Rush Hour Fender Bender – What You Need To Do

Posted on February 28, 2025February 20, 2025 by admin

Rush-hour fender benders are common in the country when Fraz. Frazzled their way to or from work get into mioften nor traffic accidents. Usually, the damage to vehicles is minor, but repair costs can add up quickly, leading to unexpected financial burdens. At Precision Insurance Team in Mesa, AZ, we help our clients acquire the auto insurance they need to cover damage when these minor incidents occur.

Handling Minor Accidents: Your Responsibilities

As a driver, your first responsibility is to check if anyone has been injured. If an injury has occurred, call 9-1-1 immediately to come to the scene. If both vehicles are drivable, move them out of the stream of traffic. Take pictures of any damage to both vehicles and images of the location of the accident. Exchange insurance information with the other driver. You may not have to report the accident in Arizona if the damage was minor and no injuries or deaths occurred.

Reporting Minor Accidents to Your Insurance Company

If the damage is minor and below the amount of your deductible, you may wish to pay for repairs yourself without involving your insurance company. However, contact your insurance agent if the damage exceeds your deductible level.

Choose Precision Insurance Team in Mesa, AZ for Your Auto Insurance Needs

A sudden fender bender accident can be an upsetting experience, but if you know your responsibilities, you can take the necessary steps and reduce your stress. Your insurance agent can offer additional advice on what to do if you are involved in a minor accident. We offer coverage for auto, motorcycles, home, RVs and business. Contact Precision Insurance Team in Mesa, AZ today for a no-obligation quote on auto insurance to ensure you are ready when minor rush hour fender benders occur.

Understanding Renters Insurance in Arizona: Is it Mandatory?

Posted on January 27, 2025January 23, 2025 by admin

According to Forbes, 52% of Americans lived in an apartment in 2024. With a majority of Americans being renters, the topic of renters insurance is increasingly relevant. If you choose to rent in Mesa, AZ, you may wonder if renters insurance is legally required. While it is not a legal requirement, that doesn’t mean you should avoid obtaining one.

Can Property Owners Require It?

Some property owners require tenants to acquire renters insurance. This helps them recoup losses and damages that occur during your occupancy. It’s crucial to read and ask questions about your lease with the property owner so you understand their expectations. It’s also important to ask questions and obtain coverage from the Precision Insurance Team.

Conversely, the landlord or property investment representative must convey their requirements for renters insurance in the lease. The property owner must provide a justifiable reason and a reasonable timeframe for tenants to obtain renters insurance. The reasons landlords could require renters insurance are:

The distance between rental units is close enough to cause damage to neighboring units (e.g., fires, water leaks, smoke, etc.)
The property location is in a high-risk natural disaster area (flooding, wildfires, etc.)
The property unit shares home amenities with another unit

Additional Interest

Sometimes, tenants would show proof of rental insurance to the property owner only to drop it the next day. Property owners may want to attach themselves to your insurance to confirm it remains valid for the duration of the lease. This is called additional interest. They will see any changes you make to your insurance, including canceling the policy. However, they do not have the authority to alter your insurance.

It’s still a good idea to visit Precision Insurance Team and secure renters insurance. It covers lost, stolen, or damaged belongings and injuries inside and outside the rental property. Without it, you are responsible for replacing your belongings and paying for injuries. Call or stop by our Mesa, AZ office to obtain renters insurance.

Understanding Coverage B Home Insurance

Posted on December 23, 2024December 19, 2024 by admin

Mesa, AZ, is an attractive place to live, offering affordability, safety, a thriving economy, and a wealth of amenities and entertainment opportunities. However, the area is also prone to wildfires, flash flooding, earthquakes, and severe thunderstorms. If you’re considering buying a house here, ensuring it has sufficient coverage to provide compensation in the event of an unfortunate incident is crucial.

What is Coverage B Home Insurance and Why is it Important?

