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5253 E Brown Road, Suite 105
Mesa, AZ 85205

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Essential gear to keep on your boat

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When it comes to being safe and prepared on the open waters, it’s essential that you have the right gear. Whether you’re headed out for a day cruise or an extended voyage here in the Mesa, AZ area or anywhere, having the right equipment can make all the difference in your boating experience.

Here are some of the must-have items we at The Morrow Insurance Agency think you should keep on your boat:

Life Jackets:

Life jackets should be worn by all passengers while underway and kept handy in case of emergencies. It’s also important to check expiration dates and sizes for a proper fit. 

Anchor & Line:

Keeping an anchor onboard is essential for anchoring your boat in times of bad weather or when you need to take a break from sailing. Don’t forget to keep an extra line handy in case of any unexpected issues with the anchor line. 

Navigation Equipment:

Having a compass, GPS, and nautical charts will help you find your way if you get lost at sea. It’s also important to bring along flares or other signaling devices so that you can alert people nearby if necessary. 

Emergency Supplies:

In case of an emergency situation, having supplies such as a first aid kit, fire extinguisher, flashlights, spare batteries, and water purification tablets can help make life easier until help arrives. 

VHF Radio:

Having a two-way radio onboard is essential for communicating with other vessels or land bases when cell phones don’t work offshore. It’s also necessary if there is an emergency situation and help needs to be called. 

Reach Out To Us

With these items aboard your boat, you’ll be well-equipped for whatever journey lies ahead! For more tips, give us at The Morrow Insurance Agency a call today. We serve the Mesa, AZ area.

How Umbrella Insurance Helps Seniors

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What do seniors have to lose? Unfortunately, the answer often is “a lot,” so seniors should consider umbrella insurance to protect the assets they worked hard to accumulate. While this article describes the value of umbrella insurance for seniors, everyone with The Morrow Insurance Agency, serving Mesa AZ, will be happy to discuss whether umbrella insurance should be part of your insurance plan.

How Umbrella Insurance Helps Seniors

Accidents happen despite our best intentions, and we buy home and auto insurance to protect us against the unexpected. Arizona is an at-fault state, so your auto insurance policy covers your liability when others suffer losses in an accident where you have responsibility. Your home insurance covers similar liability for injuries that occur in your home.

However, your home and auto policies limit the amount of liability they cover. If an accident results in liability exceeding your policies’ limits, you are responsible for the difference, potentially leaving your retirement savings, home, and other assets vulnerable. This situation is especially a problem for seniors past their prime earning years.

That’s where umbrella insurance can help. Umbrella insurance sits atop your other policies and kicks in only when you exceed their limits. This layer of protection is seldom needed, so umbrella insurance is relatively inexpensive. Still, it provides a comforting layer of protection for you and your assets.

Working With The Morrow Insurance Agency 

Knowing you and your family are protected is comforting in a world where anything can happen. So, if you live in Mesa AZ, and want to discuss the protection offered by umbrella insurance, the team at The Morrow Insurance Agency stands ready to help. Call us today to discuss a plan that makes sense for you.

Condo Insurance in Arizona: What You Need to Know

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Purchasing a condo in Arizona offers the benefits of homeownership without the extensive maintenance and upkeep responsibilities that come with a single-family home. However, as a condo owner, it’s essential to understand the importance of having proper condo insurance coverage to protect your investment. 

Here is what you need to know about condo insurance in Arizona:

Condo insurance, also known as an HO-6 policy, is specifically designed to cover the unique risks associated with owning a condominium. While your condo association may have a master policy that covers the exterior of the building and common areas, it’s crucial to have your own coverage to protect the interior of your unit, personal belongings, and potential liability claims.

In Arizona, condo insurance policies typically offer coverage for the following:

Dwelling coverage:

This protects the interior of your condo, including walls, floors, ceilings, and any installed fixtures or improvements. Dwelling coverage ensures you’re financially protected in case of damage from events like fires, storms, or theft.

Personal property coverage:

This covers your belongings, such as furniture, electronics, and clothing, in case they are damaged or stolen. It’s essential to accurately assess the value of your possessions to ensure you have adequate coverage.

Liability coverage:

This protects you financially if someone is injured while in your condo or if you cause damage to someone else’s property. Liability coverage can help cover medical bills and legal expenses if a lawsuit arises.

