Why Everyone Who Rents Should Have Renters Insurance

Secure Your Valuables with Renters Insurance

Homeownership rates have been declining nationwide, including in states like Arizona. More and more people are opting to rent, which perfectly suits our fast-paced lifestyles. However, this shift doesn’t diminish the innate desire to protect the place we call home. For residents in and around Mesa, AZ, Freedom Insurance Agency offers comprehensive solutions for safeguarding what matters most.

Renters Insurance: Ensuring the Security of Your Belongings

When we think of home, we often recall the cherished memories that were made there, the people we shared those moments with, and the valuable possessions that accompany these memories. Whether it’s your first bike, an heirloom jewelry piece, or a prized collection, all items hold a special place in our hearts; naturally, we want to secure them.

While renters don’t have to worry about property maintenance, like fixing a leaky roof or dealing with storm damage, this doesn’t cover the contents within. Renters face many of the same risks as homeowners regarding their valuable possessions, including dangers from theft or fire. Renters insurance can aid in replacing these items and alleviating the financial burden associated with such losses – all while backed by the professional guidance of knowledgeable insurance agents at Freedom Insurance Agency.

Expert Assistance for All Your Renters Insurance Needs

If you rent a home in Mesa, AZ, our professional team at Freedom Insurance Agency is ready to assist with all your renter’s insurance needs. Contact us today to learn how we can help protect your valued belongings with comprehensive renters insurance through Freedom Insurance Agency.

What to Know About Motorhomes Before Hitting the Road

Motorhomes allow you to take the comfort of home on the road. However, before starting any journeys, there are some important things you need to understand about motorhomes. As with pretty much everything, motorhomes present some risks and challenges. Fortunately, you can mitigate many of these risks by taking out motorhome insurance and through other means. If you’d like to discuss motorhome insurance policies and if you’re looking for a provider that serves Mesa, AZ and other areas nearby, contact Freedom Insurance Agency.

Ensuring a Safe Trip With Your Motorhome

Motorhomes are large, heavy vehicles. As such, if you get into an accident, there is a high chance that many people could end up injured. This means you should closely inspect your motorhome before hitting the road. Among other things, you need to ensure that the brakes work correctly, that the tires are in great condition, and that all your turn signals and mirrors are in good shape.

It’s also crucial to get the right motorhome driver’s license. Also, if you’re new to operating motorhomes, you should practice driving your motorhome before embarking on a long road trip. You can start simply by taking short journeys around town. This will afford you the opportunity to understand how your vehicle responds while in operation.

That said, even the best drivers may end up in an accident. You may operate your vehicle safely and correctly, but someone else could cause an accident. Further, criminals might vandalize your motorhome or break in to steal your personal belongings.

The good news is that the right motorhome insurance plans can provide coverage for many events. Of course, to determine what’s covered and what isn’t, it’s a good idea to work with an insurance agent. If you’re looking at motorhome insurance policies, contact Freedom Insurance Agency. We serve Mesa, AZ and other communities.

Road Trip Mishaps: How RV Insurance Can Save Your Vacation

Embarking on a road trip is a thrilling adventure, but mishaps can happen. If you’re hitting the highways around Mesa, AZ, Freedom Insurance Agency understands the importance of a worry-free journey. Discover how RV insurance can be the key to saving your vacation from unexpected twists and turns.

The Joy of Road Trips

Road trips offer the freedom to explore, but unforeseen events can cast a shadow on your adventure. Serving the region of Mesa, AZ, we recognize the unique needs of travelers in our vibrant community and provide specialized RV insurance to ensure your journey remains as enjoyable as the destination.

Protecting Your Home on Wheels

Your RV is more than just a vehicle; it’s a home on wheels. Traditional auto insurance might fall short in safeguarding the unique features of your recreational vehicle. RV insurance is tailored to address the specific risks and potential mishaps that come with life on the road.

Coverage Beyond the Basics

RV insurance extends beyond standard auto coverage, offering protection for personal belongings, attached accessories, and even campsite liability. Whether you’re parked in the serene landscapes of Mesa or navigating the open road, we have you covered.

Why Choose Us?

