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5253 E Brown Road, Suite 105
Mesa, AZ 85205

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Arizona Insurance Blog

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Condo Coverage Essentials for Arizona Residents

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Owning a condo can be a beautiful and exciting adventure in Mesa, AZ. While there are various aspects of your condo that may be covered by HOA fees and more, it’s important that you have the necessary coverage for your own financial protection, too. At The Morrow Insurance Agency, we can ensure that you have condo insurance that is built specifically to protect you and your condo.

What Condo Insurance Protects

Your condo association has insurance that protects the building. However, your condo is inside that building. As such, it can get confusing as to what is and isn’t your responsibility.

Condo insurance is a necessity to protect what actually belongs to you – the walls, ceilings, and floors of your unit.

Additionally, your policy will also protect everything that’s inside of it, including furniture and other personal belongings. It will also provide coverage for living expenses in the event that your condo becomes unlivable for a  time period following a catastrophic event, such as a fire or flood.

What’s the Right Amount of Coverage?

It can be difficult to figure out just how much coverage is enough in Mesa, AZ. You want enough that you don’t have to spend a fortune if you have to file a claim. However, you also don’t want so much coverage that you’re spending more than what’s necessary.

This is where it is critical to work with an experienced insurance agent. One of our agents can talk to you about the value of your condo and everything in it. We can also look at past problems that have occurred in the area so that you can be fully covered for anything that could (and might) happen.

Make the call to talk to us at The Morrow Insurance Agency today. We’ll customize a quote and search for an affordable premium that fits within your budget.

Auto Insurance Options for Snowbirds and Other Seasonal Arizona Residents

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If your winters are spent here in the Mesa, AZ area, and your summers in another location you love, you’re probably looking for ways to keep from doubling your expenses. Keeping a home, vehicle, and lifestyle in both places can use a lot of resources, even while you’re away. At The Morrow Insurance Agency, we have many clients who come and go on a seasonal basis, and we help them get the most from their insurance coverage without unnecessary complications. Many insurance companies understand that our lives can be quite flexible, and they have responded with options that keep you a happy customer year-round.

When You’re Not Covered, You’re Not Covered

One option people consider is canceling coverage when they’re not using their vehicle. It’s not just something snowbirds think about, around the country people consider buying coverage for motorcycles and other vehicles they only use during certain seasons. There are drawbacks to being a part-time customer of your insurance company, the most notable being that when your policy isn’t in effect, you still have risks and obligations to consider.

Arizona is one of the few states that allows you to register a vehicle without proof of insurance, so you might not need to give up your tags each time, but you definitely cannot drive without insurance. If your vehicle is uninsured and stolen or damaged, perhaps by weather, you’re stuck.

A Wait-and-See Approach

Pausing coverage and purchasing specialized storage coverage are two ways to keep some coverage on your vehicle in case weather, garage structural problems, theft, or other risks find and harm your vehicle. At The Morrow Insurance Agency, we can help you get covered in Mesa, AZ. We love to help snowbirds, call us today!

Classic Cars Require Specialized Insurance

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The Morrow Insurance Agency provides the insurance services that the Mesa, AZ community relies on. We can help you determine the right classic car policy for your needs. Contact our office today to find out the options that are available to protect your classic car.

Specialized Policies for Classic Cars

When you own a classic car, it’s more than just a vehicle for transportation. These vehicles often represent a sizable investment, and require specialized policies that are designed to protect classic cars. A typical auto policy is not appropriate for your classic car. You’ll need to obtain a dedicated classic car policy.

There are a few considerations to make when selecting your policy. For instance, how often do you drive it, and where is it stored? The answers to these two questions will help your local insurance agent better understand your coverage needs. For example, if you drive your vehicle to and from classic car shows only and store it off-site in a temperature-controlled storage unit, your needs will be different from those of someone who drives their classic car every weekend and stores it at home. The more information your agent has, the better equipped they will be to present information on appropriate policy options.

Contact us today to learn more!

If you own a classic car and live in the greater Mesa, AZ area, you can turn to The Morrow Insurance Agency for the classic car policy that’s right for your vehicle. Give us a call today or stop by our office to learn more about the policy options that are available in our area. We look forward to hearing from you soon! 

Recreational Insurance: What It Is and What It Covers

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If you live in Mesa, AZ, it’s likely that you own some type of recreational vehicle. From boats and campers to ATVs and dirt bikes plus everything in between, recreational insurance is a type of coverage that protects you and your machine should disaster strike. And just like with your house or car, having the right type of policy can prevent you from paying hundreds – or even thousands – of dollars in repairs out of pocket. 

Common Situations Covered By Recreational Insurance

There are many different types of policies available that can vary from provider to provider in both cost and coverage options. In general, however, recreational insurance typically covers the physical damage to property (both yours and others) as well as injuries involved. If an accident results in damage to your machine, other property, or injury to yourself or others, your insurance will typically pay for the additional costs associated after you’ve met your deductible.

