Who's going to Mexico???

Who's going to Mexico??? We have our sombreros, maracas, a good attitude, and are ready & willing to travel

Even if we can't go with you, we can sell Mexico insurance for your trip.                                                        As a Farmers Insurance Agency Owner, I exclusively insure my clients through Border Solutions. As www.bordersolutions.com states; you may think that with your US auto insurance, you are covered when you cross the border into Mexico.                                                               

Here are a few facts you must know before travelling to Mexico:

• Traffic accidents in Mexico can be considered a felony.
• In the event of an accident, Mexican authorities will demand proof of financial responsibility and may not accept an American insurance policy.
• Drivers may be detained by the Mexican authorities at the scene of an accident if they do not have proper documentation.
• Vehicles can be impounded at the scene of an accident and kept until authorities determine what happened.

If you're traveling to Mexico, you must have proper insurance coverage not only to meet Mexico's legal requirements but also purchase peace to mind. You may rest easily knowing that you're taken care of by someone you trust.                                                              
All of the above and much more can be avoided with proper Tourist Auto insurance coverage as Border Solutions and help from a recognized Mexican carrier such as Zurich Mexico which is a Farmer's sister company.

If you're preparing for an upcoming vacation road trip to Mexico; one of the most important things to consider is Mexico Auto Insurance. Get peace of mind for your upcoming trip, with Border Solutions Online you can quote & buy your Mexico Auto Insurance Online.                                                  

                              Call the April Schaffroth Farmers Insurance Agency 602-297-5155 or www.insuranceinaz.com.

Either way, call us before you go! Have a fun and safe Cinco De Mayo celebration!

Congratulations to all the 2017 Graduates!

Congratulations to all the 2017 Graduates!                               If you are planning to host a graduation party please make sure to check your insurance before hand. You do NOT want to spend your college savings to pay for an uncovered loss.                                                                                                                                                                         There are a ton of helpful tips from Gloria Allred on www.lawyers.com about legal tips for parents:                                    

Don’t Serve Alcoholic Beverages to Minors and/or Inebriated Guests
• An adult serving alcoholic beverages to a minor is subject to the possibility of criminal prosecution for aiding and abetting the delinquency of a minor. They are also subject to civil claims for damages for negligence - claims that can be pursued by both the minor and the minor’s parents.
• If the host serves alcoholic beverages to guests of legal drinking age that are clearly inebriated and that intoxicated guest injures a third party, either on or off the host’s premises, the host is liable for injuries under the legal theory of negligence and breach of duty of due care.
• It’s highly recommended that the host of the graduation party have a strict policy against underage drinking – the graduation party should be well chaperoned to enforce this “no drinking by minors” policy.
Know the Social Host Liability Laws in your State
• Most states have “social host liability” laws that hold the host of a social function (like graduation parties) liable for damages caused to others after serving alcohol to minors and/or inebriated guests on his/her property.
• For example: If there is an open bar at the graduation party and one of the guests becomes drunk and leaves the premises in his/her vehicle and injures someone – that injured person can sue both the driver AND the host of the party for negligence and/or potentially recklessness with the resulting exposure to the host of substantial monetary damages as well as the possibility of punitive damages if the host served the guest in an inebriated state.
Protect Guests from Hazardous Conditions on your Property
• The host of the graduation party may also be liable for injuries that occur during the party as a result of negligent maintenance of the home (e.g. large cracks in the deck, unsafe steps, electrical problems etc.).
• For example: If there are exposed wires on the floor and a guest trips on the wire while dancing and injuries himself/herself, the host is liable for the injury and may face a potential civil lawsuit because they failed to warn the guest of the danger and/or failed to take reasonable precautions to avoid the injury.
• These precautions include conducting a thorough inspection of the graduation party premises to repair any defects or clear any obstacles which may increase the risk of an accident/injury to guests. If something cannot be prepared in time for the party, clearly label the area as a “danger zone” to avoid any claims for negligence.
• In addition, party hosts should make sure that he/she has adequate homeowners’ insurance to cover any injury sustained by a guest while on his/her property. Make sure to read insurance policies to ensure that the coverage is not only current, but has adequate policy limits to meet any potential claims that may arise if a guest is injured while on the host’s property.  
  
PS: "Raising the roof" during your party most likely will not be covered. ;) Call the April Schaffroth Farmers Agency today 602-297-5155 or www.insuranceinaz.com.
                                                                                                                                                                      

 

Summer heat = fun toys... to insure!

Are you getting out of this heat...in one or all of these fun toys? If so, we recommend a helmet, life jacket, lawn chair, ice chest, and most importantly, good insurance!!!                          
Whether it is a jet ski, motorcycle, boat or travel trailer, you will want to make sure you have the proper coverage in place to keep you and your adventure and trip successful.  From the www.dmv.org: If you use your vehicle to pull trailers, you should really consider purchasing trailer insurance. This type of insurance will protect you from financial hardship if you damage the contents of your trailer and/or cause damage to another while using your trailer.

While trailer insurance is not a legal requirement in any state, it can especially be valuable to you if you use your trailer on a very regular basis. We’ll review the basics of this type of coverage and go over when you might need it.                                                                                                                                                               Not only on ground but in the water, you will need insurance on boats as well.  From www.bankrate.com it shares why you will need boat insurance. 