Coverage B, also known as Other Structures Coverage, covers outdoor structures on your property, such as fences, detached garages, sheds, and gazebos.

If you don’t have many outdoor structures, a standard home insurance policy, which covers 10% of damage to outdoor structures, may suffice. This can provide extra cash to repair or replace less expensive structures like a freestanding carport. However, if you have multiple and/or costly outdoor features, you’ll want full coverage to rebuild these if necessary.

Coverage B provides compensation for all named perils in your policy. However, it won’t cover damage caused by regular wear and tear or lack of maintenance. For instance, if your detached garage is damaged in a storm, but your insurer finds that it was already partially damaged due to lack of care and maintenance, you may receive less compensation than expected or have your claim denied entirely.

Learn More from the Precision Insurance Team

Precision Insurance Team specializes in helping Mesa, AZ homeowners find the home insurance coverage that best meets their needs. Contact us to learn more about your coverage options or to get a price quote on the policy of your choice.

Does Auto Insurance Cover Loss or Damage to Items in a Vehicle?

Posted on November 25, 2024November 21, 2024 by admin

Vehicle thefts are on the rise. Therefore, it’s understandable that vehicle owners in Mesa, AZ, would be concerned about their vehicles and personal items inside a vehicle. Unfortunately, car insurance doesn’t cover the theft or loss of valuable personal belongings. However, other forms of insurance can provide compensation if something happens to items stored or transported in your vehicle.

Home Insurance

If your vehicle is parked in your garage or driveway, a home or renter’s insurance policy will compensate you if your personal belongings are lost, stolen, or damaged by inclement weather.

Business Personal Property Insurance

This policy is ideal for storing valuable business assets such as tools or inventory inside a vehicle. Business personal property insurance covers items in a vehicle as long as the vehicle is parked on your business premises or no further than 100 feet away from the business.

Umbrella Insurance

Umbrella insurance offers more coverage and higher coverage limits than a regular insurance policy. Pair it with comprehensive coverage, a homeowner’s insurance policy, or valuable personal property insurance to ensure items that are important to you are always fully protected.

Contact Precision Insurance Team for More Information

Precision Insurance Team specializes in helping Mesa, AZ residents find excellent insurance at a great price. We’re locally owned and operated and offer multiple insurance policy options to help you find coverage that meets your needs. Additionally, we take pride in offering high customer service to each person who calls or walks through our doors. If you’re looking for a specific type of coverage or would like to explore your options, contact us at your convenience.

What to Specify When You Buy Renters Insurance

Posted on October 28, 2024October 21, 2024 by admin

Sometimes, when a policyholder files a claim with the Precision Insurance Team, they discover that their purchased policy doesn’t cover the incident. We don’t like it when that happens because we care about each of our Mesa, AZ, clients. Today, we’ll explain how to ensure a policy covers everything a policy owner owns.

What Renters Insurance Does

A renters’ policy covers items belonging to the policy owner. Each policy typically includes a dollar amount of coverage for all belongings. In some policies, this could be as little as $1,000 of coverage. When your insurance agent suggests a policy, ask for its personal property maximum because $1,000 might seem like a lot until a peril damages everything in your rented home. Would $1,000 cover your clothing, furniture, computer, smartphone, stereo, and television? Probably not.

Increase the Personal Property Coverage

Please make a list of your big-ticket items and their cost. Include your clothing, especially your professional wardrobe, in this list. Add up their value. That figure equals the minimum coverage you need. Share the list with your insurance agent and ask them for suggestions to strengthen the policy.

Add Endorsements to the Policy

Some items only receive full coverage if you add an endorsement for them. Also called an add-on, this process provides coverage for a specific named item at its full value. Many people add an endorsement for their engagement ring. Other commonly endorsed items include musical instruments, photography equipment, and home gym equipment like a Bowflex.

