Author: agentinsure

3 Tips To Conduct A Home Inventory

Posted on by agentinsure

When you have a home in Oro Valley, AZ, it is important that you conduct a home inventory in order to work alongside of your home insurance. It will ensure that you have calculated the total value of all of your belongings. This can help with finding the right coverage and allow insurance companies to complete a claim much faster.

When you are conducting a home inventory in Oro Valley, AZ, Old Pueblo Insurance offers some tips to assist you every step of the way.

Go Room by Room

Conducting a home inventory is not something that’s going to be quick. You want to go room by room in a very methodical way. You can create the inventory on a notebook, though it should eventually be transferred onto the computer so that you have a digital record.

Go into every bedroom, and write down what is inside. Go into closets, drawers, and everything else. Don’t leave a single aspect out because you could be missing thousands of dollars’ worth of household belongings.

You should also inventory your garage, attic, basement, and any other rooms that you may not spend time in on a daily basis.

Take Photos

As you write everything down on the home inventory, take photos. This will make it easier to show that you actually have the items. Be sure that your camera is capable of putting a date/time stamp on everything. This way, the insurance company cannot come back and say that you purchased something after the date of the accident or incident.

Save Receipts

You want to save receipts for everything that you purchase of value. This includes furniture, jewelry, artwork, and anything else that you may have. It will not only help you to establish what you pay for the items, but also make it easier to prove this to the insurance company.

Learn more about home insurance by contacting Old Pueblo Insurance today.

 

 

3 Reasons Why You Should Get Commercial Insurance

Posted on by agentinsure

As a business owner in Oro Valley, AZ, you want to do right by her business. This means obtaining a commercial insurance policy. While you may not want to spend the money, there are a variety of reasons as to why you should. It can provide you with peace of mind all year long knowing that the coverage is in place if you need it.

It’s Required

One of the main reasons why you might need commercial insurance is because it’s required. Not all commercial insurance is a requirement, and not all businesses require it, but there are instances where it is. For example, if you have commercial vehicles, you will need to obtain commercial auto insurance. If you work within certain industries, you may need liability insurance. An independent insurance agent can guide you through the coverage to determine what is required based upon your business.

It’s Affordable

Commercial insurance is a lot more affordable than you might think. When you take the time to make comparisons between the different companies, you can see who has the best premiums. Further, you may be able to get all of your commercial insurance from one company. This can save you even more because of the discounts that are available.

It Offers Protection

Finally, you want to have commercial insurance because it is going to offer protection. Whether you need to make repairs to a building, replace inventory, or deal with the lawsuit because of negligence, you are going to want to lean on the insurance company for financial assistance. If you have to pay everything out of your business, there may not be anything left – and this could cause you to close your business forever.

Contact us at Old Pueblo Insurance today to learn more about commercial insurance.

5 Tips for Finding the Best Motorcycle Insurance in Oro Valley, AZ

Posted on by agentinsure

Motorcycles are so much fun to the people who own them, and let’s face it, they’re pretty cool too. However, they’re also laced with a variety of potential hazards. Consider these 5 tips for getting the best motorcycle insurance possible, so can feel more prepared and confident driving with the nothing but the open road in front of you.

1. Theft

Motorcycles are very easy to steal, and thieves love to see one anywhere. Even the best locking systems can fail, so it’s recommended that you have full theft coverage on your motorcycle.

2. Weather

Ora Valley can get some unexpected weather, and even a few moments on the wrong conditions can put you in real danger. Consider what other drivers do when they’re faced with unfamiliar driving conditions before you make your final choice.

3. Bodily Injury

Hopefully you never have to deal with this, but motorcycles simply can’t offer the same safety measures that cars can. Having as much insurance as possible in a crash, even if it’s not your fault and even if you have medical insurance, can really help take some of the financial burden off you.

4. Vandalism

Accidents and vandalism happen, and motorcycles can be damaged pretty easily. Aside from trying to visit safe areas on your bike and just using general good sense, you may want to consider just how costly it can be to sustain some type of structural destruction.

5. Company Matters

Choosing a good company is one of the best ways to get good motorcycle insurance. Old Pueblo Insurance in Oro Valley, AZ can talk to you more about how you can best stave off disaster with the right policy. We know the good and the bad of bikes of all kinds Call today for a quote!

 

Is Your Boating Insurance Adequate

Posted on by agentinsure

Boating is an exciting and fun way to enjoy the waterways of Arizona. If you own a boat that is larger than a canoe or small sailboat that travels at a speed under 25 mph, such as a yacht or other personal watercraft, you should consider the importance of purchasing boating insurance. The independent insurance agents of Old Pueblo Insurance provide you with the information regarding your Ora Valley, AZ boating  insurance needs. We are professionals dedicated to finding the correct coverage that protects you and your boat in the event of an accident, resulting in financial loss.     

Determining What is Adequate Insurance Protection

Boating activities in the State of Arizona are regulated by the Game and Fish Department. At the time you register your boat, you are not required to purchase boating insurance; however, given the value of this type of investment, it is in your best interest to purchase adequate coverage. Your boating insurance, at a minimum, should cover:

  • Hull, attached equipment, furnishings and fixtures against physical damage or loss.
  • Bodily damage.
  • Liability for anyone other than you as the owner using the vessel.
  • Theft of property.

An independent insurance agent can work with you to assess your needs and provide you with the policy that meets your boating insurance requirements.

Finding the Right Boat Insurance

The independent insurance agents of Old Pueblo Insurance are available to provide you with the information you need for your boat insurance protection. Before you purchase any form of protection for your yacht or other personal watercraft, you should consult with an Old Pueblo agent in order to obtain the information you need to make an informed decision.  We serve a broad area of customers in Arizona, from Tucson to Red Rock. We also meet the boating insurance needs of customers in New Mexico, Ohio and Michigan. Get the information for your important boat insurance policy by contacting an independent insurance agent at Old Pueblo now.