Renting a vehicle: Do you really need to purchase their insurance? It’s one of the most common questions we receive here at Insurance Professionals of Arizona. When our client is traveling and needs to rent a vehicle, should they purchase the extra insurance offered from the rental car company? The answer isn’t always readily available. Essentially, it depends on the auto insurance you currently have. Many of the top tier insurance carriers will extend coverage to a rental vehicle if that rental vehicle is being used as a temporary replacement for your personal daily driver. There can be ex ..read more

Why are auto and home insurance rates continuing to climb? You have probably noticed that the price of pretty much everything has gone up in the last few years. This includes not only necessities such as housing, food, gas, and energy, but practically all goods. Unfortunately, insurance is not immune to market forces and is seeing rates going up as well, which you will notice when it’s time to renew. So we at Insurance Professionals of Arizona would like to explain the increase in rates for both homeowners and auto insurance up front, so our clients can understand and budget accordingly. R ..read more

Does Insurance Cover Me If I Am Driving Someone Else’s car? You’ve been there: You’re in a tight spot and need to borrow your friend’s car, and they say “Okay.” Then, on the way, you get into an accident. Are you covered? The short answer is yes, if your friend has insurance. Usually the coverage follows the car rather than the driver. So the person insured for that vehicle would be covered under that policy, even if they weren’t driving. However, that coverage may not be cut and dry. Policies change from person to person, and company to company. Along with checking your friend’s policy for ..read more

Medicare Part A: A Primer Part A represents hospital insurance, and it’s what most people think of when they think of Medicare. When someone needs emergency care, or needs to have a prolonged stay at a hospital, Part A is what covers it. What exactly is Medicare Part A? Medicare Part A is the federal government’s health insurance program for those who are 65 years of age or older, as well as certain disabled individuals. It covers medically necessary services such as hospitalization, skilled nursing facility care, home health care and hospice care. Inpatient medical and mental health care i ..read more

Getting auto insurance for your 16 year old For many parents, the day their 16 year old child finally gets their first drivers license, and possibly their very first vehicle, is nerve wracking. Naturally, a 16 year old driver is considered by insurance companies as being of higher risk for accidents, speeding tickets or other infractions.  This can lead to very high insurance premiums. However, parents of 16 year olds in Arizona need not worry.  We at Insurance Professionals of Arizona will help you navigate the insurance buying process, and get your child fully covered at the lowe ..read more

Is homeowners insurance included in your mortgage? Maybe If you’re a new homeowner, you may be wondering if your mortgage includes homeowners insurance. The answer is: it depends. Many lenders require that you purchase homeowners insurance as part of your loan agreement, while others simply recommend it. However, if your lender doesn’t require insurance, you’ll still need to get coverage to protect your home and belongings. Here’s what you need to know about getting homeowners insurance for your new home. Homeowners insurance is not typically included in your mortgage Homeowners insurance ..read more

“Twisting” Insurance and how to avoid it We wish we could say that everyone who works in the insurance industry has the same ethical and fiduciary standards as Insurance Professionals of Arizona. Unfortunately, there are too many unscrupulous agents out there that give the rest of us a bad name. One way they do this is through a practice called “twisting insurance,” but all they are doing is twisting the rules. What is twisting insurance and how does it work? Twisting insurance, also known as churning, is simply a form of insurance fraud. In this type of scam, an insurance agent attempts t ..read more

Is windshield coverage mandatory in Arizona? Drivers in Arizona are all too familiar with the dreaded sound of a rock damaging their windshield while on the road. Living in the desert, with monsoons and dust storms, there is no shortage of small rocks and pebbles along the roads and highways, which can cause immense damage when launched at a high rate of speed (say falling off the bed of a dump truck). Add in the fact that Arizona is one of the fastest growing states anywhere, with new construction (and construction vehicles) seemingly at every turn, it’s no surprise that roughly ten percent ..read more

Why every business owner should take a look at cyber insurance With cyber-attacks on the rise, and more sophisticated than ever, it has never been more important for businesses to consider purchasing cyber insurance. The costs of not doing so could be far greater. Cyber-attacks more costly than ever Data breaches and other malicious cyber activities can have devastating consequences, including costly data loss and reputational damage. The average total cost of data breaches in 2022 was $4.35 million, according to the IBM/Ponemon Institute report. The report also found that it takes an aver ..read more

Traveling to Mexico: Why getting travel insurance is worth it If you’re planning on traveling to Mexico, it’s important to look at getting insured before you go. There are a lot of risks associated with travel, and being properly protected can save you a lot of money and hassle in the long run. Here’s why getting insured before you travel is worth it. Traveling to Mexico is a popular vacation destination for many Americans, especially Arizonans With its beautiful beaches, fascinating ruins, and vibrant culture, Mexico is a very attractive destination for many Arizona travelers. From Cancun ..read more