Include Off-site Items

Do you rent a storage unit? The policies bundled with many storage units cover very little and only under stringent conditions. You can add your storage unit items to the renters’ policy that covers your apartment. Tell your agent about the unit and its contents, and ask to include it. This way, one renter policy covers all items.

Contact Precision Insurance Team Today

Don’t let your precious personal belongings go uninsured. Contact Precision Insurance Team today to insure everything you own in your rented home in Mesa, AZ.

How to Protect Your Mesa, AZ Home from Extreme Weather

Posted on September 30, 2024September 26, 2024 by admin

Living in Mesa, AZ: Dealing With Extreme Weather and Securing Your Home

Mesa, AZ, is popular for its hot, dry climate, often resulting in residents utilizing their AC units significantly.

The Precision Insurance Team offers a few practical tips for Mesa locals and some professional suggestions on protecting your Arizona dwelling from the devastating effects of extreme weather. Read the guide below.

Understanding Mesa, AZ’s Typical Climate and Extreme Weather Challenges

Living in the Sonoran Desert presents a unique set of weather extremes and challenges, which may include:

Extreme Heat: Local residents are all too familiar with the discomfort of coping with extremely hot temperatures that can exceed 100 degrees during the summer months.
Windstorms: While spring and fall bring some relief from intense desert temperatures, the likelihood of property-damaging windstorms increases.
Monsoon-Like Rainfall: Mesa residents must find realistic solutions to manage the brief but intense monsoon-like rainfall that interrupts the desert’s long periods of extreme heat.

Protect Your Mesa, AZ Abode with Comprehensive Homeowners Insurance

Even the best homeowners insurance cannot prevent nature’s wrath. Still, it can help lessen the financial burden associated with recovering from local weather extremes and ongoing challenges.

Comprehensive homeowners’ insurance acts like a safety net for local dwellings, offering a series of coverage, including:

Dwelling Coverage
Contents Coverage
Liability Coverage

Specialty Coverage: Flood Insurance, Windstorm Coverage, Earthquake Coverage

Obtain a Mesa, AZ Home Insurance Quote

Contact a trusted local insurance professional for more information and professional advice on the optimal coverage available for your home and family.

Agents from the Precision Insurance Team are prepared to provide you with the best available options and a comprehensive home insurance quote to help you protect your most valuable investment.

Is having auto insurance always necessary in Mesa?

Posted on August 30, 2024August 22, 2024 by admin

If you are living in the Mesa, AZ, area, owning or leasing a reliable mode of transportation is often a good option. If you own a vehicle, you will have a much easier time getting around the community. Along with enjoying air conditioning, you must also select the right insurance plan. An auto policy is necessary here for many reasons.

Meet Legal Requirements

You will always need auto insurance to comply with state law. Anyone who wants to drive a vehicle in Arizona on a public road must follow the legal requirements for liability insurance. Ultimately, this provides support for anyone you are involved in an accident with, which ensures you can cover any damages you may cause.

Protect Vehicle

You also will need to have auto insurance if you are concerned with protecting your own vehicle. Buying a vehicle today can be a very expensive investment and will require you to take out a loan in many situations. When you have a full comprehensive and collision insurance plan, you will get the support you need to make repairs when necessary. Without this, you will have to make all such repairs or replacements out of pocket.

If you would like to buy a car and are in the Mesa, AZ, area, you always need to have the right auto insurance in place. However, you will find that there are a lot of options to consider, and our team, the Precision Insurance Team, can help you build an appropriate policy. Our professionals with the Precision Insurance Team will give you any guidance you need to insure your vehicle appropriately.

Three Lesser Known Features of Renters Insurance

Posted on July 30, 2024July 25, 2024 by admin

There’s been an influx of people in Mesa, AZ, opting to rent rather than own a property. This makes having a renters insurance policy that covers your assets crucial. Our representatives at Precision Insurance Team can help you get the right coverage and explain more about these three perks many policyholders aren’t aware of.

