#carandrentersinsurance

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There are many different things to take into account when you are starting a business. However, you may not be thinking of all of the things you may be held liable for. You may be too busy thinking of your products, your services, and the passion of your industry. This is where our insurance professionals can come into play. We will be able to help you effectively and easily secure the right liability insurance in Arizona for your business.

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Finding The Right Arizona Auto Insurance | Insurance Professionals of Arizona

Driving in Arizona might seem like a very easy thing to do. There isn’t much snow, not that much rain, and for the most part, there are wide-open roads. Piece of cake, right? Well, this is true only if you have Arizona auto insurance. Imagine how difficult any future driving will be after you see flashing lights behind you, the officer asks for your insurance, and you have none.

Arizona auto insurance laws are no joke. Be prepared to get your license taken away for a year and pay a hefty fine of $1,000. As you can see, finding the right auto insurance in Arizona is a simple thing to do as long as you follow some easy steps.

Don’t Go with the First Insurance You See

When purchasing just about any product, you want to make sure to shop around for a while first. Many online sites are able to help you compare different auto insurance quotes. Make sure that you are looking at customer reviews as well.

By comparing insurance companies side by side, you can get a much better look at what each company is offering. If looking for different insurance companies online is overwhelming for you, don’t worry! There are new tools online that will give you quotes at the click of a mouse. Just sit back and relax while the quotes come to you!

Best Arizona Auto Insurance for You

The best option by far is using an insurance broker. Brokers like ours at Insurance Professionals of Arizona are able to use their extensive knowledge of the complexities of insurance to get you the most discounts and best value plan.

Rely on us to walk you through your different options and do the heavy lifting for you.

Take a Look at the Different Arizona Auto Insurance Discounts You can Apply

In most cases, drivers can find one or many discounts that they can apply to lower insurance rates each month. These discounts can range from good student discounts to military service discounts.

Good student discounts are great for high school students who usually have very high insurance rates due to their young age and inexperience with driving. Simply providing your insurance company with a copy of a report card can often lower the rates to pay each month on your Arizona auto insurance.

Good driver discounts are becoming more and more common nowadays, too. They use small GPS and data trackers that you can place in your car to earn safe driver discounts. However, you need to make sure you keep speeding to a minimum.

Choosing the Right Deductible can Make a Big Difference

Learning about your auto insurance deductible is going to make a big difference in how much you are paying in premiums every month. If you are willing to pay a larger deductible when you do get into an accident, you will pay substantially less in insurance premiums. On the other hand, if you want to have very low deductibles (again) when you get into an accident, your insurance premiums must be much higher. This is a decision that you and your broker can make, based on the type of driving that you typically do.

For example, if you are using your truck at a construction site, it is more likely that something will damage your vehicle. In this case, you may want to have a much lower deductible. That will allow you to pay less than you otherwise would over time.

Consider Adding Additional Coverage

There are even more convenient coverages you can add to your insurance policy than you might think!

For example, having a rental car policy will help you when you get into an accident. This policy will help you get a replacement car after an accident while yours is being repaired.

Roadside assistance is also an extremely convenient coverage option if you become stranded on the road with a flat tire or other auto issues.

Gap insurance is a great idea to have on your policy, as well, if you are still paying off your car (which will help you pay off your remaining loan).

These are just a few of many additional coverages you may be interested in adding to your policy.

Professional Options

Arizona auto insurance can be confusing, and you do not have to figure it out on your own.

Finding the right auto insurance no longer has to be a hassle like it was years ago. There are simple ways to prepare yourself to find the right insurance policy that will work for you. The tools available online will help make your experience shopping for the right auto insurance much better. It is now easier than ever to sit back at home and start saving money online by purchasing the right insurance policy.

At Insurance Professionals of Arizona (IPA), you can be sure that you are getting the right coverage for your situation.

Professionals are standing by waiting to help you find the right insurance. Don’t wait any longer. The right insurance is waiting for you right around the corner. Call today! 480-981-6338

Ready to make the switch and get amazing auto insurance?. https://www.insuranceproaz.com/

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The 10 Best Facts About Short Term Rental Insurance in Arizona

When renting out a property or your personal space, you may come across short term rental insurance in Arizona. This is a great option for those who want to rent out their space for a short amount of time. You may save money when switching to short term insurance and get the coverage that you need.

Here are some of the most common questions we at Insurance Professionals of Arizona (IPA) get about hazard insurance for businesses:

1. What is Short Term Rental Insurance in Arizona?

What is short term rental insurance in Arizona? It is a common question that comes up when clients are looking for insurance for a space that they are renting out. You may have heard of renters insurance, landlord insurance, liability insurance, and homeowners insurance.

Short term rental insurance is a specific type of insurance. It is meant solely for those who rent out a place for a short amount of time. Most insurance policies classify short term insurance as less than 62 days. This type of insurance is great for those using their space as a vacation rental.

2. Replacement Cost and Short Term Rental Insurance

Short term rental insurance in Arizona covers replacement costs. This is great for you as a rental owner because if anything happens, you use your insurance. Examples of replacement costs include refrigerators, room damages, and furniture. These are things that guests and clients can damage or ruin during their stay.

When it comes to the actual cost of the item that needs to be replaced, it can be a little confusing. You may have bought something that cost 150 dollars several years ago. If it is damaged, you will receive the amount of money that it is valued at now. This allows you to put the money towards a new fridge or whatever has been damaged.

If you have more questions about replacement costs or any other costs, be sure to reach out to your insurance agent. They can give you a better idea of what your short term rental insurance in Arizona will cover and how much they will cover for replacement costs.

3. Covered Loss

Covered loss is another term that you may hear when talking about short term rental insurance. You may hear the term when discussing insurance in general. It is important to know what losses will be covered if your property is damaged somehow. That way you will know how to budget and what you will need to buy if something becomes broken or needs to be fixed.

