightened awareness and responsiveness to external factors such as other drivers, pedestrians, and changing road conditions.

Increase Anticipation

Defensive driving improves anticipation, equipping drivers to predict potential problems better— for example, guessing whether a pedestrian might dart out between parked cars or if an oncoming vehicle might pull out without signaling.

Reduce Accident Frequency and Severity

Improved anticipation and awareness result in fewer accidents and minimize the impact of unavoidable incidents.

The Value of Defensive Driving Courses

Taking an online defensive driving course can help remove points on a driving record and potentially qualify drivers for a car insurance discount.

Who Can Benefit from Defensive Driving?

Defensive driving benefits everyone, from inexperienced drivers to seasoned motorists. If all drivers adopted these techniques, the roads in and around Mesa, AZ would likely become safer.

Get an Arizona Auto Insurance Quote Today

Acquiring a car insurance quote from The Morrow Insurance Agency in Mesa, AZ is quick and hassle-free. Once you provide some basic information, we can guide you through the process. If you decide to change insurance providers, we can assist you with a seamless transition. Make your next drive a defensive one. It benefits us all.

What to Ask Your Agent When Choosing Classic Car Insurance

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When it comes to classic car insurance, you probably have several inquiries, and discussing these with an agent can help you find answers before deciding on a policy. If you’re located in the Mesa, AZ, area, The Morrow Insurance Agency is here to ease your quest of acquiring the proper coverage. Whether you’re entirely new to classic vehicles, have recently moved to the area, or have different circumstances to contemplate, here are some of the most significant questions to pose to your agent when procuring your policy.

  • How frequently should I update my insurance?
  • How does classic car coverage differ from a standard auto policy?
  • Which policy caters to my specific needs?
  • How can I identify if additional coverage is needed?
  • Who can I approach with questions?

We can address those concerns and more, coupled with providing quotes from multiple insurers. We’ll help you decide the most suitable one for your unique car and the manner in which you use it. People’s usage of their classic cars varies—some store theirs continuously, while others drive them. You might showcase your car at events, or perhaps you’re halfway through restoring it. How you utilize and preserve it will influence what type of policy fits your lifestyle, signifying why collaborating with an agent can simplify the entire process and make it substantially more convenient.

Contact The Morrow Insurance Agency if you’re in the Mesa, AZ, area and looking for a classic car insurance policy. Whether you desire a brand-new policy on a newly acquired vehicle, need to update a current one, or are considering changing carriers or coverage options, we can furnish you with the information to make an informed decision about your current and future policy requirements.

Protect Your Adventure Business With Recreational Insurance

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Various types of indoor and outdoor businesses require recreational insurance coverage. Businesses primarily offering recreational activities pose certain risks for customers, and they need this type of commercial coverage to ensure protection against these risks. To get started with a policy, give us a call at The Morrow Insurance Agency in Mesa, AZ.

Outdoor Businesses Needing Recreational Insurance

Running a business that provides outdoor recreational activities inherently carries the risk of injuries. These can range from mild to severe, and either can cost your company significantly. Your business would be liable for medical bills and might also have to cover lost wages and legal fees. Recreational insurance policy would cover these costs. Your outdoor business might facilitate activities like hikes, bicycle treks, rock climbing, boating, skiing, ziplining, etc. All these businesses carry the potential for injuries.

Indoor Businesses Requiring This Insurance

It might seem that only outdoor recreational businesses need this insurance, but certain indoor businesses also require it. These can include facilities with rock-climbing walls, ax throwing, indoor skydiving, etc. Any business providing recreational activities always has the potential for injuries. Without insurance, your business may be forced to close due to high injury-related costs.

Obtain Recreational Insurance in Arizona

Your company is vulnerable if you run a recreational business without the relevant commercial insurance. You can address that vulnerability by securing a recreational insurance policy. To get started with a policy for your business, call us at The Morrow Insurance Agency in Mesa, AZ.

Motorhome Mechanical Upgrades That Require More Insurance Coverage

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Mechanical parts that your motorhome requires to operate correctly should be checked regularly. In addition to routine maintenance, you should seek adequate insurance coverage for your motorhome.

Mechanical Systems

Familiarize yourself with the mechanical components that make up the motor and other operating systems. Mechanical failures can occur when driving your RV or operating the windows, lights, air conditioning, heating system, or radio.

Being familiar with your vehicle’s mechanical systems can be useful if you ever need to stop and fix a problem out on the road.

Insurance Guidelines

Review the cost of various mechanical parts that your motorhome requires. Expensive motor and suspension parts should be covered by your existing motorhome insurance policy, but coverage for the mechanical components is optional.

If you are undecided about which parts to add to your insurance plan, schedule a formal inspection of your vehicle. During this time, the person conducting the inspection can determine which parts are most susceptible to damage or theft.

Once you are familiar with the risks involved, you will be able to make a decision about which mechanical parts to add to your insurance policy.

Security Measures

Take measures to protect the mechanical parts. Park your motorhome in a garage or under a secure overhang. This will ensure that your vehicle stays dry.

If you need to park your vehicle in a public area, consider purchasing some security devices to prevent theft. Surveillance equipment, locks, and other security devices will protect your vehicle when it is not occupied.

Assistance

Reach out to an agent of The Morrow Insurance Agency. One of our agents, who serves Mesa, AZ, will update your recreational insurance policy when convenient.

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