Does Your Auto Insurance Travel With You Across State Lines?

Posted on May 30, 2025May 26, 2025 by admin

If you have an auto insurance policy, you might wonder how your coverage applies if you leave your home state. Are you planning a road trip or relocating to a new state? Understanding whether your auto insurance policy covers you across state lines is crucial. At Precision Insurance Team, we aim to make your policy easy to understand. Here are some key points to consider.

Automatic Adjustments in Most Policies

When you drive from one state to another, most auto insurance policies automatically adjust to meet that state’s minimum legal requirements. So, if you’re heading out of Mesa, AZ for a vacation, you’re typically still covered. However, it’s important to confirm the specifics of your policy with a trusted agency like Precision Insurance Team.

Differentiating Between Moving and Traveling

There’s a significant difference between crossing state lines for a weekend and establishing residency in a new state. If you’re moving, your current policy may only offer temporary coverage in the new state. In that case, it’s time to update your policy to meet your new state’s guidelines. Insurance requirements can vary more than you might expect from state to state.

Coverage Limits May Not Align

While your policy adjusts to state laws, it doesn’t necessarily mean all aspects of your coverage are ideal for the new location. Road conditions or weather conditions may be significantly different. Insurance professionals can guide you if you’re considering changing your policy.

Travel with Confidence with the Right Policy

Whether you’re a frequent traveler or planning a move, reviewing your coverage is important. We help Mesa, AZ drivers understand how their policy works across state lines. You can drive with confidence wherever the road takes you. Contact us to learn more!

The Panic Button: How to Recover After Losing Your Renters Insurance

Posted on April 30, 2025April 21, 2025 by admin

Weather events nationwide force home insurance companies to decide whether to honor their claims, drop their insurance, or leave the state. Those honoring claims are raising rates, forcing loyal, unaffected customers to search for cheaper alternatives. That makes renters’ insurance customers worry about the status of their insurance policies.

Why Renters’ Insurance Companies Drop You

Renters’ insurance companies in Mesa, AZ must provide advanced notice about non-renewals and policy cancellations. They can cancel your policy within 60 days. After that period, they must have a valid reason. They are:

Not paying your premiums on time
Breaking the Doctrine of Utmost Good Faith code
Excessive claims filed
Dramatically changing your risk profile
Discontinued coverage

The Doctrine of Utmost Good Faith code expects honesty and transparency regarding relevant policy information. Withholding essential information represents misrepresentation or fraud. Excessive claims focus on the frequency and types of insurance claims filed. Adding or doing things that raise your risk profile (such as adding an aggressive pet or moving to a high-risk zone) will give companies pause. Those reasons and not paying your premiums on time paint you as a high-risk customer that many insurance providers avoid. Securing another renters’ insurance policy is much easier for customers with discontinued coverage.

The General Steps to Getting Another Renters’ Insurance Policy

Search for a new insurance company by including Precision Insurance Team as an option. One of our Mesa, AZ insurance agents will analyze what went wrong with the other policy and make it right this time around. We look for renters’ insurance options from several providers that match what you had previously. If it doesn’t, we will explain why and answer your questions. Our suggestions to mitigate risk and rebuild trust can help mitigate your high-risk reputation. If you choose us, we will immediately lock you into the agreed-upon policy and let you know when the grace period ends and your coverage begins.

If an insurance company drops or doesn’t renew your policy, let the Precision Insurance Team help you find your next provider. For years, we have delivered exceptional renters’ insurance rates to keep our customers covered, now and in the future. Call, stop by, or complete the contact form for more information.

What every first-time homeowner needs to know about home insurance?

Posted on March 28, 2025March 23, 2025 by admin

Purchasing your first home is a significant milestone. For most new homeowners, navigating home insurance is a novel experience. Our independent insurance agents at Precision Insurance Team in Mesa, AZ, will work with you to ensure you have all the necessary coverage. There are some aspects of home insurance that you may not be aware of, which will assist you in making informed decisions regarding your home insurance.

Understanding Content Coverage

Content coverage is not related to your actual content. It typically ranges between 50 and 70% of your home’s value. The method of reimbursement depends on the valuation you choose. You can opt for replacement cost, which considers depreciation or current value. However, certain categories have limited coverage. You need to review your policy for jewelry, antiques, cash, art, and electronics coverage. Your content insurance also covers your property when it travels with you.

Liability Coverage

Consider your assets carefully when determining the amount of liability insurance you need. Most policies come with a predetermined amount, but check the declaration page to decide if it’s sufficient for you. You may even want to get an umbrella policy to extend your liability coverage further.

Not Everything is Covered by Home Insurance

Home insurance covers many things, but not everything. Some of the things that aren’t covered include:

Certain breeds of dogs
Earth movements such as earthquakes, mudslides, landslides, and sinkholes
Sewer backup
Owner neglect includes termites, mice, not doing needed repairs, etc.
Floods

The good news is that many of these things can be covered separately.

Contact our team at Precision Insurance Team in Mesa, AZ, for all your home insurance needs.

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.

Precision Insurance Team

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