There are several items that are covered when it comes to covered losses. These include property loss, injury, and even death on your property. What exactly is covered is determined by the insurance provider and the insurance package.

It is important to know what is going to be covered before you sign the insurance papers. If something is not covered that you feel needs to be covered, ask for other options. Your insurance agent should be able to provide you will more insurance packages.

4. Rental Home

Having a rental home is a great way to have extra income. When it comes to insurance, you will need to choose how you are going to rent out your home. If you are doing something more long term, longer than 62 days, you will want to look into landlord insurance.

Landlord insurance is something that Insurance Professionals of Arizona offers as well as short term rental insurance. If you are looking for shorter term rental insurance, short term rental insurance is a good fit.

5. Business Insurance and Short Term Rental Insurance

Business insurance is going to be something that you will need if you have a business. It is helpful in covering your building location and the products that you are selling. You may need to get several types of insurance for your business. Be aware of what you are getting with each insurance package.

Short term insurance is good for people who are using online platforms to rent out their space. One qualification for short term insurance is that people can’t stay for more than 62 days in that space. This is great if you rent out a room or space during the holiday season.

6. Short Term Vacation Rental

Short term rental insurance is perfect for short term vacation rentals. It is perfect if you use an online service such as Airbnb or VRBO. These sites do not have insurance that benefits you or covers any damages that can occur.

If or when you decide to get short term rental insurance, it works similar to any other type of insurance. You will meet with someone, either in person or online. They will go over what your insurance package covers and what you need to sign. From there you will pay either annually or monthly.

7. Proper Insurance

If you do a quick internet search for renters insurance, you will find a lot of different insurance options. There are many options that include renters insurance, personal property, additional living, and liability insurance.

These are all wonderful options but there tend to be some gaps in coverage. This can leave you in an odd situation if you need to use insurance but your insurance policy doesn’t cover it. We suggest making an appointment with an insurance agent if you are not sure what kind of insurance you need.

If you do not know where to start, give us a call at (480) 981-6338 to schedule an appointment with an insurance professional. They can help you sort out what you want to be covered and what type of insurance you are going to need. From there, they can present different insurance package options. You will be able to choose an insurance package that fits your budget and coverage needs.

8. Renting Your Home in Arizona

If you are renting out your home, you know that it is a big deal. You have people that are using and living in your place. There are situations where you may just be renting out of your basement or a separate level of your house. This is a great way to make some extra money to use for your mortgage or other expenses.

It is common to think that your home insurance will cover your whole home when you rent it out. Home owner’s insurance does not cover any rental area. This means that you will need to get another type of insurance that will cover your rental property if anything happens to it.

You have several different options when it comes to insurance and renting out your home. If you are looking to rent it out year-round to renters, you will need landlord insurance. But if you want to rent it out for shorter amounts, like a vacation rental site, short term rental insurance may be a great fit for you.

9. Airbnb

When you sign up to rent your property out with Airbnb, you may come across a document that says that Airbnb offers free renters insurance. This sounds like a great option and when you see that they offer 1 million dollars in coverage. The coverage is both for property and liability.

But here’s the catch. While it may be free, it is not actual insurance. You read that right, it does not actually cover you in terms of insurance. The coverage that Airbnb has is known as commercial property insurance and it is for Airbnb. They are in control of who they choose to cover and what they want to cover.

If something serious happens to your rental place, it is safe to say that Airbnb is not going to cover it. That is why you should look into short term rental insurance in Arizona. Short term rental insurance in Arizona is going to offer you real cover for any damage that is done to your rental property.

10. VRBO

VRBO is going to be similar to Airbnb. You will want some type of insurance if you are renting out your space. There is a tendency to think that you can just add coverage to your home insurance. This is not the case and if you need to use it, your claim will most likely be denied.

Short term rental insurance in Arizona is a good option if you want to have coverage over your property. Keep in mind that short term rental insurance in Arizona does not cover the damage caused by your family or relatives. It does cover damage done to your property when renting it out to people.

When thinking about short term rental insurance in Arizona, it is best to find an insurance professional. They can answer any questions or concerns that you may have. At Insurance Professionals of Arizona, we love answering questions about all things insurance-related.

At the end of the day, short term rental insurance in Arizona is a great option for anyone who is looking to rent out their space for a short amount of time. Have a minute or two? Fill out our online quote to see what short term rental insurance in Arizona will cost you.

Here at IPA, We Care About You

Our business has over 15 years of insurance experience in the State of Arizona. IPA strives to make your insurance experience as smooth as possible. That is why we offer online and in-person options for you. This allows you to choose what is going to be best for you and your situation.

We want you to feel comfortable about getting insurance. Let us answer any questions you have. We let you choose from over 40 insurance providers. This lets you have control over what matters most to you. We provide both personal and professional insurance options.

Hazard insurance for businesses is a great option that any business owner should look into. Different coverage options can fit within any budget. If you have any questions about hazard insurance or what is best for your business, give us a call.

At IPA, we have insurance specialists that are knowledgeable about all things related to business insurance. Even if you have general questions or do not even know where to start, we can help you out. Let us show you how we can help protect your business. Start today by getting a quote for hazard insurance online.

We’re here to help! Call us today. 480-981-6338

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A car and renters insurance bundle can be the right choice if you want to save money. Usually, you have individual policies for the different aspects of your life. These can be things like your health, car, home, and life insurance. So many insurance companies offer various policies at different prices. So it can be a bit confusing keeping track of everything. But this doesn’t have to be the case if you find an insurance company that offers a bundling option. https://www.insuranceproaz.com/car-and-renters-insurance-bundle