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5253 E Brown Road, Suite 105
Mesa, AZ 85205

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Arizona Insurance Blog

Why All Motorcycle Riders Need Motorcycle Insurance

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When you ride a motorcycle, you face a lot of risks. Some of these are financial risks you could face due to an accident. It’s vital that you always have motorcycle insurance for your own protection. It’s also important to have because the state of Arizona requires it. Riding without insurance can result in legal trouble and stiff fines. For these reasons, letting your bike go uninsured is never a good idea. Call us at The Morrow Insurance Agency in Mesa, AZ, to get started on a motorcycle policy. 

Liability Coverage

Some of the most important and state-mandated coverage you need in your policy are two forms of liability coverage. These policies protect you in different ways after you’ve had an accident. When you get your policy, it’s required to have bodily injury liability coverage and property damage liability coverage. One pays for the medical bills that someone has after getting into an accident with you. The other pays for the damage to their vehicle or other property like landscaping. Both of these are needed for your financial protection if you’re judged to have caused an accident. 

Other Motorcycle Coverage

You need collision coverage if you want financial protection for your bike’s damage after an accident. This is a type that pays for the repairs or bike replacement you’ll need after you’ve been in an accident judged to be your fault. There’s comprehensive coverage if you want protection for your bike when it isn’t being driven. Plenty can happen to it when it’s parked, and you need to be prepared. 

Get Motorcycle Insurance 

If your ride isn’t covered yet, it’s time to kick into gear. When you need coverage, call The Morrow Insurance Agency in Mesa, AZ, to learn more. 

Why It’s So Important for All Boaters to Have Boat Insurance

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Being a boat owner entails ample responsibilities, most notably ensuring the safety of your prized possession and its occupants. Accidents can happen, and being found at fault can lead to significant financial implications. The solution? A comprehensive boat insurance plan.

The Risk of Boating Accidents

Accidents on water don’t require blistering speeds to be severe. Two stationary boats colliding can lead to significant damage. And if found culpable, you’ll have to shoulder the cost of medical treatment and potential property repair for the other party. Safeguarding against these daunting costs becomes possible with dual liability coverage for bodily injury and property damage.

Additional Coverages to Consider

Your policy can be buttressed with collision protection, which pays for any damage to your boat resulting from an accident. Without this, you may face hefty repair charges or lose your boat entirely. Furthermore, comprehensive coverage can protect your vessel when parked on land, making it a highly recommended addition for every boat owner.

Invest in Boat Insurance for Your Peace of Mind

Adequate insurance dampens the looming threats of accidents or potential mishaps, ensuring every voyage is worry-free. If you need boat insurance, we invite you to contact us at The Morrow Insurance Agency in Mesa, AZ. Let’s get you started on your journey to secure sailing.

Umbrella Insurance for All Your Coverage Gaps

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If you are a homeowner in the Mesa, AZ, area, then hopefully, you have home insurance. The same applies to owning a vehicle or even a boat. That also means that you have all the coverage you need. Well, that is where the team at The Morrow Insurance Agency can help.

Yes, home and auto insurance policies often cover most of the basics, but what about the other areas where you might need insurance? At The Morrow Insurance Agency, our friendly and experienced team of agents can review your policy and help you recognize any possible gaps in your coverage.

Umbrella Insurance for Gaps in Your Coverage

When damages or issues arise that exceed the limits of your coverage, umbrella insurance can be the solution. When homeowners want that peace of mind and the protection they need when their current coverage falls short, they need the extra coverage an umbrella policy provides.

Would you benefit from umbrella insurance? Does your current insurance cover all the what-if scenarios? If you have questions, want to learn more about umbrella insurance, or desire to find out if umbrella insurance could help you, your local agents at The Morrow Insurance Agency can assist with all your umbrella insurance questions and needs.

Contact The Morrow Insurance Agency Today

Thank you for visiting The Morrow Insurance Agency. If you live in or near Mesa, AZ, and are looking for umbrella insurance, look no further than our helpful and friendly agents at The Morrow Insurance Agency. Contact us today to find out more and cover all your coverage gaps with the umbrella insurance you need and deserve.

Condo Coverage Essentials for Arizona Residents

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Owning a condo can be a beautiful and exciting adventure in Mesa, AZ. While there are various aspects of your condo that may be covered by HOA fees and more, it’s important that you have the necessary coverage for your own financial protection, too. At The Morrow Insurance Agency, we can ensure that you have condo insurance that is built specifically to protect you and your condo.

What Condo Insurance Protects

Your condo association has insurance that protects the building. However, your condo is inside that building. As such, it can get confusing as to what is and isn’t your responsibility.