When Additional Coverage Might Be Needed

Each policy will have its own list of events and items covered, but some situations may call for additional protection. Some policies will cover loss due to theft or vandalism while others may cover emergency roadside assistance. If your policy doesn’t cover these or other events that you would find beneficial, they can often be purchased as an add-on. If you’re unsure about the specifics of your coverage, you can request that information from your provider or agent.

The Morrow Insurance Agency Is Here To Help

If you live in Mesa, AZ or the surrounding area and need help finding the right recreational insurance policy for your needs, the team here at The Morrow Insurance Agency can help! We’ll work with you to find the coverage you need at a price you can afford.

Is it a good idea to have a motorhome insurance plan in Arizona?

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If you are in the Mesa, AZ area, you may find that owning a motor home is a good idea. When you are a motor home owner, it can offer you a fun way to tour the state and country and offer a place to sleep when you are not on the road. Along with the purchase of a motor home, you also need to think about insurance. It is a good idea to have this coverage for a range of reasons. 

Protect Your Motor Home

A reason that you should keep a motor home insurance plan in place is so you can protect the asset. If you choose to buy a motor home, you will soon find that it is a very big investment. To ensure your investment is secured, you will want to have insurance for it. This will give support if the motor home is damaged or stolen.

Reduce Liability Concerns

It is also a good idea to have motor home insurance to reduce your liability risks. There are several risks that go along with operating a motor home, including the risk you could cause an accident. When you are insured, you will have financial support to cover the claims. This will also ensure you are in good standing with state law regarding insurance needs. 

Reach Out To Us

If you are going to buy a motor home in the Mesa, AZ area, you will want to be assured that you get it properly insured. As you are looking for this coverage here, it can be a great idea to call our professionals with The Morrow Insurance Agency. When you call our team with The Morrow Insurance Agency, you will get all the guidance that you need to build a quality policy that protects your motor home. 

Do I Need RV Insurance If I Only Use My RV Occasionally?

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At The Morrow Insurance Agency in Mesa, AZ, we help clients who own RVs protect their prized possessions. Even if you only drive your RV once or twice a year, RV insurance can be a lifesaver. It can give you peace of mind and more, as we’ll share below.

Do I Need RV Insurance If I Only Use My RV Occasionally?

At first glance, you might think that you only need RV insurance if you use your RV all the time. For those who only drive their RV on occasion, RV insurance could seem like you won’t get your full usage out of your policy. While this line of logic might make some sense, the decision to buy RV insurance is more complicated than simply answering whether you use your RV regularly. 

Even for those who only drive their RV once in a blue moon, RV insurance can be helpful. Since RV insurance provides liability protection, it can come in handy in the event that you’re found to be at fault in an RV accident. As any RV owner knows, it only takes one disaster like this to wreck your finances. RV insurance can help prevent this kind of problem even if you don’t drive your RV more than a few times a year. 

If you travel between different states, it’s especially important to carry RV insurance no matter how often you use your RV. This is because some states legally require RV owners to carry RV insurance. Some RV insurance policies may have terms that are more friendly to RV drivers who use their RV part-time.

Schedule A Consultation Today!

For more information about our RV insurance policies, call our office at The Morrow Insurance Agency in Mesa, AZ today!

What to Pack in Your Motorcycle’s Emergency Kit to Keep You Safe on the Road

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Before you hit the road on your bike, it’s important that you have the supplies you need to stay safe. At The Morrow Insurance Agency, serving the Mesa, AZ metroplex, we’re here to work with you to ensure that you’re covered when you ride. 

Your On-The-Road Emergency Kit

Here’s what you’ll need to pack in your emergency kit to keep you safe when you’re enjoying days on your bike. 

First Aid Kit

It’s a no-brainer to pack a first aid kit in your emergency bag, but it’s also important to update your kit regularly. Be sure that alcohol pads are not dried out, you have a full stock of bandages, and you have unexpired medications (like ibuprofen) on hand. 

Tire Repair Kit

A flat tire is no fun–keeping a tire repair kit on your bike allows you to check your tire pressure regularly and make small repairs on the go, allowing you to make it home with a damaged tire. 

Light Bulbs

Visibility is key when it comes to motorcycle safety, and your lights are what make you visible to others on the road. Keep spare taillight bulbs and headlight bulbs in your emergency kit so you never have to worry that a burnt-out bulb will leave you unable to be seen. 

Duct Tape

A roll of duct tape can go a long way when it comes to making small repairs on your bike. Keeping a full roll in your emergency kit can help you come up with do-it-yourself solutions that get you where you need to go, even when you aren’t in an area with a repair shop.

We Can Help!

At The Morrow Insurance Agency, we’re proud to provide Mesa, AZ residents with motorcycle insurance, allowing you to ride protected. Reach out to us today to learn more about our motorcycle insurance coverage options. 

