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5253 E Brown Road, Suite 105
Mesa, AZ 85205

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5 FAQs About Classic Car Insurance

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Maybe you have an antique or collector’s car in Mesa, AZ that you want to insure. Your car is an extension of who you are as a person, so getting the right coverage is a big deal. Just as you put special care into keeping your car in pristine condition, you want a policy that dots every "i" and crosses every "t" without breaking the bank. The professionals at The Morrow Insurance Agency have put together this list of frequently asked questions to help you get started.

Classic Car Insurance FAQs

1. What Types of Cars Does Classic Car Insurance Cover?

Your agent can help you find a policy that includes your vehicle in its definition of classic cars. Here are some of the most common vehicles covered by classic car insurance:

  • Antiques
  • Classic cars, trucks, and military vehicles
  • Exotics
  • Military vehicles
  • Modified vehicles, like hot rods, tuners, and lowriders
  • Motorcycles and scooters
  • Retired commercial vehicles, like fire trucks
  • Classic tractors
  • Muscle and race cars
  • Kit cars and restorations in progress

2. How Much Can I Use My Antique Car Without Losing Insurance?

You cannot use your classic car for everyday use. Each policy is unique, so make sure you understand the mileage limits. In some cases, you’ll need to provide proof that your car remained garaged for a certain length of time, for example.

3. What Types of Coverage Does Classic Car Insurance Include?

Typically, minimum coverage includes liability insurance for any damage or injuries you may cause to others. Make sure to consider collision and comprehensive coverage for your classic car. This will cover theft, vandalism, and weather-related damage, among other possible incidents listed in the policy. Uninsured/underinsured motorist insurance has you covered if someone with low or no coverage hits your antique car. All these coverage options will give you peace of mind when driving or storing your classic car, truck, tractor, or another vehicle.

4. Do I Need Roadside Assistance?

Getting roadside assistance ensures that you can have your antique car repaired or towed if you break down en route to the next car show. This can save you hundreds or thousands of dollars in an emergency.

5. Which Insurance Carrier Has the Best Coverage for Me?

Contact the experienced agents at the Morrow Insurance Agency to discuss the insurance policies that would work best for your classic vehicle. We would be happy to find the right policy for your needs as you drive your antique sports car or pre-1980s truck around Mesa, AZ and beyond. Contact us today to set up an appointment for an accurate quote.

Why does someone need to have recreational insurance in Arizona?

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In the state of Arizona, many people will find that it can be a fun and exciting place to live. Those that are in the Mesa, AZ area will find there are a lot of great trails, parks, and other destinations where they can use their recreational toys. For those that own one of these assets, it is important to remember that it is a big asset and responsibility.

While it is not necessarily required by law, it is important that you have insurance on these assets.

Why Recreational Insurance?

Support to Replace or Repair Assets

One of the ways that you can benefit from having recreational insurance is that it can provide the support you need to replace or repair your asset. If your asset is damaged in an accident or stolen, you will likely want to repair or replace it. However, you could find that doing this is quite expensive. Fortunately, you are able to use your recreational insurance plan to cover these costs.

Liability Insurance

It is also helpful to get this coverage as it offers liability support. If you are at fault in an accident, you will have to cover the damages incurred by the other party. In some cases, these costs can be significant. When you have recreational coverage, you will likely have ample liability insurance to protect you in these situations.

Contact Us Today

If you invest in any type of recreational asset in the Mesa, AZ area, it would be helpful to get the right insurance for it. When you start looking for a policy in this area, it would be wise to call the team with The Morrow Insurance Agency. With so many choices to make, calling The Morrow Insurance Agency can help you assess all of your options and choose a plan that provides the right support.  

Tips for taking your motorhome to a national park

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The Morrow Insurance Agency has served the Mesa, AZ community with its insurance needs, including coverage for motorhomes. We are here to assist with all your queries. Are you planning a trip to a national park? If so, there are some things you should be aware of before you take your motorhome.

Here are some tips for making the most of your visit:

1. Make sure that your motorhome is equipped with everything you need. This includes items like cookware and bedding, as well as any supplies or equipment that might be required for activities in the park. For example, if you plan to do any hiking or biking in the park, make sure that your motorhome has space for a bike rack or other type of transport.