Condo insurance is a necessity to protect what actually belongs to you – the walls, ceilings, and floors of your unit.

Additionally, your policy will also protect everything that’s inside of it, including furniture and other personal belongings. It will also provide coverage for living expenses in the event that your condo becomes unlivable for a  time period following a catastrophic event, such as a fire or flood.

What’s the Right Amount of Coverage?

It can be difficult to figure out just how much coverage is enough in Mesa, AZ. You want enough that you don’t have to spend a fortune if you have to file a claim. However, you also don’t want so much coverage that you’re spending more than what’s necessary.

This is where it is critical to work with an experienced insurance agent. One of our agents can talk to you about the value of your condo and everything in it. We can also look at past problems that have occurred in the area so that you can be fully covered for anything that could (and might) happen.

Make the call to talk to us at The Morrow Insurance Agency today. We’ll customize a quote and search for an affordable premium that fits within your budget.

Auto Insurance Options for Snowbirds and Other Seasonal Arizona Residents

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If your winters are spent here in the Mesa, AZ area, and your summers in another location you love, you’re probably looking for ways to keep from doubling your expenses. Keeping a home, vehicle, and lifestyle in both places can use a lot of resources, even while you’re away. At The Morrow Insurance Agency, we have many clients who come and go on a seasonal basis, and we help them get the most from their insurance coverage without unnecessary complications. Many insurance companies understand that our lives can be quite flexible, and they have responded with options that keep you a happy customer year-round.

When You’re Not Covered, You’re Not Covered

One option people consider is canceling coverage when they’re not using their vehicle. It’s not just something snowbirds think about, around the country people consider buying coverage for motorcycles and other vehicles they only use during certain seasons. There are drawbacks to being a part-time customer of your insurance company, the most notable being that when your policy isn’t in effect, you still have risks and obligations to consider.

Arizona is one of the few states that allows you to register a vehicle without proof of insurance, so you might not need to give up your tags each time, but you definitely cannot drive without insurance. If your vehicle is uninsured and stolen or damaged, perhaps by weather, you’re stuck.

A Wait-and-See Approach

Pausing coverage and purchasing specialized storage coverage are two ways to keep some coverage on your vehicle in case weather, garage structural problems, theft, or other risks find and harm your vehicle. At The Morrow Insurance Agency, we can help you get covered in Mesa, AZ. We love to help snowbirds, call us today!

Classic Cars Require Specialized Insurance

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The Morrow Insurance Agency provides the insurance services that the Mesa, AZ community relies on. We can help you determine the right classic car policy for your needs. Contact our office today to find out the options that are available to protect your classic car.

Specialized Policies for Classic Cars

When you own a classic car, it’s more than just a vehicle for transportation. These vehicles often represent a sizable investment, and require specialized policies that are designed to protect classic cars. A typical auto policy is not appropriate for your classic car. You’ll need to obtain a dedicated classic car policy.

There are a few considerations to make when selecting your policy. For instance, how often do you drive it, and where is it stored? The answers to these two questions will help your local insurance agent better understand your coverage needs. For example, if you drive your vehicle to and from classic car shows only and store it off-site in a temperature-controlled storage unit, your needs will be different from those of someone who drives their classic car every weekend and stores it at home. The more information your agent has, the better equipped they will be to present information on appropriate policy options.

Contact us today to learn more!

If you own a classic car and live in the greater Mesa, AZ area, you can turn to The Morrow Insurance Agency for the classic car policy that’s right for your vehicle. Give us a call today or stop by our office to learn more about the policy options that are available in our area. We look forward to hearing from you soon! 

Recreational Insurance: What It Is and What It Covers

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If you live in Mesa, AZ, it’s likely that you own some type of recreational vehicle. From boats and campers to ATVs and dirt bikes plus everything in between, recreational insurance is a type of coverage that protects you and your machine should disaster strike. And just like with your house or car, having the right type of policy can prevent you from paying hundreds – or even thousands – of dollars in repairs out of pocket. 

Common Situations Covered By Recreational Insurance

There are many different types of policies available that can vary from provider to provider in both cost and coverage options. In general, however, recreational insurance typically covers the physical damage to property (both yours and others) as well as injuries involved. If an accident results in damage to your machine, other property, or injury to yourself or others, your insurance will typically pay for the additional costs associated after you’ve met your deductible.

When Additional Coverage Might Be Needed

Each policy will have its own list of events and items covered, but some situations may call for additional protection. Some policies will cover loss due to theft or vandalism while others may cover emergency roadside assistance. If your policy doesn’t cover these or other events that you would find beneficial, they can often be purchased as an add-on. If you’re unsure about the specifics of your coverage, you can request that information from your provider or agent.