1. Personal Property Coverage When Traveling

Renters insurance covers more than the dwelling. These policies include coverage for your personal property when you are traveling or moving. It protects items in your hotel room or vehicle, lost luggage, and other places along the journey. Be sure to check your policy for restrictions and limitations.

2. Fire Protection

Many renters don’t realize that their landlord’s fire insurance doesn’t cover losses of tenant’s personal property due to fires. Replacing your possessions can be costly, but renters insurance pays for losses related to fire, vandalism, and theft.

3. Liability Protection

Renters with guests and visitors have a certain level of responsibility to ensure their safety while they’re on the property or in the dwelling. You can be held financially liable to cover their medical expenses if someone gets injured. Renters insurance provides liability protection to cover some or all of these costs, including legal fees.

Let Us Get You Covered As a Renter

Having premium renters insurance coverage has an array of benefits, including protecting your property and guests against many common incidents. If you are transitioning from owning a home to renting one or are becoming a first-time renter, the Precision Insurance Team in Mesa, AZ, is here to guide you through the process. Contact us by phone or online to get any questions answered, and let us give you a quote for renters insurance today.

Do You Need Additional Home Insurance Coverage?

Posted on June 28, 2024June 27, 2024 by admin

Determining how much home insurance coverage you need isn’t always easy, and working with a professional to get the answers you’re looking for is better. If you’re in the Mesa, AZ, area, the Precision Insurance Team can help. Our dedicated agents will walk you through your coverage options to make choosing the policy that fits your needs more leisurely.

In some cases, it’s important to have additional protection, and we can discuss your situation to determine whether it is right for you. If you have a house that’s not typical or that you’ve made big changes to, for example, you might need to adjust your coverage. Additionally, having items in your home that might not be protected by a standard policy can mean you need protection that goes beyond normal limits.

Working with a trusted insurance agent is the right choice when you’re looking for home coverage because it gives you the chance to ask plenty of questions and get the information you need. You can also get quotes from multiple insurers so you can decide which company you want to work with and whether a particular policy will adequately meet your needs. Whether you already have a policy of you’re looking for a new one, we’re here to help.

Contact us at Precision Insurance Team today if you’re in the Mesa, AZ, area and looking for home insurance coverage. We can discuss all the options and help you determine whether additional coverage is right for your situation. You don’t want to miss out on vital protection for your home and belongings, and we’re here to increase your peace of mind. Then, you can enjoy your home more fully for the long term.

First-Time Driver? Get Insured in Mesa

Posted on May 30, 2024May 30, 2024 by admin

Becoming a first-time driver is an exciting milestone, and ensuring you have the right auto insurance is crucial. At Precision Insurance Team, we specialize in helping new drivers in Mesa, AZ, obtain comprehensive yet affordable auto insurance.

Driving in Mesa can be thrilling but challenging, with busy roads and varying conditions. That’s why it’s essential for first-time drivers to secure insurance that meets Arizona’s legal requirements and provides substantial protection against the common risks on the road. At Precision Insurance, we understand that starting can be daunting, so we are dedicated to making the insurance process as straightforward and supportive as possible.

We offer personalized service to match you with the best coverage that suits your driving needs and budget. From collision and liability to comprehensive coverage, we ensure you know what each policy covers and how it benefits you as a new driver in Mesa, AZ. Precision Insurance Team is committed to providing the tools and information needed to make informed decisions about your auto insurance.

Remember, the right auto insurance does more than protect you financially from accidents. It also gives you peace of mind as you gain experience on the roads of Mesa. Whether you’re commuting to school, work, or just exploring what Mesa has to offer, having the right coverage means you’re prepared for whatever comes your way.

If you’re a first-time driver in Mesa looking for auto insurance, don’t hesitate to contact Precision Insurance Team. Let us help you start your driving journey on the right foot. Reach out today and find out how we can tailor the right policy for you and ensure you are protected on every trip.

Precision Insurance Team

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