2. Find out about any special rules or restrictions that may apply in the park where you’re traveling. Some parks allow campfires while others don’t, for example.

3. Research where you can stay in the park and when you should make your reservations. Most parks have designated campsites that fill up quickly during high season, so it’s important to be prepared with a backup plan if necessary. Be sure to do this well in advance of your trip to ensure that you get the best possible accommodations.

4. Pack light, but pack wisely! Make sure that you bring only the things you’ll truly need on your trip – keep in mind that anything extra will just add extra weight to your motorhome and could be difficult to transport from place to place within the park. But also remember not to skimp on essentials like food and water supplies or other items that you might need in an emergency.

Get Coverage For Your Motorhome Today

For more tips on taking your motorhome to a national park, give us at The Morrow Insurance Agency a call today. We proudly serve the Mesa, AZ area. 

Basic RV Insurance Coverages Explained

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The Morrow Insurance Agency serves our Mesa, AZ clients on what you need to know about RV insurance so you can get back to enjoying life. Whether you are new to your RV or ready for another season of adventure and want to review your coverages, this quick guide will help you understand the basics. 

Which RVs Require Insurance Coverage?

If you can drive your RV, it requires minimal insurance liability coverage in most states. If you tow it from place to place, it’s unlikely that insurance is state-required, but you can still opt for coverage. 

What RV Insurance is Required? 

In Arizona, you are required to carry a minimum motor vehicle liability coverage of:

  • $25,000 bodily injury liability for one person
  • $50,000 for two or more persons
  • $15,000 property damage liability.

You’ll find most states have similar minimum liability requirements for driveable RVs. 

What Insurance Coverages Can You Get for Your RV? 

  • Collision: Payment for accident damage. 
  • Comprehensive: Payment for fire, theft, vandalism, wind, and other valid non-collision claims. 
  • Property Damage: Pays when your RV caused damage to another’s property. 
  • Bodily Injury Liability: Covers medical expenses related to an accident you are liable for in your RV. 
  • Uninsured Motorists: Covers your collision repairs when without a deductible when another motorist is responsible for collision damage but lacks liability coverage. 

Unique coverages exist that offer specialized protection for motorhomes. These may include, but are not limited to:  

  • Total Loss Replacement: For newer RVs, the full replacement cost is provided in the event of a total loss. 
  • Replacement Cost Personal Effects: Covers the cost of your unattached possessions lost in a claim. 
  • Emergency Expense Coverage: This covers you if you become suddenly stranded due to a claim for travel expenses, food, and lodging. 

Contact Us Today

If you are ready to add or renew your RV policy in Mesa, AZ, call or stop by the Morrow Insurance Agency today. Our team of insurance experts will be happy to answer your questions and help you prepare for your adventure with confidence. 

Protect your motorcycle from theft and vandalism with a comprehensive policy

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The Morrow Insurance Agency is here to help motorcycle owners in the greater Mesa, AZ area protect their bikes from theft and vandalism. Contact us today to learn more about the comprehensive motorcycle policies that are available in our area. 

Benefits of a comprehensive motorcycle policy

Many motorcycle owners opt for the least amount of coverage available when selecting an insurance policy. This can help save money in the short term but could lead to financial disaster down the road. With a basic policy, it is unlikely that the policyholder will have very much protection.

Outside of a minimal amount of coverage for liability and collision, with a basic policy, there are a lot of instances where the owner will not have the protection they need. This is especially true in the case of theft or vandalism. When a basic policy is in place, it will typically cover losses and damage that is related to an accident. 

This means that if something were to happen to the covered motorcycle through a different type of event, the insurance policy would not provide any coverage. For example, without a comprehensive policy, the owner will be responsible for any financial loss due to the theft of their bike. The same holds true if the bike is damaged in an incident that’s unrelated to an accident. Now is an ideal time to update to a comprehensive policy.  

Let us help you find the right policy for your needs

Mesa, AZ area motorcycle owners can count on the team at The Morrow Insurance Agency for all of their insurance needs. We are here to help you protect yourself, your passengers, and your bike. Call or stop by our office today to find out more!

