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Bailey Insurance Ltd Blog

Three Tips for Heatproofing Your Phoenix Home

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The sweltering weather in the desert can be very challenging. These prolonged periods of excessive heat can wreak havoc on a home. Not only that, it can be life-threatening for some. If you’re a resident of Phoenix, AZ, Bailey Insurance LTD is here to help you keep cool during the desert’s hottest days.

Repair any cracks and gaps in your home

If your home is filled with gaps and cracks, these places can let the hot air inside while simultaneously allowing cooler air to escape. You don’t want that. So, when you notice cracks in your walls or ceiling, have them repaired as soon as possible. You can fill small holes and cracks yourself with the proper sealant from a hardware store. If you notice larger cracks, you may want to call a contractor.

Replace shingles and insulation

Shingles act as an insulator, slowing heat transfer from the surrounding air to your home. If your shingles are old and worn, they’re less effective insulators. So, if you have at least ten years old shingles, they’re probably time to be replaced. If your home’s insulation is at least ten years old, you may also want to consider upgrading it. Higher R-value insulation will keep your home cooler in the summer and warmer in the winter.

Circulate the air as much as possible

Use vents in the kitchen and bathroom to pull hot air out of the home. You can also use ceiling fans or floor/box fans to keep the air moving. If you use an air conditioning system, ensure the filters are regularly cleaned or replaced.

Conclusion

If you live in Phoenix, AZ, you know that the summer months can be scorching. Phoenix is known to have the highest temperature of any city in the entire country, with an average high of about 114 degrees. If your home suffers heat damage, your home insurance policy may be able to help. Reach out to Bailey Insurance LTD to learn more!

Does auto insurance cover a rental car?

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Vacationing is more important this year than ever. Everyone wants to hit the road or the air and get away. That means you will most likely need a rental car when you get to your destination. You may wonder if your auto insurance will cover you, which can save you some bucks. If you live in Phoenix, AZ and are looking for an independent insurance agency that cares about its customers, Bailey Insurance LTD is one to consider. 

The first thing to discuss is exactly where you are going on vacation. If you are leaving the United States, your auto insurance is only good in Canada. If you are headed south to Mexico, you need to buy a Mexico-specific policy. If you are headed to Europe, unless you bring your own car, you must purchase rental car company insurance to protect yourself. 

If you rent a vehicle at your destination in the United States, whether or not your insurance is adequate for the rental depends on your coverage. You will need more than just basic liability coverage with a rental car. If you have sufficient liability coverage on your own vehicle, you don’t need to purchase additional liability coverage from the rental car company. If you have a home, condo, or renters’ insurance, you don’t need to insure your personal property, you already have the coverage. 

If you don’t carry comprehensive and collision coverage on your personal car, you need to buy that type of coverage from the rental car company. The rental vehicle must be insured against accidents and other types of damage. 

Contact Bailey Insurance LTD in Phoenix, AZ when you need your auto insurance reviewed or have auto insurance questions. 

How Much Home Insurance Coverage Do I Need in Phoenix, AZ?

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With home insurance, there’s no one-size-fits-all answer. The amount of coverage you need in Phoenix, AZ, depends on several factors. Here are a few things to consider when determining how much home insurance coverage you need.

The Value of Your Home

The first thing to consider is the value of your home. Your home is likely the most valuable asset you have, so you’ll want to make sure it’s fully protected in a covered loss. The best way to determine the value of your home is to get a professional appraisal.

Your Home’s Location

Another factor to consider is your home’s location. In areas prone to natural disasters, like hurricanes or earthquakes, houses need more coverage than homes in other areas. This is because there’s a greater risk of damage from these events. Your Bailey Insurance LTD agent can help you determine the right amount of coverage for your home based on its location.

The Amount of Personal Property You Have

Another factor to consider is the amount of personal property you have. If you have many valuable items, like jewelry or art, you’ll need to ensure they’re fully protected with insurance. You should also consider the value of your belongings when determining how much coverage you need.

Your Deductible

Your deductible is the amount you’ll have to pay out-of-pocket if you have a covered loss. The higher your deductible, the lower your premium will be. When choosing a deductible, you’ll need to balance the cost of your premium with the amount you’re willing to pay out-of-pocket if you have a claim.

A Bailey Insurance LTD agent can help you determine how much home insurance coverage you need near Phoenix, AZ. Contact us today for more information.

Who needs to have a motorcycle insurance plan in Arizona?

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Owning a vehicle is very important for anyone in the Phoenix, AZ area. When looking for a vehicle, having a motorcycle can be a great option as they are practical in a warm climate and can be fun and efficient to operate. Anyone that owns a bike also needs to have motorcycle insurance. There are various situations when someone will want this coverage. 