As your trusted auto insurance provider in Mesa, AZ, we understand the diverse landscapes and adventures that come with living in this region. Our commitment goes beyond standard coverage—we prioritize providing peace of mind for your road trip experiences.

Hit the Road Confidently – Contact Us Today

Ready to enhance your road trip experience with comprehensive RV insurance? Contact Freedom Insurance Agency for expert advice on coverage options tailored to your travel needs. Our team is dedicated to ensuring your vacation remains memorable for all the right reasons.

Does Motorcycle Insurance Cover Aftermarket Parts and Accessories?

When outfitting a motorcycle with aftermarket parts and accessories, it’s important to make sure those are insured. Here’s how motorcycle insurance commonly treats aftermarket upgrades and mods.

Standard Motorcycle Insurance Coverage

Standard motorcycle insurance policies usually cover the factory-standard parts of the motorcycle. These are the original components the bike came with when it was purchased.

Aftermarket parts and accessories — items added or changed after the original purchase — coverage isn’t always guaranteed under a standard policy.

Coverage for Aftermarket Parts and Accessories

That’s not to say coverage for aftermarket changes isn’t available. Many insurance companies offering coverage in Mesa, AZ offer coverage for aftermarket changes as an add-on or endorsement to a standard motorcycle insurance policy.

Illegal Changes Not Covered

Unsurprisingly, most changes that aren’t legal can’t be insured. If a mod makes a bike no longer street-legal, then it probably can’t be insured through motorcycle insurance. A different type of insurance (e.g. for dirt bikes) might be available.

Declaring Aftermarket Additions

With many policies, riders must notify their insurance company of aftermarket upgrades and mods that they want to be covered. Since there isn’t any one particular upgrade that’s always made, insurance companies need to know what particular additional parts are being insured.

If you ride in Mesa, AZ, we at Freedom Insurance Agency can help you notify an insurer of any aftermarket changes your bike might have.

Freedom Insurance Agency Is Here To Help

If you need help insuring a bike, including the stock bike and any modifications you’ve made, reach out to us at Freedom Insurance Agency in Mesa, AZ. We’ll help you get your bike and its upgrades fully protected.

What Policies to Expect From Boat Insurance

 Do you own a watercraft in Mesa, AZ? Maybe consider getting boat insurance to pay for property damages or losses. Freedom Insurance Agency offers a variety of coverages, including boat insurance or watercraft insurance. Our team is interested in tailoring your insurance plan to meet your boating demands. 

What is Boat Insurance?

Boat insurance is a niche insurance that covers watercraft ownership. A watercraft is defined as a type of vessel that travels on water; this could count as a sailboat, a raft, a jet craft, or a yacht. Just like a car, your boat or watercraft is vulnerable to theft, vandalism, storm damage, at-sea breakdowns, or even sinkage. Aside from the steerage and engine system, some boats hold entire homes onboard; this could include bathrooms, kitchens, and appliance sets. If this is the case for you, then you’ll likely need to pay for major boat maintenance repairs. A decent insurance plan should be able to pay for most of these things.

Boat Insurance Policies to Expect 

At the Freedom Insurance Agency, you can expect the insurer to provide liability coverage; this covers legal disputes experienced at sea or at a boating dock. Boat insurance will pay for accidents and collisions experienced at sea. If your watercraft has experienced property damage, theft, or sinkage, you can expect the insurance to pay for financial losses.

Getting Boat Insurance in and around Mesa, AZ

Freedom Insurance Agency offers boat insurance and watercraft insurance. Call our agency to get in touch with an experienced agent today. From there, we can discuss insurance options that are tailored to meet your boating needs.  

How Umbrella Insurance Works

When you have some of the liability coverage that you need but could still use more to be well-protected, umbrella insurance may be the answer. It works with two of the insurance policies that you already have to boost them both. If you have auto and home insurance policies, you can use umbrella insurance to add a layer of protection to both of them. Umbrella insurance is a cost-effective way to get more coverage right where you need it. To get your umbrella policy, call us at Freedom Insurance Agency in Mesa, AZ.