Risk Factors for Arizona Boating Accidents

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Boating is a favorite community pastime, whether relaxing on the water, fishing, or enjoying water sports — but it comes with risks. To best understand boating accidents, The Morrow Insurance Agency in Mesa, AZ has compiled the top risk factors. Be aware of these risks when on the water as listed by the Arizona Game & Fish Department’s frequent contributing factors to boating accidents and casualties.

Risk Factors in Boat Accidents

Accidents can happen when boating despite your best efforts, but there are many ways you can lessen these risks. Take preventative action to avoid these common complaints, and make sure you have a strong boater’s insurance policy that covers the rest.

  • Avoid excess alcohol use or drug use that can impair boat operation
  • Get educated on boat operations and how to pay attention to both risks and navigational aids. Learn the local laws and consider a boater’s safety course.
  • Avoid boating in hazardous waters such as strong currents or areas with restricted vision (e.g., fog)
  • Ensure your boat is in proper working order at all times, including motors, navigation lights, and safety gear 
  • Practice safe docking with proper anchoring of the boat, storage and loading of gear, and onboarding of passengers
  • Drive safely. Don’t speed, jump wakes, add passengers to the gunwale or perform other daring maneuvers.
  • Follow boating traffic regulations when entering and leaving dock space.
  • Register and insure your boat according to local Arizona laws. Consider both legal liability and also property damage coverage.

Get Boat Insurance Today

Understanding the risks can help prevent future accidents. The Morrow Insurance Agency serving Mesa, AZ is here to help safeguard your family in the event of a boating accident. Contact us today!

Can I use umbrella insurance in place of my primary insurance?

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Umbrella insurance is supplemental insurance designed to cover anything that a primary insurance policy doesn’t cover or that exceeds a primary insurance policy. It’s not designed to function as a primary policy, although it does in some situations. For the most part, primary insurance covers most situations.

However, there are situations when a primary insurance policy isn’t enough to cover an incident or accident. Our team at The Morrow Insurance Agency understands that umbrella insurance can be extremely beneficial in situations where a primary insurance policy has been maxed out. We’re committed to helping our Mesa, AZ residents understand how umbrella insurance works.

What is Umbrella Insurance?

Umbrella insurance is supplemental insurance designed to cover anything that a primary insurance policy doesn’t cover or that exceeds a primary insurance policy. It’s not designed to function as a primary insurance policy, but can and will if a primary insurance policy doesn’t offer coverage in a certain area. 

Can I Use Umbrella Insurance as Primary Insurance?

Typically, umbrella insurance only works in combination with primary insurance policies. In fact, many umbrella insurance companies require that primary insurance is in place before an umbrella insurance policy can be purchased. However, although umbrella insurance isn’t designed to be purchased as a primary insurance policy, it can act as a primary policy. It acts as a primary policy when a primary policy doesn’t provide coverage in a particular area. 

Can I Use Umbrella Insurance as Primary Insurance?

Typically, umbrella insurance only works in combination with primary insurance policies. In fact, many umbrella insurance companies require that primary insurance is in place before an umbrella insurance policy can be purchased. However, although umbrella insurance isn’t designed to be purchased as a primary insurance policy, it can act as a primary policy. It acts as a primary policy when a primary policy doesn’t provide coverage in a particular area.

Contact Us Today

Umbrella insurance is designed to work in tandem with a primary insurance policy. It should be looked at as extended insurance once you’ve exceeded the limits of a primary policy, or don’t have a particular type of coverage under a primary policy. Umbrella insurance also pays legal costs in a lawsuit as well.

If you think you might benefit from umbrella insurance or have concerns about the existing limits of your primary insurance, call us at The Morrow Insurance Agency in Mesa, AZ. We’d be happy to help.

Do I Need Condo Insurance If I Own My Unit Outright?

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According to research, as many as 20% of condo owners in the U.S. do not have insurance. The common misconception is that because they own their unit outright, they are not required to have insurance. However, this could not be further from the truth. In this blog post, The Morrow Insurance Agency will dispel this myth and explain why condo insurance is essential, even for those who own their units outright. 