Those Looking to Ride on Public Roads

A situation in which you will need to have a motorcycle insurance plan is when you want to ride the motorcycle on an open road. As you are looking to use any type of vehicle, it is important to check local insurance laws. Anyone that wants to ride in Arizona needs to carry motorcycle insurance with at least a liability component. This coverage is required by law and ensures you have the coverage required to offset damages in an accident.

Those Who Want to Protect Motorcycle

It would also be a good idea to have motorcycle insurance to protect your asset. Purchasing a motorcycle can be quite expensive. As you are looking for one, you will want to have a plan that can protect your asset. If you get a motorcycle insurance plan with comprehensive support, it can help ensure you remain appropriately covered. 

If you want to get a motorcycle insurance plan and are in the Phoenix, AZ area, it would be helpful for you to call the team with Bailey Insurance LTD. The professionals with Bailey Insurance LTD understand the value of this type of coverage and will help you build the right plan for your situation. Bailey Insurance LTD will help you assess your options and needs to develop your next plan. 

 

What You Should Know About Auto Insurance

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To get the best deal on auto insurance, you need to understand what you are purchasing. At Bailey Insurance LTD, serving Phoenix, AZ, and the surrounding areas, we help clients make good insurance choices by providing them with reliable insurance information. Keep reading to learn more. 

Auto Insurance Is Not An Option 

You should be aware that auto insurance is not an option. If you choose to operate a vehicle, you will be required by law to carry insurance. This is for the protection of you and other motorists. 

Insurance Protects You Financially

Insurance is a great way to protect yourself financially. If you are involved in a wreck, you will be responsible for the repairs or replacement of your car. If you are at fault in a wreck, you will also be held accountable to pay for repairs or replacements for the other vehicles involved. In addition to this, you will be held responsible for any medical bills or legal fees that may result. 

There Are Different Types of Coverage

There are two main types of auto insurance coverage.

  • Liability– Liability is considered the minimum type of insurance coverage. This will only pay for the expense of damage to the other vehicles involved in an accident. It will not pay for any damage to your car. 
  • Full Coverage– Full coverage insurance will pay for damage to your car and other cars involved. This type of coverage is considered to be the best. 

If you want to learn more about our services, don’t hesitate to contact us at Bailey Insurance LTD, serving Phoenix, AZ, and the surrounding areas. We will be happy to answer your questions and help you find the right insurance products for your needs. 

Common Home Insurance Mistakes

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Being a homeowner comes with a lot of responsibility. From regular maintenance to obtaining the right insurance coverage, there are many aspects of homeownership that require time and research.

Bailey Insurance LTD of Phoenix, AZ knows that the most valuable asset most people have is their home. Therefore, purchasing the right insurance is crucial. Mistakes when choosing home insurance can be costly.

Not Enough Insurance

It is tempting to purchase the least amount of coverage to get the lowest premium. Many people make the mistake of obtaining just enough coverage to pay for their mortgage.

The problem with that is that mortgage companies are only concerned with protecting their assets. Therefore, they will only require you to buy coverage for the amount that you owe, which could be considerably less than the cost of the total loss. This means that if you file a claim, you will only be awarded enough to send the check straight to the bank with nothing left for rebuilding.

Adequate coverage will be enough to rebuild your home completely, or at the very least ensure a deposit on a new rental. You should also include coverage to replace personal belongings and cover any legal fees that may result.

Additional Coverage

Many people are not aware that some hazards are not included in their regular homeowners’ insurance policy. Instead, specific coverages need to be included for an additional cost.

The most common overlooked coverage is flood insurance, which is not included in a typical home insurance policy. Other types of additional coverage to consider include earthquake and hurricane coverage.

To make sure that you are purchasing the right coverage, contact the agency you can trust. The agents at Bailey Insurance LTD of Phoenix, AZ can help you determine the exact amount of coverage to meet your specific needs. Give us a call today.

Tips for Buying Renters Insurance

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More people these days in Phoenix, AZ are deciding to rent over purchasing a new home. The reason for this may be that renters are not responsible for paying for things like home insurance, property taxes, repairs, and maintenance.

However, if something happens, your personal possessions will not be covered under the landlord’s insurance policy. The only way to cover your lost or damaged personal items is with a renter’s insurance policy in place. Bailey Insurance LTD is here to guide you through the process to ensure you have the coverage that you need.

The Right Amount of Coverage

In the event of a natural disaster, theft, or accident, renter’s insurance will cover the cost of replacing your belongings. The amount of coverage that you need depends on several different factors.

Start by creating an inventory of all of your belongings to get an accurate idea of your needs. As you do, make notes on the item description, date of purchase, the price paid, and the estimated current value. Once you have a complete inventory, you will have a pretty good idea of the amount of coverage that you need to include in your renter’s insurance policy.

