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5253 E Brown Road, Suite 105
Mesa, AZ 85205

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Arizona Insurance Blog

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.

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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. 

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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. 

5 Common Questions About Homeowner’s Insurance Explained

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Homeowner’s insurance is a necessary purchase for many people. It can provide peace of mind in the event of an unforeseen incident. However, it’s often seen as a confusing document that many homeowners are uncertain of. At The Morrow Insurance Agency serving Mesa, AZ, we help explain some of the most common questions regarding homeowner’s insurance.

5 Common Questions

1. What’s Typically Included In A Homeowner’s Insurance Policy? 

An insurance policy for your home can often include dwelling coverage (for the house itself), personal property insurance, liability, and additional living expenses. 

2. Is An Inspection Required Before I Get Home Insurance? 

Sometimes an inspection is asked before purchasing home insurance to assess the property. This allows for more accurate calculations of a policy.

3. Is Insurance For Your Home Required? 

Mortgage lenders in Mesa, Arizona, and surrounding areas will require you to have insurance on your property. The reason for homeowner’s insurance is straightforward – the cost to rebuild or repair a home can be costly. So you have the protection and peace of mind you deserve in exchange for a premium.

4. How Often Should I Review My Home Insurance Policy? 

Typically, policies last for one year, and you’ll be sent a document with renewal information. This time is when it’s good to take a look at your home insurance needs and consult with our agents if you need to make changes or have questions.

5. Why Should I Consult With An Insurance Expert?

Understanding how much insurance you need for your home can quickly get overwhelming. That’s why it’s crucial to rely on a professional who has the industry experience and can guide you in the right direction.

If you are looking to get an estimate for home insurance, we’re honored you’ve considered The Morrow Insurance Agency. Call today for more information!

 

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