Should You Increase Your Home Insurance Coverage?

Home insurance is designed to protect you against unforeseen events that can lead to financial loss. The protection you receive, however, is only as good as the accuracy of your coverage. If it’s been a while since you updated your policy, you may have inaccurate coverage. A visit to your San Marcos Insurance Group agent in Chandler, AZ can help you determine if it’s time to increase your home coverage.

Reasons to Increase Home Insurance Coverage

Standard homeowners’ policies offer dwelling, property, and liability coverage. Over the years, your home and personal property may undergo significant changes that require an update to your insurance policy.

Major home renovations, such as adding a bedroom or backyard patio to your property or remodeling your kitchen, will increase your home’s value. If your current dwelling coverage is less than the increased value of your home, your home won’t be fully protected from a major disaster.

Another factor to consider is the rise in the market value of your property. Your home may be worth much more today than several years ago. If you haven’t updated your policy in a few years, you probably have insufficient dwelling insurance to protect your property thoroughly. Ideally, this coverage should be enough to rebuild your home if it’s totally destroyed in a disaster.

In like manner, your property insurance should be enough to repair or replace personal goods damaged or lost in a disaster. If you’ve acquired costly goods over the last year, you may need to increase your property coverage to protect these assets. Otherwise, you could replace them on your own if they’re stolen, damaged, or lost in a major disaster.

Where to Update Your Policy

For help upgrading your home insurance to obtain up-to-date coverage, contact San Marcos Insurance Group in Chandler, AZ.

What should someone in Chandler think about when getting health insurance?

Anyone living in the Chandler, AZ area must take their personal insurance needs seriously. A form of coverage all people in the area need to have is health insurance. This is important coverage as it ensures you have access to affordable care when you need it. There are various factors someone should think about when shopping for this coverage here. 

Coverage Levels

It is essential to consider the coverage levels provided by each form of coverage. Health insurance coverage varies considerably by plan. Some types of coverage can include medical services, physical therapy, hospitalization, prescription drugs, maternity support, preventive care, mental health service, and many other forms of support. You should ensure the plan you choose has the right amount of coverage. 

Deductibles and Individual Costs

Each health insurance plan will also have a different cost structure. Each plan will have a premium paid monthly to the health insurance provider. You will also have co-pays to see a doctor, receive medication, and obtain other forms of care. Finally, you need to know your deductible, which is the amount of money you need to pay out of pocket before receiving some forms of care. Many plans also have an annual maximum you will be required to spend. Evaluating and comparing these options is very important. 

Health insurance is a form of coverage that everyone in the Chandler, AZ area should consider and take seriously. When you are looking for health coverage here, calling our team with the San Marcos Insurance Group would be beneficial. When you call our professionals at the San Marcos Insurance Group, you can get the support necessary to build a plan that adequately covers you and your dependents. 

Tips For Choosing the Right Commercial Insurance

As a business owner, you have to manage many risks, and one of the most efficient ways to do that is to have business insurance. The right commercial insurance helps protect you as a business owner, your company, employees, and leadership from all types of risks. Finding the right insurance is an essential part of any business management strategy. However, finding it is not easy and could be pretty challenging. In this article, you will find several useful tips to help you make the right choice. 

Tips For Finding the Right Commercial Insurance Plan

  • Get familiar with different types of business insurance. The most common types of business insurance that you want to consider include general liability insurance, commercial property insurance, business interruption insurance, professional liability insurance, and others. Ask an insurance agent to recommend a type of insurance that will address your business needs. 
  • Shop around. Take your time and shop around to find the best insurance plan for your company. The best strategy would be to choose several insurance companies and compare their plans. 
  • Understand your risks. Every industry is different, and the risks are different too. You should evaluate your risks first and purchase an insurance plan to guard against them. 
  • Consider the deductibles. Every insurance plan has a deductible – an amount a policyholder must pay out of pocket before insurance kicks in. It would be best if you understood that the higher your deductible is, the less you pay for your insurance monthly.  

San Marcos Insurance Group – Find Your Perfect Commercial Insurance in Arizona

Do you operate your business in Chandler, AZ, or another nearby town? Are you shopping for commercial insurance that protects your company, employees, and assets? Do not look any further – San Marcos Insurance Group is here to assist you. We will help you find an insurance plan to meet your needs and budget. Please visit our website for more information or give us a call. 

Understanding Auto Insurance Coverage

If you’re driving in Chandler, AZ, knowing about your auto insurance options is important. Each type of policy offers varying levels of protection. San Marcos Insurance Group can help you understand our most popular coverage choices.