Loss assessment coverage:

In some cases, your condo association may levy special assessments to cover damages to common areas or shared property. Loss assessment coverage can help protect you from these unexpected expenses.

When looking for condo insurance in Arizona, it’s essential to work with a knowledgeable and experienced insurance agency. The Morrow Insurance Agency serving Mesa, AZ offers personalized service and guidance to help you find the right coverage for your unique needs. As an independent agency, they can provide you with a wide range of options from various insurance carriers, ensuring you receive the best possible coverage at competitive rates.

Reach Out To Us

Obtaining proper condo insurance in Arizona is crucial to protect your investment, personal belongings, and potential liability claims. By working with a reputable agency like The Morrow Insurance Agency in Mesa, AZ, you can have peace of mind knowing you have the right coverage for your specific needs.

Auto Insurance 101: A Beginner’s Guide to Understanding the Basics

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Auto insurance is a contract between a policyholder and the insurance company designed to protect the policyholder financially in case of a car accident or theft. Auto insurance is important as it covers expenses that may arise due to car damage, medical bills, or third-party claims. It also provides peace of mind knowing that you are financially secure in the event of an accident.

Types of Auto Insurance Coverage You Should Consider

If you live in the Mesa, AZ area, there are several types of auto insurance coverage offered by The Morrow Insurance Agency that you should consider when choosing an auto insurance policy. Liability insurance covers the costs of bodily injury and property damage to others that you may cause in an accident. Collision coverage pays for damage to your own vehicle in the event of an accident with another vehicle or object.

Comprehensive coverage covers damage to your car caused by things other than accidents, such as theft, natural disasters, or vandalism.

Uninsured motorist coverage protects you if you are in an accident with an uninsured or underinsured motorist, while personal injury protection covers medical expenses for you and your passengers in the event of an accident. Other optional types of coverage include rental reimbursement, roadside assistance, and gap insurance.

Filing an Auto Insurance Claim: A Step-by-Step Guide

If you are involved in an accident in the Mesa, AZ area, the first step is to call the police and report the accident. Then, you should contact your insurance company as soon as possible to report the claim. Provide them with all the necessary details and documentation, such as your policy number, the date and location of the accident, and the other driver’s information.

Your insurance company will investigate the accident and assign an adjuster to handle the claim. The adjuster will assess the damage, review the policy coverage, and negotiate a settlement with the involved parties. Make sure to cooperate with the adjuster and provide any further information they request.

Once the settlement has been agreed upon, your insurance company will pay for the damages covered under your policy. Always review your policy and make sure you understand what is covered and what is not so that you can make informed decisions about your insurance coverage.

We Are Here To Help

Overall, auto insurance is an essential protection for all drivers. It is important to understand the types of coverage available and how to file a claim in the event of an accident. By following this beginner’s guide, you can be well-prepared for any situation that may arise on the road. Contact us at The Morrow Insurance Agency for any questions you may have about the different policies available to you. 

5 FAQs About Classic Car Insurance

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Maybe you have an antique or collector’s car in Mesa, AZ that you want to insure. Your car is an extension of who you are as a person, so getting the right coverage is a big deal. Just as you put special care into keeping your car in pristine condition, you want a policy that dots every "i" and crosses every "t" without breaking the bank. The professionals at The Morrow Insurance Agency have put together this list of frequently asked questions to help you get started.

Classic Car Insurance FAQs

1. What Types of Cars Does Classic Car Insurance Cover?

Your agent can help you find a policy that includes your vehicle in its definition of classic cars. Here are some of the most common vehicles covered by classic car insurance:

  • Antiques
  • Classic cars, trucks, and military vehicles
  • Exotics
  • Military vehicles
  • Modified vehicles, like hot rods, tuners, and lowriders
  • Motorcycles and scooters
  • Retired commercial vehicles, like fire trucks
  • Classic tractors
  • Muscle and race cars
  • Kit cars and restorations in progress

2. How Much Can I Use My Antique Car Without Losing Insurance?

You cannot use your classic car for everyday use. Each policy is unique, so make sure you understand the mileage limits. In some cases, you’ll need to provide proof that your car remained garaged for a certain length of time, for example.