Why do I need boat insurance?
If you're new to boating, you may be under the impression that your homeowners insurance will magically stretch to cover your boat. Sadly, in most cases it won't.
"Many homeowners policies will have a minimal amount of coverage for really small boats with either no engine or a very small engine, like a sailboat," says Mitch Jawitz, vice president of marketing and distribution at The Hanover Insurance Group. "But if you're buying a $10,000 or $20,000 boat, your homeowners policy is not going to cover you for what you need."
Lynne McChristian, the Florida representative for the Insurance Information Institute, says boats are unique and require their own policy.

"Your boat has nothing to do with your home, any more than your car can be covered under your homeowners insurance," she says. "Your home isn't mobile. Your boat, like your car, can go anywhere, so it requires a separate policy."
That said, you may save money by bundling your boat policy with your home or auto insurance.
"There's often a cross-sell discount," says Chantal Cyr, vice president of product management for Travelers. "At Travelers, if your boat is less than 30 feet and you have one or more policies, you can save 10 percent for one policy and 15 percent for the second."
A personal loan can be a great option for financing a boat.



How does it differ from home or auto insurance?
In some ways, boat insurance is a mash-up of home and auto insurance.
Like home insurance, a boat policy covers you for liability if someone is injured on your craft and gives you the choice between replacement cost or cash value in a total loss.
Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground. You can also purchase comprehensive coverage against theft, vandalism, fire and flood, personal property coverage for your fishing gear, uninsured boater insurance and even roadside assistance in the event you need a tow.
Unlike home and auto, a boat policy may allow you to "lay up" or suspend coverage for specified periods when you're not using the boat.
"Sometimes boaters aren't aware of that and (on) some nice day in November, they take the boat out for the day and have an unfortunate incident, only to find out that their boat was to be out of the water from Oct. 15 to April 1," says Cyr.
Call the April Schaffroth Farmers Agency at 602-297-5155 BEFORE your trip to check your coverage. 




www.insuranceinaz.com.

Too hot for customer service?? No Way!

It's SO hot that we have nothin' for you this week other than this picture.. and a request for ice cold lemonade!!
                                                               Even though its 117 degrees today, we are still here for you.                                                                                                 There are many reasons you will want to contact your insurance agency:


1. File a claim
2. Trouble with your claim
3. Add or Remove a Driver
4. Add or Remove Vehicle
5. Moving
6. Questions about payment
7. Change coverage
8. Inquire about cheaper premiums 
9. Adding more policies for multi policy discounts
10. Adding coverage for floaters such as jewelry.                                                                                                                      


Make sure to call April Schaffroth Farmers Insurance 602-297-5155 of all of your insurance needs. www.insuranceinaz.com

No, seriously...they say accessories make the outfit! haha The April Schaffroth Farmers Insurance Agency is proud to support Red Nose Day 2016.                                                         
The money goes to help kids who need us most at home and around the world. Red Nose Day is on a mission to lift kids out of poverty and has raised over $1 billion globally in the last 25 years.       


  
Half of the money distributed by Red Nose Day 2016 will be spent right here in the U.S. The other half will be spent in some of the poorest communities in Latin America, Asia, and Africa. All money raised supports projects that ensure kids are safe, healthy, and educated.                                                                                                                                                                                                   Join us and donate today: https://donate.rednoseday.org.  
April Schaffroth Farmers Insurance P: 602-297-5155 
www.insuranceinaz.com.

May 24, 2016 was the official video shoot for the commercial of AZ DUI Process.com.  We are a free service that offers guidance and discounts every step of the way of your DUI process.  Stay tuned for more details and photos to come!

www.azduiprocess.com

Who wouldn't want to insure these faces?? Believe it or not, many insurance companies won't insure your Home or Renters policy if you own a Pit Bull, Rottweiler, Doberman etc.                                                                                                                                                                                                        From www.blessthebullys.com; Unfortunately, many pit bull owners are faced with a type of breed bias that comes in the form of insurance companies that will not cover their dogs under their homeowners insurance policies. However, contrary to popular belief, these insurance company restrictions, known as "blacklists," do not only apply to “pit bulls.” The following breeds are commonly blacklisted by insurance companies:




American pit bull terrier


American Staffordshire terrier


Bull terrier


Wolf hybrids


Akitas


Chow-chows


Doberman pinschers


Olde English bulldogs 


Rottweilers


German shepherds


Siberian huskies


Alaskan malamutes


Presa canarios


Great Danes


Boxers


Saint Bernards


Mastiffs


Boerboels




The approach to insuring homeowners with dogs varies from city to city and state to state. In Michigan and Pennsylvania, home insurance companies are prohibited by state law from discriminating against certain dog breeds.  Adding to the confusion for those searching for coverage, the decision on whether or not to write a policy to owners of certain breeds can also vary from company to company, and even agent to agent. 
WOOF! April Schaffroth at Farmers Insurance can and would love to insure your home with ALL dog breeds!                         



All animals are welcome except dinosaurs...because they are dangerous. Call us a 602-297-5155 for a quote today! 


www.insuranceinaz.com