In addition to coverage for your personal property, there are other coverage options to consider. For example, liability coverage will protect you if someone is injured or their property becomes damaged while in your home.

What Is Not Covered?

Knowing what is not covered in your policy is just as important as knowing what is covered. Most policies do not cover damage from floods or earthquakes. For these events, you will need to purchase separate policies.

For more tips on getting the rental insurance coverage that you need in Phoenix, AZ, contact Bailey Insurance LTD. We are here to answer all of your questions when you call us.

Arizona Auto Insurance – Are Liability Events Covered Under Auto Insurance?

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Auto Insurance can be a confusing topic, especially for new drivers who have never purchased auto insurance before.  There are so many options out there!  Which type of auto insurance would work for me?  What is a liability, and how does it affect me and my policy?  Does my policy cover theft or damage from floods?  As you can see, there are a lot of questions that can flood your brain when debating on which type of auto insurance is right for you.  Bailey Insurance LTD in Phoenix, AZ offers auto insurance and other types of insurance and can help with your insurance needs.

Liability

Liability is almost always the first facet of insurance that gets covered and the reason for that is due to the very nature of liability coverage.  To “be liable” means that you are “at fault” for whatever damage was caused in the event of an accident.  Hence, liability coverage is coverage for you and your vehicle in case of an accident that causes damage to other people and property.  Liability coverage is also required to operate your car legally on the road in all 50 states.  The amount that you pay for liability coverage is dependent on how much coverage you’d like in terms of limits.  There is a set minimum coverage that all states require as part of the legal requirement which varies from state to state.  

Other Facets

There are other parts to an auto insurance policy that will cover damages to your own vehicle and personal injuries and other add-ons in the form of a rider that you can also add to your policy such as rental insurance, roadside assistance, and other coverages.

More Information

You can find out more information on auto insurance by contacting Bailey Insurance LTD in Phoenix, AZ today!

Threats Of Not Having Home Insurance

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Home insurance is not required by law in the state of Arizona. However, it does not mean it is a good idea to skip this coverage. The decision to not carry home insurance provides a variety of expenses and risks. Bailey Insurance LTD serving clients in Phoenix, AZ and other nearby areas prepared a list of threats you may face if you do not have home insurance:

Risks Of Not Having Home Insurance

  • You will have to pay for damages to your property yourself. One of the main purposes of home insurance is to provide coverage for the cost of replacement for damage to your home. If you do not have home insurance, you will have to cover damage caused by storms, hail, snow, or vandalism by yourself. 
  • You will not have any liability protection. If a visitor gets injured on your property, you will be responsible. Without proper home insurance, you may face many expenses. You will have to pay for hospital bills, medication, and the time a person misses work. As a result, you can be left with tremendous debt. 
  • Your mortgage lender may require home insurance. A lender may not approve you for a loan if you do not have proper insurance. Therefore, before looking to buy a home, it is recommended to think about home insurance first. 

Bailey Insurance LTD – An Insurance Company You Can Trust

At Bailey Insurance LTD serving Phoenix, AZ and other nearby areas, we specialize in different types of insurance, including car insurance, life insurance, or commercial insurance. Therefore, if you are looking for the perfect home insurance policy for your property in Arizona, we are more than happy to help you. Feel free to visit our website for more information or give us a call. 

Is Personal Property Coverage a Necessity on a Renter’s Insurance Plan?

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If you are a renter, then chances are you are quite familiar with renter’s insurance policies. The majority of landlords will require tenants to have a policy that has a minimum of $100k in liability coverage. However, what they don’t require is coverage of your personal property. Contact the experts at Bailey Insurance LTD in Phoenix, AZ for more information on adding personal property coverage to your policy.

It is a common misconception that personal property coverage under a renter’s insurance policy adds to the expense and is unnecessary. The fact of the matter is that this is untrue. While it is not required, getting personal property coverage costs only a few dollars at most, and can protect your assets when the unexpected happens.

How Does Personal Property Coverage Help Me?

Life can take an unexpected turn at any moment. A house fire, a pipe that bursts, all it takes is a single moment for your belongings to be destroyed. Losing everything is unpleasant, to say the least, so knowing that you have an insurance policy that covers those belongings is essential to recovering from a devastating event. Sure, you might not care about replacing the TV or your DVD collection. However, there are some items like clothing, mattresses, and other essentials that must be replaced in order for you to get back to a good quality of life. 

A renter’s insurance policy that includes personal property coverage will protect your items when disaster strikes. Liability alone will not cut it. The first step to getting better coverage is to add up the cost of any belongings you would want to replace if they were lost. Then, choose an amount of coverage based on that dollar amount. Give Bailey Insurance LTD in Phoenix, AZ a call to learn more about how much coverage you will need!