3. What Types of Coverage Does Classic Car Insurance Include?

Typically, minimum coverage includes liability insurance for any damage or injuries you may cause to others. Make sure to consider collision and comprehensive coverage for your classic car. This will cover theft, vandalism, and weather-related damage, among other possible incidents listed in the policy. Uninsured/underinsured motorist insurance has you covered if someone with low or no coverage hits your antique car. All these coverage options will give you peace of mind when driving or storing your classic car, truck, tractor, or another vehicle.

4. Do I Need Roadside Assistance?

Getting roadside assistance ensures that you can have your antique car repaired or towed if you break down en route to the next car show. This can save you hundreds or thousands of dollars in an emergency.

5. Which Insurance Carrier Has the Best Coverage for Me?

Contact the experienced agents at the Morrow Insurance Agency to discuss the insurance policies that would work best for your classic vehicle. We would be happy to find the right policy for your needs as you drive your antique sports car or pre-1980s truck around Mesa, AZ and beyond. Contact us today to set up an appointment for an accurate quote.

Why does someone need to have recreational insurance in Arizona?

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In the state of Arizona, many people will find that it can be a fun and exciting place to live. Those that are in the Mesa, AZ area will find there are a lot of great trails, parks, and other destinations where they can use their recreational toys. For those that own one of these assets, it is important to remember that it is a big asset and responsibility.

While it is not necessarily required by law, it is important that you have insurance on these assets.

Why Recreational Insurance?

Support to Replace or Repair Assets

One of the ways that you can benefit from having recreational insurance is that it can provide the support you need to replace or repair your asset. If your asset is damaged in an accident or stolen, you will likely want to repair or replace it. However, you could find that doing this is quite expensive. Fortunately, you are able to use your recreational insurance plan to cover these costs.

Liability Insurance

It is also helpful to get this coverage as it offers liability support. If you are at fault in an accident, you will have to cover the damages incurred by the other party. In some cases, these costs can be significant. When you have recreational coverage, you will likely have ample liability insurance to protect you in these situations.

Contact Us Today

If you invest in any type of recreational asset in the Mesa, AZ area, it would be helpful to get the right insurance for it. When you start looking for a policy in this area, it would be wise to call the team with The Morrow Insurance Agency. With so many choices to make, calling The Morrow Insurance Agency can help you assess all of your options and choose a plan that provides the right support.  

Tips for taking your motorhome to a national park

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The Morrow Insurance Agency has served the Mesa, AZ community with its insurance needs, including coverage for motorhomes. We are here to assist with all your queries. Are you planning a trip to a national park? If so, there are some things you should be aware of before you take your motorhome.

Here are some tips for making the most of your visit:

1. Make sure that your motorhome is equipped with everything you need. This includes items like cookware and bedding, as well as any supplies or equipment that might be required for activities in the park. For example, if you plan to do any hiking or biking in the park, make sure that your motorhome has space for a bike rack or other type of transport.

2. Find out about any special rules or restrictions that may apply in the park where you’re traveling. Some parks allow campfires while others don’t, for example.

3. Research where you can stay in the park and when you should make your reservations. Most parks have designated campsites that fill up quickly during high season, so it’s important to be prepared with a backup plan if necessary. Be sure to do this well in advance of your trip to ensure that you get the best possible accommodations.

4. Pack light, but pack wisely! Make sure that you bring only the things you’ll truly need on your trip – keep in mind that anything extra will just add extra weight to your motorhome and could be difficult to transport from place to place within the park. But also remember not to skimp on essentials like food and water supplies or other items that you might need in an emergency.

Get Coverage For Your Motorhome Today

For more tips on taking your motorhome to a national park, give us at The Morrow Insurance Agency a call today. We proudly serve the Mesa, AZ area. 

Basic RV Insurance Coverages Explained

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The Morrow Insurance Agency serves our Mesa, AZ clients on what you need to know about RV insurance so you can get back to enjoying life. Whether you are new to your RV or ready for another season of adventure and want to review your coverages, this quick guide will help you understand the basics. 

Which RVs Require Insurance Coverage?

If you can drive your RV, it requires minimal insurance liability coverage in most states. If you tow it from place to place, it’s unlikely that insurance is state-required, but you can still opt for coverage. 

What RV Insurance is Required? 

