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Tag: premiums

  • Importance Of Flood Insurance

    Importance Of Flood Insurance

    Don’t let the next Mesa, AZ flood ruin your house. Invest in flood insurance.

    When you invest in a homeowner’s insurance policy, it is easy to assume that you are covered in case of any unfortunate situation that you may run into. Flood insurance is not covered on your home insurance policy. You must purchase a separate flood policy to be covered for flood. Protecting your home and personal belongings with the right flood insurance policy can help to give you the peace of mind that you deserve.

    Even if you do not live near a body of water, your home is still at risk of experiencing a flood. All homes are built on some type of flood plain, and the degree of risk is based off of how high the threat is. Luckily, the premiums for your flood insurance policy if you live in a low to moderate flood risk zone will be much lower than if you live in a high-risk area.

    Standard flood insurance policies will cover damage that is done to the structure of your house, as well as any permanent structures, such as your water heater, air conditioner, and furnace. You also have the choice to invest in coverage for your personal property that you keep in your house, such as furniture and clothing. The more coverage you invest in, the higher your rates will be, but the better protected you will be.

    Keep in mind that flood insurance policies have a 30-day waiting period before they will become active, which means the sooner you invest in a policy, the sooner you can start enjoying your coverage.

    When looking for the right flood insurance policy that will provide the right amount of protection to meet all of your needs, contact Saks Insurance Agency in Mesa, Arizona.

  • New Technologies Working To Keep Your House Safe

    New Technologies Working To Keep Your House Safe

    Home Security Technologies

    The home security world has changed dramatically since its start. No longer do you have to be bothered by unsightly camera equipment and wires that run all around your house. New security systems and tools have become more accessible and affordable than ever while also being much smaller and discrete. Consider installing these security tools at your house to keep it safe.

    • Smart cameras – new security cameras can be tucked anywhere in your house and do not require any wires. You can see what is happening both inside and outside of your house on your computer or phone thanks to good battery life and Wi-Fi connections.
    • Key free doors – if you have friends or family coming into town, they no longer have to wait outside of your house until you get home from work. Keyless front doors allow people to get inside with a simple code that can be activated and deactivated depending on your needs.
    • Home automation – new technologies are allowing you to control almost every aspect of your house from anywhere in the world. New power outlets can connect to your phone so that you can control the power from your smartphone to ensure that you never leave your hair straightener on, or to turn on a light so that you do not have to come home to a dark house.

    Not only are these new security technologies helping to make your house much safer, but they can also help you save on your homeowners insurance policy. The less susceptible your house is to a break in, the lower your premiums will be.

    For all of your home insurance needs to ensure that you have the coverage that you deserve, all at the right price to fit your budget, contact the independent insurance professionals at Saks Insurance Agency in Mesa, Arizona.

  • Saks Insurance LLC Offers Tips to Help You Save on Auto Insurance

    Saks Insurance LLC Offers Tips to Help You Save on Auto Insurance

    Car Insurance Savings

    Finding the right auto insurance policy can be much easier said than done, especially when you are looking for your first policy. Knowing how to get the most coverage for your money can help you save on your coverage while having the peace of mind knowing that you have the protection that you deserve. Keep these tips in mind to help you choose the right car insurance policy for your needs.

    • Stay safe – being a good, safe driver every time you are on the road can help you save more than 50 percent on your auto insurance compared to drivers that have a high number of accidents on their driving record.
    • Take a class – enrolling and passing a state approved safe driving class can help to decrease the cost of your auto insurance premiums.
    • Buy the right car – if you are in the market for a new vehicle, look for a model that has the newest safety features, such as an alarm, anti-lock brakes, automatic seatbelts, and airbags which can help you save money.
    • Increase your deductible – your deductible is what you will pay out of your own pocket before your insurance coverage kicks in. typically, the higher your deductible is, the lower your monthly premiums will be.
    • Bundle your coverage – insuring more than one on your auto insurance policy, or bundling your coverage with your other personal insurance policies can qualify you for various discounts, helping to save you money.
    • Low mileage discounts – if you work from home or have a very short commute each day, you may be able to benefit from a low mileage discount with your auto insurance policy.

    For all of your auto insurance needs to keep you protected on the road, contact the insurance professionals at Saks Insurance Agency in Mesa, Arizona.