Homeowner
Lightning & Wind and Rain…Oh My!
Last night was another beautiful example of Arizona’s beautiful monsoon storms that pass through every year. I was putting Hayden, my 3 yr old, to bed last night as the clouds opened up and let loose.
As a child growing up here, I remember sitting in the garage with my parents watching the wind [...]
September 11th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner
How Do You Know You Have The Best Price On Your Insurance?
Wow, it’s been a very busy month here. A lot of people are feeling the financial crunch from the rising gas prices and are looking for lower car insurance rates. I’ve also seen a few people shopping for insurance quotes after buying motorcycles and hybrids as another way to help lower their gas [...]
August 1st, 2008 · · by Matt Fox · · No Comments
Posted in: Auto, Homeowner
What Would You Do If Your Home Caught Fire At 12:55 In The Morning?
My bride hasn’t been sleeping well since she had surgery 11 days ago. She woke up again from discomfort (and our screaming cat) and then wakes me up.
"Matt, I smell smoke."
I did too. It was strong. I immediately jumped out of bed.
Kathy runs to check on our 3 yr old and 1 yr old and [...]
June 30th, 2008 · · by Matt Fox · · 1 Comment
Posted in: Homeowner
Rising Gas Prices And Low Cost Auto Insurance?
Recently, I’ve been receiving more and more calls from people shopping their auto and home insurance. (Of course, this makes me happy because a very large percentage of the people that call become our client.) One question I usually ask is, "Why are you shopping your insurance today?" I have been getting [...]
June 23rd, 2008 · · by Matt Fox · · No Comments
Posted in: Auto, Homeowner, Motorcycle
Switching Insurance? You Have To Cancel The Old Policy
I think most people are afraid to switch their insurance because they’re afraid to tell the old agent “goodbye.” Leaving relationships is difficult. Nobody wants to be the bad guy. You also don’t know if the other agent is going to try and “sell you” on reasons to stay. Then you’ll have to say “goodbye” [...]
April 30th, 2008 · · by Matt Fox · · No Comments
Posted in: ATVs, Boats, Other Toys, Auto, Business Insurance, Homeowner, Personal Insurance, Teenage Drivers
NEW-Home Replacement Cost Estimator Form
I just added to the site a Home Replacement Cost Estimator Form. This form will give you an idea on what it would cost to replace you home if it were a total loss. Since it’s your responsibility to keep your home insurance policy up to date, this could be incredibly helpful to prevent inaccuracies in the [...]
April 20th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Personal Insurance
Your Home Insurance And The Finer Things In Life
The traditional home insurance policy covers things most people own: the home, furniture, clothing, etc. It’s a nice package policy with very basic coverage. If you own things like jewelry, guns, art, silverware you may have a shortage in coverage.
The traditional home insurance policy (which most people carry) has the following special limits on these [...]
April 18th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Personal Insurance
Where You Live Can Affect Your Car Insurance Rates
Your home and car insurance rates can be greatly affected by what zip code you live in. If you’re an insurance geek, like me, you’ll find it fascinating to learn of the many factors that drive insurance rates. I won’t bore you with all but here’s another one of the biggies…your zip code.
If you live [...]
April 14th, 2008 · · by Matt Fox · · No Comments
Posted in: Auto, Homeowner, Personal Insurance
Dog Bites, Home Insurance And You
I remember skateboarding as a kid down the street. My younger sister was right behind me on her skates. The neighbor a few houses down had his two Dalmatians out while washing his car. The dogs looked scary to my sister so she crossed the road. Being the big brother I had to prove it was [...]
April 11th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Personal Insurance, Personal Umbrella
Insurance For Your Condo, What Are The Basics?
If you own a condo, there are often many questions about what your association’s insurance will cover and what it won’t cover. Also, we often hear, “Why do I need insurance when the association has insurance?”
What a unit owner policy covers:
Personal Property: This is your stuff. Turn your home upside down and shake it. Everything [...]
March 27th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Personal Insurance
Do You Own A Vacant Home?
The change in the real estate market has caused some people to move and vacate their previous home while leaving it on the market. Or, they have listed the home for rent and are unable to find a renter to lease.If your home is vacant you need to make sure your policy is up to [...]
March 21st, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Personal Insurance
A Critical Home Insurance Coverage Option You Want To Have
A typical home insurance policy has many built in limitations on coverage. One is a limitation on rebuilding costs. A basic home insurance policy will pay, up to the policy limits, only the amount to repair or rebuild your home to its original condition. This does not take into account any additional rebuilding costs which [...]
March 17th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Insurance Agents, Personal Insurance
“How Much Should I Insure My Home For?”
It depends on who you ask. If you ask your Realtor®, they may say you have to insure your home for the market value. If you ask your mortgage broker, they will say it has to be enough to cover your mortgage. If you ask your insurance agent, they’ll say your home insurance needs to [...]
March 12th, 2008 · · by Matt Fox · · No Comments
Posted in: Homeowner, Personal Insurance
Home Insurance, Don’t Be Fooled By The Use Of “Replacement Cost”
When I’m talking with prospective clients, I’m often surprised at how many people don’t realize that your home insurance does not guarantee the rebuilding of your home. The typical policy issued by almost all insurance companies including Allstate, State Farm, Farmers, Nationwide, and the many other ‘on the corner’ insurance companies will only pay up [...]
March 5th, 2008 · · by Matt Fox · · 1 Comment
Posted in: Homeowner, Personal Insurance
The Real Key To Low Home and Car Insurance Premiums
Everyone wants the lowest price they can get on their home, auto and other personal insurance. I don’t feel out of line making that bold statement.
It’s funny how almost everyone we talk with starts going down a list of things that may or may not qualify for discount. They’ll say they qualify for various discounts [...]
March 4th, 2008 · · by Matt Fox · · No Comments
Posted in: Auto, Homeowner, Insurance Agents, Personal Insurance