Month: December 2025

Are Tires Covered Under Auto Insurance?

Posted on by agentinsure

You’d be surprised how expensive a good set of tires can be! That’s something that fluctuates but suffice to say that you will get what you pay for. Not only are they expensive, but without them your car is just a very big paperweight. And wouldn’t you know it? They’re the most vulnerable thing on your vehicle. It’s a "for want of a nail" situation, only this time you don’t want a nail at all. Because your car is so dependent on tires, you may wonder if your insurance covers them. Fortunately, the answer is yes, but only up to a point. 

When Your Tires Are Covered by Insurance 

Unfortunately, running over a nail or other debris may not be covered as it falls under normal vehicle upkeep. However, if the damage was done due to collision or hitting a pothole, you may be covered. The normal wear and tear is not covered, nor is any damage resulting in your neglect of maintenance. However, if someone decides to slash your tires, that falls under vandalism, and you are covered. If someone is bold enough to outright steal the tires off your car, that will be covered by comprehensive coverage. Comprehensive insurance will also cover the cost of replacing your tires if they were damaged due to a natural disaster such as a hailstorm or hurricane. For more coverage, you may want to go over the manufacturer’s warranty that came with your tires. You may purchase a separate plan that covers tire damage specifically. Roadside assistance might not cover expenses, but it’s great to have in a pinch. 

The San Marcos Insurance Group Serves Chandler, AZ

If you are in need of auto insurance, we here at the San Marcos Insurance group are happy to help. We serve the Chandler, AZ area. 

How to Update Your Home Insurance Policy After a Major Life Change

Posted on by agentinsure

Major life events have a way of shifting what matters most, including how we protect the place we call home. Whether you’ve welcomed a new family member, started working from home, or taken on new responsibilities, it’s important to make sure your insurance keeps pace. At San Marcos Insurance Group, serving Chandler, AZ, we take this process seriously as Arizona’s insurance regulations and standards make timely updates especially important.

Understanding How Life Changes Affect Your Policy

In Arizona, even small lifestyle adjustments can influence the way your home is evaluated from an insurance perspective. A new workspace, a recent remodel, or a major personal milestone can all change the way your home functions. When these shifts occur, homeowners are encouraged to review their policy, so it accurately reflects their situation. The goal isn’t just accuracy, but making sure your coverage aligns with the way you actually live.

Why Keeping Information Current Matters

Many people don’t realize how quickly outdated information can lead to gaps. If your home, routine, or responsibilities have changed, your policy should evolve right along with them. Arizona’s climate, construction norms, and regulatory environment all play a role in determining what’s appropriate and recommended, which is why we always emphasize an individualized approach.

Next Steps To Stay Protected

Updating your policy doesn’t have to feel overwhelming. At San Marcos Insurance Group, we guide our clients in and around Chandler, AZ through what matters, what can be adjusted, and what deserves a second look. If you’ve recently experienced a major life change or expect one soon, contact us today to ensure that your policy reflects your life today and supports whatever comes next.