Essential gear to keep on your boat

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When it comes to being safe and prepared on the open waters, it’s essential that you have the right gear. Whether you’re headed out for a day cruise or an extended voyage here in the Mesa, AZ area or anywhere, having the right equipment can make all the difference in your boating experience.

Here are some of the must-have items we at The Morrow Insurance Agency think you should keep on your boat:

Life Jackets:

Life jackets should be worn by all passengers while underway and kept handy in case of emergencies. It’s also important to check expiration dates and sizes for a proper fit. 

Anchor & Line:

Keeping an anchor onboard is essential for anchoring your boat in times of bad weather or when you need to take a break from sailing. Don’t forget to keep an extra line handy in case of any unexpected issues with the anchor line. 

Navigation Equipment:

Having a compass, GPS, and nautical charts will help you find your way if you get lost at sea. It’s also important to bring along flares or other signaling devices so that you can alert people nearby if necessary. 

Emergency Supplies:

In case of an emergency situation, having supplies such as a first aid kit, fire extinguisher, flashlights, spare batteries, and water purification tablets can help make life easier until help arrives. 

VHF Radio:

Having a two-way radio onboard is essential for communicating with other vessels or land bases when cell phones don’t work offshore. It’s also necessary if there is an emergency situation and help needs to be called. 

Reach Out To Us

With these items aboard your boat, you’ll be well-equipped for whatever journey lies ahead! For more tips, give us at The Morrow Insurance Agency a call today. We serve the Mesa, AZ area.

How Umbrella Insurance Helps Seniors

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What do seniors have to lose? Unfortunately, the answer often is “a lot,” so seniors should consider umbrella insurance to protect the assets they worked hard to accumulate. While this article describes the value of umbrella insurance for seniors, everyone with The Morrow Insurance Agency, serving Mesa AZ, will be happy to discuss whether umbrella insurance should be part of your insurance plan.

How Umbrella Insurance Helps Seniors

Accidents happen despite our best intentions, and we buy home and auto insurance to protect us against the unexpected. Arizona is an at-fault state, so your auto insurance policy covers your liability when others suffer losses in an accident where you have responsibility. Your home insurance covers similar liability for injuries that occur in your home.

However, your home and auto policies limit the amount of liability they cover. If an accident results in liability exceeding your policies’ limits, you are responsible for the difference, potentially leaving your retirement savings, home, and other assets vulnerable. This situation is especially a problem for seniors past their prime earning years.

That’s where umbrella insurance can help. Umbrella insurance sits atop your other policies and kicks in only when you exceed their limits. This layer of protection is seldom needed, so umbrella insurance is relatively inexpensive. Still, it provides a comforting layer of protection for you and your assets.

Working With The Morrow Insurance Agency 

Knowing you and your family are protected is comforting in a world where anything can happen. So, if you live in Mesa AZ, and want to discuss the protection offered by umbrella insurance, the team at The Morrow Insurance Agency stands ready to help. Call us today to discuss a plan that makes sense for you.

Condo Insurance in Arizona: What You Need to Know

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Purchasing a condo in Arizona offers the benefits of homeownership without the extensive maintenance and upkeep responsibilities that come with a single-family home. However, as a condo owner, it’s essential to understand the importance of having proper condo insurance coverage to protect your investment. 

Here is what you need to know about condo insurance in Arizona:

Condo insurance, also known as an HO-6 policy, is specifically designed to cover the unique risks associated with owning a condominium. While your condo association may have a master policy that covers the exterior of the building and common areas, it’s crucial to have your own coverage to protect the interior of your unit, personal belongings, and potential liability claims.

In Arizona, condo insurance policies typically offer coverage for the following:

Dwelling coverage:

This protects the interior of your condo, including walls, floors, ceilings, and any installed fixtures or improvements. Dwelling coverage ensures you’re financially protected in case of damage from events like fires, storms, or theft.

Personal property coverage:

This covers your belongings, such as furniture, electronics, and clothing, in case they are damaged or stolen. It’s essential to accurately assess the value of your possessions to ensure you have adequate coverage.

Liability coverage:

This protects you financially if someone is injured while in your condo or if you cause damage to someone else’s property. Liability coverage can help cover medical bills and legal expenses if a lawsuit arises.

Loss assessment coverage:

In some cases, your condo association may levy special assessments to cover damages to common areas or shared property. Loss assessment coverage can help protect you from these unexpected expenses.

When looking for condo insurance in Arizona, it’s essential to work with a knowledgeable and experienced insurance agency. The Morrow Insurance Agency serving Mesa, AZ offers personalized service and guidance to help you find the right coverage for your unique needs. As an independent agency, they can provide you with a wide range of options from various insurance carriers, ensuring you receive the best possible coverage at competitive rates.

Reach Out To Us

Obtaining proper condo insurance in Arizona is crucial to protect your investment, personal belongings, and potential liability claims. By working with a reputable agency like The Morrow Insurance Agency in Mesa, AZ, you can have peace of mind knowing you have the right coverage for your specific needs.

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