Why You Need Condo Insurance

Condo insurance is important for several reasons. First and foremost, it protects your personal belongings in the event of a covered loss, such as a fire or theft. Secondly, it provides liability coverage in the event that someone is injured while on your property. And lastly, it covers you in the event that your condo association’s master policy does not provide adequate coverage.

For example, let’s say a fire in your condo unit damaged both your personal belongings and the unit itself. If you have condo insurance, your insurer will reimburse you for the cost of repairing or replacing your belongings up to your policy’s limit.

However, if you do not have insurance, you’ll be responsible for paying out of pocket to repair or replace your belongings. The same goes for damage to the unit itself. If your condo association’s master policy does not provide adequate coverage, you could be stuck footing the bill for repairs.

What About Condo Association Insurance?

Condo associations in Mesa, AZ typically only insure the building itself and any shared common areas – not the interior of your unit. That’s why it’s important to have your own condo insurance policy in place. It’ll cover your personal belongings and provide liability protection.

Get Coverage For Your Condo

Condo insurance is a must, even if you own your unit outright. It protects your belongings, provides liability coverage, and covers you in the event that your condo association’s master policy does not provide adequate coverage.

If you have any questions about whether or not you need condo insurance, The Morrow Insurance Agency in Mesa, AZ is here to help. Give us a call today to learn more about our condo insurance policies and how we can help you protect your investment.

Do I Need To Insure My Car If I Don’t Drive It Often?

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If you park your car most of the time, it is unlikely that you will be making a claim on your car insurance. If you rarely use it, you may want to consider taking out a policy that protects you if your car is a write-off. For consultation in the greater Mesa, AZ community, talk to The Morrow Insurance Agency. 

Do I Need To Insure My Car If I Don’t Drive It Often? 

If you are a safe driver, you may not need to insure your car. If you don’t have the money for repairs or the deductible costs too much, then you’ll be stuck paying out of pocket. 

Some people choose not to insure their cars because they have a good driving record and have already paid their insurance premiums. If you park your car in your garage and never drive it, then insuring it might be a waste of money.

If you have a car that sits in your driveway most of the time, you don’t need to worry about car insurance. If your car is parked in a garage most of the time, you may not need to purchase car insurance. 

Most people think that they need to keep their car insured, even if they don’t drive it very often. For example, if you have a classic car with a value of less than $3,000 and don’t drive it very often, then it might not make sense to keep comprehensive car insurance on it. 

Contact Us Today

You need the right insurance even if your car isn’t being used frequently. Your car may be damaged by weather, vandalism, or mechanical problems. If you don’t drive your car often, you may want to consider adding a rider to your policy that will cover you in case you sell the car. For advice, talk to the team at The Morrow Insurance Agency in Mesa, AZ.

Can commercial insurance protect my Mesa business?

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Anyone that wants to start and run their own business will need to ensure that they choose the right location and Mesa, AZ continues to offer a lot of opportunities for small business owners. As you are looking to start a business in this area, you will want to know that you are covering it as well as you can. With a proper commercial insurance plan, you can continue to support your business as it will offer various forms of protection. 

How commercial insurance protects businesses

Protect Assets Owned by Business

A good reason to have commercial insurance for your company is that it is a great way to protect assets owned by your business. With a commercial insurance plan, you will get the support needed to cover any of your assets that could be damaged, stolen, or destroyed. This will ensure you have the capital to replace or repair them when necessary.

Mitigate Liability Risks

You also should have a commercial insurance plan to mitigate your personal liability risks. There are various risks that come with running a business and if an accident happens, you could be found liable. Fortunately, you are able to offset these risks by getting a commercial insurance policy that will include a provision for liability coverage. 

Owning a business in the Mesa, AZ area can be a great investment and career path. As you are looking to build a business here, you will want to ensure that you have the right insurance in place. A commercial insurance plan will provide you with the support needed in this situation and the team with The Morrow Insurance Agency will help you build an ideal plan. The Morrow Insurance Agency will take a customized look at your business to ensure you build an ideal plan for your situation. 

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