  • Liability Coverage: In most states, having this coverage is essential and required by law. It will pay for any damages or injuries you may cause to other people in an accident. Opting for higher coverage limits than the minimum requirements can offer extra protection.
  • Collision and Comprehensive Coverage: Collision coverage will pay for any damage to your car in an accident. Comprehensive coverage pays for damage from theft, vandalism, or bad weather. You can buy both of these coverages separately or together.
  • Uninsured/Underinsured Motorist Coverage: This coverage will protect you if you get into an accident and the other driver either doesn’t have enough insurance to cover your losses or doesn’t have any insurance. Furthermore, it will also provide coverage if the other driver leaves the accident scene.
  • Medical Payments Coverage: Regardless of who caused the accident, this coverage will pay for medical expenses, hospital visits, and funeral costs.
  • Personal Injury Protection (PIP): Regardless of who caused the accident, PIP will cover medical expenses and lost wages. Additionally, it covers expenses related to rehabilitation and other accident-related services.

Understanding the different types of auto insurance coverage available can help you make an informed decision when shopping for car insurance. You can tailor your policy to meet your specific needs and budget. Don’t hesitate to contact San Marcos Insurance Group. We’ll find the best policy that suits your requirements in Chandler AZ. Remember, investing in the right auto insurance coverage can give you peace of mind and protect your finances and assets in an accident.

Tips for Choosing the Right Home Insurance Provider

You want to protect your home, and having the right insurance policy can help you. But home insurance has a lot to consider, including which insurance provider you want to work with. If you’re in the Chandler, AZ area, San Marcos Insurance Group can give you some options and talk you through the choices you’ll need to make. Then you can work with a trusted agent you feel comfortable with and have an insurer who will honor their policy and make things right if you need to make a claim.

Finding the Right Insurance Provider

It’s always good to feel confident in the policy you have from your insurance provider, and when you work with us, you’ll have several providers to choose from. You won’t be limited to just one, making finding the right fit easier.

Look for an insurance provider who has good reviews, answers your questions, and talks to you about options. You want to have the very best policy for your particular needs, and that’s hard to do when you’re guessing what you need or what the policy offers. By working with us, you won’t have to do any of that. We take the guesswork out of that, so you get what you need.

Contact us today if you’re in the Chandler, AZ area. At San Marcos Insurance Group, we know how important it is for you to have a home insurance provider who cares. We’ll answer all your questions and help you choose an insurer who will meet your needs for protecting your house. Then you can enjoy your time there even more, knowing you have quality protection and great peace of mind for the future.

Health Insurance: How to Choose the Right Plan For You

Health insurance offers financial protection by covering health and treatment expenses. It saves you from the costly out-of-pocket costs you incur if you or your loved one is hospitalized. However, the benefits you get highly depend on your chosen plan, so you should choose the right health insurance plan for your needs. Follow these tips to choose the ideal health insurance plan for you and your family in Chandler, AZ.

Check Hospitals Network

Insurance companies partner with selected hospitals for the provision of healthcare facilities. As you choose your insurance plan, it’s vital to check the network and ensure the hospitals of your choice have that specific network. An insurance plan available in a broad network of hospitals will be easier for you to access, irrespective of location.

Health Coverage

Find out what the plan you choose offers. Examples of medical coverages that can be covered in a plan include daycare costs, maternity expenses, ambulance costs, costs of admission, and much more. Analyze your family’s needs and choose the ideal plan which caters to your family’s exact needs.

Some health plans can be more costly than others, so costs are a vital factor to consider. Check the premiums against the compensation amount and see if it fits your needs. Other than the premium, check the other extra expenses you may incur with the insurance plan. Compare what different providers offer and choose the best.

Renewability

Health insurance plans come with varying renewability needs. While some may have age limits, others may offer lifetime coverage. Choose the plan with lifetime coverage to enjoy the benefits in your old age. Lifetime coverage is great because enrolling in a new health insurance plan might be hard when you are old.

Contact San Marcos Insurance Group

Health insurance is a vital investment that helps you financially in case of hospital emergencies. For more information on acquiring health insurance in Chandler, AZ, contact our San Marcos insurance group team for advice and assistance.

How Commercial Insurance Can Mitigate Risks for Businesses

Many Americans dream of owning a small business. While starting a business can be a rewarding experience, both personally and financially, essentially all business owners must take on risks. Often, this means investing their own money, and if something should go wrong, they could lose that wealth. Fortunately, commercial insurance can mitigate some risks. Contact the San Marcos Insurance Group if you’d like to discuss commercial insurance for your enterprise and live in or near the greater Chandler, AZ area.

How Commercial Insurance Can Mitigate Risks

To own a business, you’ll typically have to invest in equipment, work or office space, supplies, employees, and more. Many entrepreneurs will fund the initial investments out of their own pocket. This may mean taking out a personal loan or even a second mortgage. Even if a specific business owner doesn’t have to invest much, their livelihood, including their own monthly income, could be on the line.

