Who Should I Choose As My Beneficiary?

No one wants to think about what life insurance but when you decide to purchase your policy, you will need to choose a beneficiary. In Chandler, AZ, the agents of San Marcos Insurance Group are available to discuss your needs and help you choose the right beneficiary who will be able to make sure the money is used the way you want it to be.

Choosing Your Beneficiary

When you first start to think about choosing a beneficiary, you want to choose someone who is both reliable and committed to following through with your wishes. Your beneficiary will be responsible for paying off any debts you have left behind. They will also be responsible for taking care of your family’s needs. They can set up trust funds for minor children or work with your attorney to ensure that money is allocated for the health needs of a family member.

Who Is the Best Choice

In most cases, the beneficiary of any type of life insurance policy is the spouse or a family member. If there is a double indemnity clause and the amount of money is significant, you may want to choose an attorney or financial advisor as your beneficiary to make sure everything is handled according to your wishes.

In Chandler, AZ, the agents of San Marcos Insurance Group are always available to answer questions and let you know what type of policies will best serve your purpose. Call and schedule an evaluation so that you can get the type of policy you want in place and protect your family from financial disaster. Don’t wait! Talk to one of the agents today and get the process started!

Why Commercial Insurance is Necessary in Chandler, Arizona

Arizona is one of the most competitive states in the nation in terms of business. It is also a state that is relatively heavily regulated. If you want to be able to scale without fines, then you must remain in compliance with all commercial insurance requirements in the state.

The right policy will protect your business from unexpected emergencies and serve as a shield against state regulators. Here are the characteristics of a good commercial insurance policy for Chandler and surrounding areas.

  • Commercial automobile insurance – If you use a car in your business, you need a separate protection outside of your personal auto insurance. This is true even if you are not in the commercial transportation industry. Commercial auto will include comprehensive, collision and liability insurance as well as medical payments.
  • Business general liability – Legalities are always increasing in the world of business, and umbrella policies do not cover specific business-related expenses. In order to protect your business, you will need a liability policy that specifically covers your company.
  • Worker’s Compensation – This is one of the most important kinds of insurance policies that you can have on your business. It is especially important if you are dealing with large amounts of inventory or warehousing. Worker’s Compensation policies will cover any unfortunate incidents that occur on your premises with your employees.

The San Marcos Insurance Group serves the business community in and around Chandler, AZ with commercial insurance. When you are ready to protect your business and stay in compliance with state law, give the dedicated experts at the San Marcos Insurance Group a call or an email to help with your policy.

Will a Dog Breed Affect My Homeowners Insurance?

Are you a homeowner? Do you keep a dog as your favorite pet? Have you ever asked yourself how it affects your home insurance? Well, you may already be aware of various factors that affect your homeowner’s insurance policy quotes, but you might not have thought of your dog as one of them. However, the truth of the matter is that keeping a dog as your pet affects your home insurance quotes and in some cases, it can even prevent you from being insured.  

Believe it or not, dog bites account for approximately one-third of all the insurance payment in Chandler AZ and all over the United States. This is the primary reason why some home insurance policy providers such as San Marcos Insurance Group will discriminate against some homeowners when it comes to underwriting homeowners insurance policies.

How Does the Dog Breed Affect Your Homeowners Insurance Policy?

You need to remember the fact that your policy covers any damage caused by you or one of your family members to third parties. Your dog is considered as one of your family members, and the insurance policy may be partly liable for the cost of claims raised against you when your dog bites someone. Keep in mind that some there are certain times when your dog might get too aggressive no matter how well it is trained. Furthermore, some dog breeds tend to have strong jaws that could cause severe harm to a person if the dog is provoked.

Which Dog Breeds Are Mostly Blacklisted by Insurance Companies?

While some dog breeds will affect your home insurance policy by driving up premiums, others are entirely blacklisted, and no provider will be willing to insure you if you have such a dog breed. You may not be offered coverage if you own any of the following dog breeds:

  • Chow-chows
  • German shepherd
  • Mastiffs
  • Any wolf hybrid
  • Akitas
  • Rottweilers
  • Pit bull-type breeds
  • Dobermans

Are you a homeowner in Chandler, AZ? Contact San Marcos Insurance Group today for a customer-friendly home insurance policy.

Does Auto Insurance Cover Friends Driving My Car?

What happens when your teenager, friend, or other family borrow your car to run some errands? You probably through the car keys at them and wish them a nice ride. However, have you ever take a minute to think about what might happen if they are involved in an accident while riding your vehicle? Will your insurance policy from San Marcos Insurance Group cover them? Therefore, before you blindly allow other people to drive your car, it is good to think about the other issues involved. Knowing what your auto insurance will cover and what it won’t cover is critical when it comes to friends or family members driving your vehicle.

