Family members with 4 legs?? Farmers Insurance loves to insure homes with all dog breeds!

Everyone remembers their first dog. We know they are as much a part of your family as the ones with two legs.                                                                             Whether you have a Yorkie or a Pit Bull the good news is Farmers Insurance loves all breeds. Call April Schaffroth at Farmers Agency to make sure you and your family (dogs too) have enough coverage in the right place.                                                                                                                 WHETHER YOU CONSIDER YOURSELF A PET OWNER OR A
“PET PARENT”, FARMERS CAN HELP YOU PLAN FOR ALL MEMBERS
OF YOUR FAMILY, INCLUDING YOUR DOG AND CAT.
Benefits of pet insurance from Farmers and Pets Best* include:
„„More coverage options than competitors with preventative plans that cover routine check-ups and teeth cleanings
„„ Fewer unexpected out-of-pocket expenses related to surgery, emergency visits, behavioral conditions and more
„„ Straightforward and timely reimbursement calculated from the actual vet bill; not a complicated benefit schedule
„„ Sensible enrollment practices that allow you to enroll your pet at any age without the hassle of a pre-enrollment exam
„„ Knowledgeable experts who handle claims within two to five days
„„ Flexible policies that start at $16 a month and allow you to keep your current vet
To receive a 5% discount on pet insurance provided by Farmers and Pets Best,
go to Farmers.com/petinsurance. Call April at 602-297-5155 to take care of your 4 legged family members.
www.insuranceinaz.com

In the dark about your insurance policy??

Do you ever feel in the dark about how your insurance policy works? Let us be your guide!!
The April Schaffroth Farmers Agency would love to shed some light on how your insurance can and should protect you.

From confused.com; buying car insurance is a legal requirement for any vehicle which is kept on the street, on a driveway or in a garage – provided you don’t have permission to keep it uninsured and off the road.
But although cover is mandatory, you do have a choice in the kind of policy you buy. Here are details of the three types of cover available: third-party, third party, fire and theft, and comprehensive.

When you search for a car insurance quote, it could be worth checking the price of each type before making a final decision. The kind of policy you choose could affect the size of the premiums you pay – but make sure you are comfortable with the level of cover you are afforded. If you need to make a claim, buying a lower level of protection could turn out to be a false economy.

The April Schaffroth Farmers Agency would love to shed some light on how your insurance can and should protect you.  Call 602-297-5155 today!

 www.insuranceinaz.com

Who wouldn't want to insure a face like this??

Who wouldn't want to insure a face like this?? Believe it or not, many insurance companies out there won't insure your Home or Renters policy if you own a Pit Bull.                                             WOOF! April Schaffroth at Farmers Insurance can and would love to insure your home with ALL dog breeds; especially Pit Bulls.   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.      


                   


 Refusing to insure families with dogs that look "scary" or have certain stereotypes is horrendous. Perhaps rather than immediately denying a family with a certain breed of dog, companies should have a system where they meet the beloved pet and approve or deny them based on an interaction. Insurance companies may argue that this would cost too much. In just the first six months of 2012, insurance companies made $6.458 billion. They can afford it. A checklist of sorts should be created based on the animal's temperament and vet history and even the family's history of owning pets previously. They should have incentives to lower insurance rates by showing good behavior, keeping up with going to the vet by getting the necessary vaccines and also spaying and neutering.


Call us a 602-297-5155 for a quote today! www.insuranceinaz.com

If a bird this size hits your window then what happens??

If a bird this size hits your window it may or may not be covered unless you have the "Jurassic Park Waiver"...just teasing!                  
However, if a rock hits your windshield we have a coverage that offers $0 out of pocket for glass repair/replacement.  From the DMV.com; the Windshield claims apply to broken, cracked, or chipped windshields. In order to get your car insurance to pay for broken or cracked glass repair, you'll need the right coverage.
If you carry comprehensive insurance, you can file a windshield claim to cover the repair costs (after you've paid your deductible). Your deductible is the amount of money you are required to pay your insurance company before they'll pay out on your claim.


Depending upon your state and your car insurance company, you might also have an optional glass coverage that will pay for your windshield repair without requiring payment of a deductible. Speak with your auto insurance agent to find out if this is an option. 