If a business doesn’t have insurance and is damaged in a severe weather event, such as a tornado or hurricane, the owners may be on the hook for all the damages to the building, equipment, and more. However, some weather damages may be covered with the right commercial insurance plan.

Likewise, an entrepreneur could suddenly face serious legal complications and court dates if employees or guests are hurt on the job. If a business owner has the right insurance policy, the costs, and liabilities may be covered.

Ultimately, commercial insurance can reduce risks, especially financial risks, during many different situations. Of course, details are crucial, and examining each plan is important to see what is and is not covered.

Want to learn more about commercial insurance policies and how the right policies could mitigate risks specifically for your business? Contact the San Marcos Insurance Group, serving Chandler, AZ, and beyond.

Insurance for the Modern Homeowner: Embracing Technology and Innovation

As modern homeowner looks for ways to protect their home and their valuable possessions, they are increasingly turning to technology to take proactive measures. We at San Marcos Insurance Group, serving the Chandler, AZ area, recognize the importance of embracing these technological advances in home insurance—allowing homeowners to have greater peace of mind in knowing their homes and possessions are safe.

How Technology is Changing Home Insurance

From innovative home systems to connected appliances, modern homeowners have access to a plethora of technology that can help ensure their home is safe and secure. These technological advances have revolutionized how we approach home insurance—allowing homeowners to take more proactive measures that can help mitigate losses from theft, fire, and other disasters. For example, some homeowners are installing smart doorbells equipped with cameras that allow them to see remotely who is at their front door, which can help reduce the likelihood of a break-in.

How This Impacts Coverage

The increased use of technology in homes directly impacts home insurance coverage. For example, many insurers offer discounts for homeowners who have taken steps to protect their homes with security systems, including cameras, motion sensors, and alarms. 

The Bottom Line

At San Marcos Insurance Group, we understand the importance of embracing technology in the modern home. Our experienced agents are here to help you assess your home’s needs and find the coverage that suits your situation. By taking advantage of current technological advances, homeowners can ensure that their homes and possessions are protected—giving them peace of mind knowing their investments are safe. Contact us today for more information on how we can help you protect your Chandler, AZ home.

Does Comprehensive Auto Insurance Cover Hurricane Damage or Loss?

If you own a vehicle, you’re required to have auto insurance coverage. However, there is also other coverage you may need or consider. You can count on the experts at San Marcos Insurance Group to provide the residents of Chandler, AZ, with policy options that meet their needs.

Auto Insurance Coverage

Auto insurance coverage offers you a blanket of protection against risks. If you would like to secure the right level of coverage for your specific situation, our insurance agents can help. We carefully assess your requirements and match you with the coverage you need. If you live in a storm-prone area, you’ll want to ensure you have comprehensive insurance no matter what. If there is damage to your car, this coverage will protect you.

Some other policy options include collisions, towing, hospitalization, and more. Find out which meets your needs and benefit you most by consulting with one of our agents. They can work closely with you to ensure you understand which options are available and if they work best for your situation. We believe in providing complete customer service before, during, and after securing the policy. 

Reach Out Today

Don’t wait for the auto insurance protection you need to avoid losses related to events such as hurricanes. Call or stop by the San Marcos Insurance Group office today to find out which policies are correct and offer the most protection. We are committed to educating our customers so they understand the fine print and terms and conditions for each policy. It’s a part of our commitment to excellent service for the residents of the Chandler, AZ area. 

Top Three Ways To Build Up Your Immune System

Everyone is looking for ways to save on medical expenses. One of the best ways to do this is to take the proper steps to keep yourself healthy. At San Marcos Insurance Group, serving Chandler, AZ, and the surrounding areas, we are here to help our clients make intelligent insurance and health choices. Keep reading to learn about three ways to build up your immune system. 

Get Your Vitamins

Most adults today are vitamin deficient in some way. This is mainly due to the fact that most people do not eat a healthy, well-balanced diet. Although getting the vitamins, you need from your food is possible, taking a vitamin supplement is a good idea since most people do not get the right foods in their diet daily. It is also a good idea to get a blood panel done annually to see if you have any significant vitamin deficiencies that you need to work on.

Exercise

Staying active keeps your body’s systems in the best working order. This includes your immune system. To get the most immune-boosting benefits, try to find activities that you can do outside. This gives you the added immune-boosting benefits of fresh air and sunshine. 

Try Probiotics 

Gut health can have a significant effect on your immune system. Without the right bacteria in the right amounts, your immune system will struggle to perform properly. Daily probiotics can help regulate your gut health, increase the growth of good bacteria and ultimately improve your immune system. 

If you want to learn about health insurance services, please get in touch with us at San Marcos Insurance Group serving Chandler, AZ, and the surrounding areas. We will be happy to help you today.