Does My Car Insurance Cover Other People?

Car owners in Chandler, AZ commonly ask this question, and it is a genuine question that requires explanation. To better understand this query, you need to understand the various types of auto policies and what they cover. While some insurance policies cover the driver, others are specifically meant to cover the vehicle.

In general, your car insurance policy will cover the vehicle and not the driver. However, there will always be exceptions to cover the driver as well. If the driver you are lending your car is licensed and insured, he/she might be covered by your or his/her insurance policy. Typically, the liability coverage covers only you and no one else. The good thing about liability coverage is that it will still cover you when you drive other people’s cars. The opposite is also true. This means that if your friend has liability coverage and they get behind the wheels of your vehicle, they will still be covered.

The collision and comprehensive coverage will always cover your car in Chandler, AZ no matter who was driving it at the time of the accident. These two types of policies are usually linked to your vehicle and not the driver.

Contact San Marcos Insurance Group today for your auto insurance policy.

When to Consider Home Insurance

Your home is likely one of the biggest purchases you have ever made in your life. You have put a lot of money into this investment and you want to have a lot of memories over the years in it. Because of these two key reasons, here at San Marcos Insurance Group serving Chandler, AZ, we will always recommend that you have home insurance on your home. However, you may be wondering when you should get home insurance or how long after purchasing you should get some. 

When it comes down to it, you want to have home insurance on your home as soon as you possibly can. You never know when something bad will happen to your home or what they situation may be. You do not want to play that guessing game or run the risk of not having coverage when something bad does happen. The est time to get home insurance is to get it when you purchase your home. However, if you already have a home but do not have any home insurance, you want to get it as soon as you possibly can so you can have the coverage that you need on your home. 

Home insurance is a critical component of owning a home and making sure it is protected no matter what. The last thing you want is something to happen to your biggest investment of your life. if you need to get a home insurance policy, be sure to reach out to us here at San Marcos Insurance Group, serving Chandler, AZ, today. We can work with you to make sure that you get the right amount of coverage as well as a policy that meets your budget needs as well. We can even take a look at your current policy to make sure you have the right coverage.

Will Pre-Existing Conditions Ruin My Health Insurance?,

In the past, pre-existing conditions could seriously complicate your health insurance coverage. These days, things have changed for the better. So if you live in Chandler, AZ and need help, let us at San Marcos Insurance Group show you the way.

Pre-Existing Conditions Shouldn’t Affect Your Policy

Under the ACA, pre-existing conditions cannot affect whether you are accepted or even influence your premiums. In fact, it is against the law for your provider to even attempt to do either of these things. In this way, more people can have health insurance and you can get your issues treated without suffering from excessively expensive policies.

When Your Policy Could Be Affected

There are a few instances in which a provider may deny you because of pre-existing conditions. These are generally very rare and only occur in situations that are obviously improper. For example, people who try to buy a short-term plan to save themselves money by covering a specific problem may be denied if they have pre-existing conditions. This idea was put in place to protect companies from fraud.

What if a Provider Does Increase Premiums or Deny Coverage?

If you somehow find an insurance provider that denies your coverage or increases your premiums because of pre-existing conditions, you have found a provider that is committing a crime. You need to report them to the proper authorities and find another insurance dealer who is going to have your back when it comes time to pay for your coverage.

Let Us Help You

So if you live in Chandler, AZ and have pre-existing conditions that you are worried will complicate your insurance, please don’t hesitate to contact us at San Marcos Insurance Group. Our specialists will take a look at your case and find a policy that is fair for you and which won’t cost you an arm and a leg to buy.

How Are Life Insurance Needs Calculated?

One of the best ways to offer protection to your loved ones in the event of your untimely death is life insurance. Life insurance is designed to give them the financial security they need to cover expenses and living costs in the years to come. Having a loss of income can devastate those who aren’t protected by a quality life insurance policy. Find out how to calculate your insurance needs with a few basic tips.

Calculating Life Insurance Needs

The rule of thumb for figuring out your life insurance coverage amounts is to add up all of the financial expenses, including tuition costs, for the next ten years. This will ensure that all of the bills such as mortgage payments are covered and give your family or loved ones the time they need to recover. If you are unsure of all of the costs that should be factored in, you can consult a licensed life insurance agent, and they will give you the information you need to get a figure that will protect everyone after your passing.

Finding The Right Insurance Company

Finding the right life insurance provider is just as important as finding the right coverage. You want to choose a company that offers superior customer service and can educate its consumers on the fine print in the contract. An excellent company that serves the residents in and around the Chandler, AZ area is San Marcos Insurance Group. They have highly skilled agents that can help you discover coverage options designed to fit your lifestyle and protect your family from financial losses as a result of untimely death.

