Are you covered, really covered??

This AZ heat makes us want to cover up to stay warm :) 

Are you covered...really covered when it comes to insurance? Most drivers in Arizona believer their auto coverage is more than enough; just like the size of a King size sheet.  

                             You never want to find out after you have a claim that you have the Tea Towel instead of a King size sheet.

There is a great site from easurance.com that talks about what "Full Coverage means: 

What is “full coverage”?

"Full coverage" isn't a coverage in itself. It's a phrase generally used to designate a number of coverages that provide a good amount of protection: specifically liability, comprehensive, and collision coverages.
Liability helps pay for damage you cause in an at-fault accident, while comprehensive and collision can help repair damage to your car (or replace it altogether).
It's a robust package of protection, yes — but it might not provide all the protection you need. And that's why "full coverage" can be misleading.

what “Full coverage” doesn’t include

Car insurance companies offer a bunch of coverage types that fall outside the domain of "full coverage," and many are worth considering.

• Medical payments coverage — This coverage can help pay post-accident medical expenses for you and your passengers regardless of fault, and it can also step in if you exceed your health insurance limits.
• Uninsured/underinsured motorist coverage (UM/UIM) — UM/UIM coverage helps pay for bills that the other driver's policy should have taken care of, but can't because of that driver's low coverage limits or lack of coverage altogether.
• Emergency road service coverage (aka roadside assistance or towing and labor) — A handy coverage to have if you're not a whiz with a jack and a wrench or just need to get a wrecked car to the shop.
• Customized parts and equipment coverage — If you're the kind of driver who likes a custom sound system and chrome rims, "full coverage" won't help you replace or repair them after an accident — but this coverage can.
• Rental car coverage — This can reimburse your rental car expenses after a covered accident.
• Gap coverage (aka auto loan/lease coverage) — If you've financed your car, gap coverage exists to help you pay off your auto loan if your car's totaled when you still owe more than it's worth.                                                                                                                                                                       
  

“Full coverage” is really more like “very good coverage”

Though full coverage provides a good amount of protection in terms of liability and the well-being of your car, it doesn't mean that you won't have to pay anything out of pocket after an accident.
If you opt for a "full coverage" policy, you'll be covered up to the limits you select. If damage exceeds your liability limits, you could be legally liable for the difference (a good argument for higher limits).
Keep in mind, too, that any time your comprehensive or collision coverage kicks in, you'll also need to pay the deductible.

Tell us below if your auto coverage is a #1 Tea Towel; #2 Beach Towel; #3 Blanket or #4 King Size Sheet.

Don't wait for an accident to find out how much coverage you really do have. If you aren't sure, call April Schaffroth Farmers 602-295-5155  

www.insuranceinaz.com 

Relocation Resource?? You bet!

Look who made the big time! Check out my ad in the "Valley of the Sun Relocation Guide" page 82.
The Valley of the Sun Relocation Guide prints times a year and provides fantastic resources for individuals and families considering moving to Phoenix, Arizona.                                                                                   If you are interested in moving to Arizona and changing your insurance needs; please give us a call at 602-297-5155.  Our website: www.insuranceinaz.com.

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
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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