Should I File a Windshield Claim?
If you have comprehensive coverage, or a specific glass coverage option, you can file a claim to cover your windshield repair cost.
However, before filing a claim, you should carefully weigh the following questions:
How high is your insurance deductible?
What is the repair cost for your chipped or cracked windshield?Will your car insurance premium increase if you submit a claim?
• Depending on the answers to the questions above, you might decide that the costs outweigh the benefits of filing a claim.
  Any claim, regardless of the cost, may cause your premiums to jump. In insurance circles, this is referred to as a surcharge.
  If your deductible is high and/or your repair costs are relatively low, you might wish to pay out of pocket in order to avoid adding a claim to your car insurance history.
  

  

  Required Information for Windshield Claims

  When you're preparing to submit a claim to get your broken or chipped windshield repaired, you'll need to provide some basic information:
  

  • VIN.
  • Policy number.
  • Vehicle make, model, and year.
  • Details regarding the damage.
  • Personal info such as your name and date of birth.

  Making sure you have your information ready ahead of time will ensure that your claims process goes as smoothly as possible. Continue reading to learn the steps to filing your glass claim.                                                                                                                                                            Please call April Schaffroth's Farmers Insurance office today to make sure you have the coverage you need! Call 602-297-5155 or visit us at www.insuranceinaz.com
• 
  

Summertime and Life Insurance is easy....

Summertime and life insurance is easy... So easy, we put it in a song for you.   The best time to buy life insurance is today, you never know what the tomorrow brings.
                              From Farmers Insurance.com: Getting Started With Life      Insurance

Life insurance is a great way to prepare for life’s unexpected moments. Like most of us, you probably worry about the future; can we pay off the house, will my kids get a good education, will they grow up healthy and happy?
With Life insurance, you can know that no matter what tomorrow may bring, your family’s financial future is ensured.
How do you get started though?   Understanding Life Insurance

• Interested in protecting your loved ones, but not sure where to begin? 
• What types of coverage are available?
• How do I talk to my family and my agent about Life insurance?
• How much coverage do I need?
• With Farmers we’ll help you understand:When is the best time to apply for Life insurance?

                                                                                                                                                                                                                                                                                                                                                                                                          Check out our video at https://youtu.be/2Ghe9s96ks4.    


Call April Schaffroth Farmers Agency at 602-297-5155!      


                                                                                                      www.insuranceinaz.com     

Does your Business Insurance have holes like a donut?

Road Trip Tuesday: We took our road trip today with quality assurance in mind.                                                        Check out our picture at Desert Donuts. Don't you think we look thinner :))                                                                                 Did you know we can insure Bakeries, Donut Shops, Coffee Shops and more?? 


Most bakeries got their start after years of perfecting recipes and testing breads and desserts on their families and friends before finally taking the dive and opening up shop. After all the hard work and planning you've put into building your business, it stands to reason you also want to give your business the protection it needs to thrive.                                                                     

With adequate business insurance, you have the security of knowing you can weather a costly liability lawsuit or property damage claim, and still keep offering delicious treats and artisan breads to discerning clients. Farmers Insurance has a special Business Package just for you.                



Give us a call at April Schaffroth Farmers Agency to create the perfect policy for your business at 602-297-5155.


         www.insuranceinaz.com                        

Do we have anything on our faces? Do our noses look funny?

Do these red noses make us look fat? Nah, we don’t think so either! 


Our Farmers agency is involved in our community in many ways. April Schaffroth Agency wants to rally around the Red Nose Day to support impoverished children – not only in our community but also worldwide.
Red Nose Day is a campaign dedicated to raising money for children and young people living in poverty by simply having fun and making people laugh. The inaugural Red Nose Day will be held in the US on May 21st, 2015. People across the country will come together to have fun and raise funds and awareness. The day's events will culminate in a three-hour entertainment TV s

pecias and Hollywood stars—it's a show not to be missed!

Join in the fun and start planning how you can help support Red Nose Day in your community!                                                                                                                                              It's so easy and the opportunities are endless. Check out our Fundraising page for ideas! Join us in support of this   great cause by going to “rednoseday.org” Get involved and share your Red Nose pictures with us on Face...book.

April Schaffroth at 602-297-5155 at 
www.insuranceinaz.com