If you live in or around the Chandler, AZ area and would like more information about life insurance options, call or stop by San Marcos Insurance Group to speak with a friendly agent. 

What Does Commercial Insurance Cover?

Owning a business is a very challenging experience. While it can be very rewarding and is a dream that many people share, owning a business does come with a lot of unique risks that need to be carefully addressed. For business owners that are in the Chandler AZ area, getting a commercial insurance policy could provide a lot of coverage that can mitigate some serious risks. Commercial insurance can provide a variety of types of coverage to a business and its owners.

Protects Against Liability

If you own a business, you are taking on liability whenever you have a customer come to your place or business or use your product or service. Given the volume that your business can do, this is a lot of risks that you are taking on every day. When you have a commercial insurance policy in place, you will receive protection against this liability. You will also receive support in the event your business is sued.

Injured Workers

When you have employees that work for your business, you will be required by state law to carry workers compensation insurance. This type of coverage will provide insurance coverage in the event an employee or contractor is injured while working for you on the job. This could prove to be very valuable for both you and your employees if someone is hurt.

If you are a business owner in the Chandler, AZ area and would like to know more about commercial insurance and how it can protect you and your business, contacting the San Marcos Insurance Group would be beneficial. The San Marcos Insurance Group will be able to explain to you what all the benefits of commercial insurance are and will help to make sure that you choose the right commercial insurance policy for your business.

 

Auto Insurance For Teen Drivers

Things often get confusing when it comes to car insurance for teen drivers. In most cases, young drivers are likely to cause more car accidents compared to older drivers, meaning that the risk level that the insurance company covers is higher. Younger drivers who are aged 16 and below have a higher crash rate compared to 18 and 19-year-old teens.  This makes teen car insurance a bit costly. The younger your teen is the more you will pay for the coverage.

Are you searching for car insurance policy for your teen? Companies like San Marcos Insurance Group serve the Chandler, AZ area and its surroundings and can provide affordable auto insurance for teen drivers.

Teen auto insurance alternatives

Since auto insurance policies for teens can be a little costly, here are some options to consider:

Add a teen to your auto insurance policy

One of the easiest and less costly ways to get auto insurance for your teen is to add them to your policy. Parents who add their teen to their policy should expect their rates to run high. Sometimes, these rates can go higher than insuring an adult driver.

Contact the insurance company and discuss the changes you would like to make on your policy in details. They will provide the minimum and maximum coverage limit to ensure that they inform you of the ins and outs of each coverage, including the available discounts. Also, ensure you have your teen’s driver’s license data before contacting your preferred insurance company.

Buy your teen their own policy

Are you wondering if you can get a separate teen auto insurance in Chandler, AZ? Yes, insurers can sell covers directly to teens. However, you must know what the state laws stipulate when it comes to your teen’s ability to sign for insurance. For instance, you might be required to co-sign and this doesn’t come cheaply. In fact, the teen might have a higher premium than adding them to a guardian or parent’s policy.

You can get teen auto insurance from San Marcos Insurance Group. Contact us today for more information.

The Benefits of Health Insurance

No one ever plans to get sick, but when it happens, you need to be financially prepared to cater for medical expenses. And with the rising costs of living, something as basic as healthcare can be very costly. That’s why you need to have health insurance with San Marcos Insurance Group to protect you and your family from the unknown. Plus, most people in Chandler, AZ are required to have health insurance or risk paying a penalty. Some of the benefits of having health insurance include:

Preventive Care Services

Several people have to deal with deadly diseases like cancer, diabetes, and obesity due to lack of early detection. Health insurance allows you one or more medical check-ups a year. This means that you have the chance to detect an illness early enough and treat it before it gets serious.

It Gives you Peace of Mind

No one wishes to get injured or ill, but it happens anyway and without warning. This means it could happen when you don’t have the financial ability to get proper medical care. With proper coverage, you don’t have to worry about that because your health insurance coverage will come in handy.

Offers a Wide Coverage

Health insurance offers several categories of health care services. They include inpatients care, doctor’s services, prescription drugs, pregnancy, maternity services, mental health services, pre-natal and post-natal services, dental services, surgeries, the list is endless.

Access to Certain Healthcare Services

In the event of an emergency, one second is all that is needed to save a life. Having health insurance may give you access to ambulance services and emergency room services.

San Marcos Insurance Group is here to help you find an affordable health insurance policy that suits your needs. We service the area of Chandler, AZ, and its environs. Contact us today for more information.