In Arizona, you are required to carry a minimum motor vehicle liability coverage of:

  • $25,000 bodily injury liability for one person
  • $50,000 for two or more persons
  • $15,000 property damage liability.

You’ll find most states have similar minimum liability requirements for driveable RVs. 

What Insurance Coverages Can You Get for Your RV? 

  • Collision: Payment for accident damage. 
  • Comprehensive: Payment for fire, theft, vandalism, wind, and other valid non-collision claims. 
  • Property Damage: Pays when your RV caused damage to another’s property. 
  • Bodily Injury Liability: Covers medical expenses related to an accident you are liable for in your RV. 
  • Uninsured Motorists: Covers your collision repairs when without a deductible when another motorist is responsible for collision damage but lacks liability coverage. 

Unique coverages exist that offer specialized protection for motorhomes. These may include, but are not limited to:  

  • Total Loss Replacement: For newer RVs, the full replacement cost is provided in the event of a total loss. 
  • Replacement Cost Personal Effects: Covers the cost of your unattached possessions lost in a claim. 
  • Emergency Expense Coverage: This covers you if you become suddenly stranded due to a claim for travel expenses, food, and lodging. 

Contact Us Today

If you are ready to add or renew your RV policy in Mesa, AZ, call or stop by the Morrow Insurance Agency today. Our team of insurance experts will be happy to answer your questions and help you prepare for your adventure with confidence. 

Protect your motorcycle from theft and vandalism with a comprehensive policy

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The Morrow Insurance Agency is here to help motorcycle owners in the greater Mesa, AZ area protect their bikes from theft and vandalism. Contact us today to learn more about the comprehensive motorcycle policies that are available in our area. 

Benefits of a comprehensive motorcycle policy

Many motorcycle owners opt for the least amount of coverage available when selecting an insurance policy. This can help save money in the short term but could lead to financial disaster down the road. With a basic policy, it is unlikely that the policyholder will have very much protection.

Outside of a minimal amount of coverage for liability and collision, with a basic policy, there are a lot of instances where the owner will not have the protection they need. This is especially true in the case of theft or vandalism. When a basic policy is in place, it will typically cover losses and damage that is related to an accident. 

This means that if something were to happen to the covered motorcycle through a different type of event, the insurance policy would not provide any coverage. For example, without a comprehensive policy, the owner will be responsible for any financial loss due to the theft of their bike. The same holds true if the bike is damaged in an incident that’s unrelated to an accident. Now is an ideal time to update to a comprehensive policy.  

Let us help you find the right policy for your needs

Mesa, AZ area motorcycle owners can count on the team at The Morrow Insurance Agency for all of their insurance needs. We are here to help you protect yourself, your passengers, and your bike. Call or stop by our office today to find out more!

Risk Factors for Arizona Boating Accidents

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Boating is a favorite community pastime, whether relaxing on the water, fishing, or enjoying water sports — but it comes with risks. To best understand boating accidents, The Morrow Insurance Agency in Mesa, AZ has compiled the top risk factors. Be aware of these risks when on the water as listed by the Arizona Game & Fish Department’s frequent contributing factors to boating accidents and casualties.

Risk Factors in Boat Accidents

Accidents can happen when boating despite your best efforts, but there are many ways you can lessen these risks. Take preventative action to avoid these common complaints, and make sure you have a strong boater’s insurance policy that covers the rest.

  • Avoid excess alcohol use or drug use that can impair boat operation
  • Get educated on boat operations and how to pay attention to both risks and navigational aids. Learn the local laws and consider a boater’s safety course.
  • Avoid boating in hazardous waters such as strong currents or areas with restricted vision (e.g., fog)
  • Ensure your boat is in proper working order at all times, including motors, navigation lights, and safety gear 
  • Practice safe docking with proper anchoring of the boat, storage and loading of gear, and onboarding of passengers
  • Drive safely. Don’t speed, jump wakes, add passengers to the gunwale or perform other daring maneuvers.
  • Follow boating traffic regulations when entering and leaving dock space.
  • Register and insure your boat according to local Arizona laws. Consider both legal liability and also property damage coverage.

Get Boat Insurance Today

Understanding the risks can help prevent future accidents. The Morrow Insurance Agency serving Mesa, AZ is here to help safeguard your family in the event of a boating accident. Contact us today!

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