The Morrow Insurance Agency Is Here To Help

If you live in Mesa, AZ or the surrounding area and need help finding the right recreational insurance policy for your needs, the team here at The Morrow Insurance Agency can help! We’ll work with you to find the coverage you need at a price you can afford.

Is it a good idea to have a motorhome insurance plan in Arizona?

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If you are in the Mesa, AZ area, you may find that owning a motor home is a good idea. When you are a motor home owner, it can offer you a fun way to tour the state and country and offer a place to sleep when you are not on the road. Along with the purchase of a motor home, you also need to think about insurance. It is a good idea to have this coverage for a range of reasons. 

Protect Your Motor Home

A reason that you should keep a motor home insurance plan in place is so you can protect the asset. If you choose to buy a motor home, you will soon find that it is a very big investment. To ensure your investment is secured, you will want to have insurance for it. This will give support if the motor home is damaged or stolen.

Reduce Liability Concerns

It is also a good idea to have motor home insurance to reduce your liability risks. There are several risks that go along with operating a motor home, including the risk you could cause an accident. When you are insured, you will have financial support to cover the claims. This will also ensure you are in good standing with state law regarding insurance needs. 

Reach Out To Us

If you are going to buy a motor home in the Mesa, AZ area, you will want to be assured that you get it properly insured. As you are looking for this coverage here, it can be a great idea to call our professionals with The Morrow Insurance Agency. When you call our team with The Morrow Insurance Agency, you will get all the guidance that you need to build a quality policy that protects your motor home. 

Do I Need RV Insurance If I Only Use My RV Occasionally?

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At The Morrow Insurance Agency in Mesa, AZ, we help clients who own RVs protect their prized possessions. Even if you only drive your RV once or twice a year, RV insurance can be a lifesaver. It can give you peace of mind and more, as we’ll share below.

Do I Need RV Insurance If I Only Use My RV Occasionally?

At first glance, you might think that you only need RV insurance if you use your RV all the time. For those who only drive their RV on occasion, RV insurance could seem like you won’t get your full usage out of your policy. While this line of logic might make some sense, the decision to buy RV insurance is more complicated than simply answering whether you use your RV regularly. 

Even for those who only drive their RV once in a blue moon, RV insurance can be helpful. Since RV insurance provides liability protection, it can come in handy in the event that you’re found to be at fault in an RV accident. As any RV owner knows, it only takes one disaster like this to wreck your finances. RV insurance can help prevent this kind of problem even if you don’t drive your RV more than a few times a year. 

If you travel between different states, it’s especially important to carry RV insurance no matter how often you use your RV. This is because some states legally require RV owners to carry RV insurance. Some RV insurance policies may have terms that are more friendly to RV drivers who use their RV part-time.

Schedule A Consultation Today!

For more information about our RV insurance policies, call our office at The Morrow Insurance Agency in Mesa, AZ today!

What to Pack in Your Motorcycle’s Emergency Kit to Keep You Safe on the Road

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Before you hit the road on your bike, it’s important that you have the supplies you need to stay safe. At The Morrow Insurance Agency, serving the Mesa, AZ metroplex, we’re here to work with you to ensure that you’re covered when you ride. 

Your On-The-Road Emergency Kit

Here’s what you’ll need to pack in your emergency kit to keep you safe when you’re enjoying days on your bike. 

First Aid Kit

It’s a no-brainer to pack a first aid kit in your emergency bag, but it’s also important to update your kit regularly. Be sure that alcohol pads are not dried out, you have a full stock of bandages, and you have unexpired medications (like ibuprofen) on hand. 

Tire Repair Kit

A flat tire is no fun–keeping a tire repair kit on your bike allows you to check your tire pressure regularly and make small repairs on the go, allowing you to make it home with a damaged tire. 

Light Bulbs

Visibility is key when it comes to motorcycle safety, and your lights are what make you visible to others on the road. Keep spare taillight bulbs and headlight bulbs in your emergency kit so you never have to worry that a burnt-out bulb will leave you unable to be seen. 

Duct Tape

A roll of duct tape can go a long way when it comes to making small repairs on your bike. Keeping a full roll in your emergency kit can help you come up with do-it-yourself solutions that get you where you need to go, even when you aren’t in an area with a repair shop.

We Can Help!

At The Morrow Insurance Agency, we’re proud to provide Mesa, AZ residents with motorcycle insurance, allowing you to ride protected. Reach out to us today to learn more about our motorcycle insurance coverage options. 

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