More Liability Coverage

When you have an auto policy and a home policy, each of them comes with different kinds of coverage, including liability. Liability protects you against the cost of accidents that happen and their resulting medical bills. When there is an accident in your home, your home insurance has some liability coverage in it, though it may not be very much. The same can be true of your auto policy if you only have the bare minimum amount of liability coverage. A serious, expensive accident may cost more than the amount of coverage you have. When you get an umbrella policy, it adds more liability coverage to both of these policies. That gives you a much higher maximum payout after an accident so that you’re unlikely to be stuck with any overages. Getting umbrella coverage costs much less than it would to add to both of those policies directly. 

Paying for Accidents

After an accident has happened, the home or auto policy comes in first. They will pay for the medical bills and other expenses until they reach their maximum. After that, whatever is left over is paid for by your umbrella policy. 

Get Umbrella Liability Coverage

When you need umbrella insurance, call us today at Freedom Insurance Agency in Mesa, AZ. 

Uninsured and Underinsured Motorist Coverage – Why Do You Need Them?

If you live in the Mesa, AZ area, and you are looking for an experienced auto insurance agency, we invite you to come and talk to us at Freedom Insurance Agency. We’re a neighborhood agency, and we’ve been working with Arizona drivers since 1999 to provide the best online automobile insurance available at the best possible price. We’d love the opportunity to discuss auto policy options with you. 

Uninsured and Underinsured Motorist Coverage

One aspect of auto insurance that Arizona drivers sometimes ask about is the uninsured and underinsured motorist coverage. Arizona’s law requires every driver carry coverage for these types of drivers. To clarify: an uninsured driver is a driver with no auto insurance or whose insurance doesn’t currently include liability insurance. An underinsured driver has liability insurance, but the amount of their liability coverage isn’t enough to cover the injuries of you or your passengers. 

Although all Arizona drivers are required to carry liability insurance, not all drivers have liability insurance. You may be involved in a collision with a driver from another state or without current liability insurance. A recent estimate showed almost 13% of Arizona drivers are currently driving without insurance. If your car is hit by one of those cars, and the accident was the other driver’s fault, you need uninsured or underinsured coverage for your medical bills to be covered.

Schedule A Consultation Today!

At Freedom Insurance Agency, we’d love to have the opportunity to use our years of experience with auto insurance clients to help you understand the insurance laws. Buy your auto insurance from an agent here in Mesa, AZ. We can give you advice about these and other insurance questions. 

Why Flood Insurance Is So Important

Everyone should have flood insurance because of the unpredictable nature of flooding. Many people don’t get flood insurance because they have the wrong idea about where their flood protection should come from. However, if you own a home, you need to get this policy to protect the investment that you’ve made in your home and your belongings. When you need insurance in Mesa, AZ, call us at Freedom Insurance Agency.

Home and Flood Insurance

Many people don’t think about getting flood insurance because they assume their home insurance will pay for flood damage. However, home insurance doesn’t cover this type of disaster. If you have home insurance but no flood policy, you’ll have no coverage for the extreme damage that floods can cause. Flood insurance is backed by the government through the National Flood Insurance Program. This keeps funds available to policyholders who have damage from a flood so that you don’t have to worry about that. 

Flood Zones

There are many areas that are designated as flood zones. These are often rated with the amount of time that is average to have in between floods. This may be 25 years, 50 years, etc.  Often, these areas are beside bodies of water or prone to certain geological conditions. When a home is inside a flood zone, homeowners often seek out flood insurance. However, those areas are not the only ones that flood. Among flood claims, about one-fifth of them come from outside any flood zone. If you don’t go through the National Flood Insurance Program and get your flood policy, you could be surprised by a flood that causes excessive damage to what you own. 

Get Flood Insurance

If you don’t have a flood policy, it’s time to get started. Give us a call at Freedom Insurance Agency in Mesa, AZ.

Tips to improve the curb appeal of your home

Adding curb appeal to your home here in the Mesa, AZ area can be an easy and enjoyable way to make your home look more inviting and vibrant. Here are a few tips from us at Freedom Insurance Agency on how to improve the curb appeal of your home.

Tips to improve the curb appeal of your home

1. Improve Your Home’s Exterior:

Make sure your home’s exterior looks fresh and well-maintained. This includes giving the front of your house a new coat of paint, clearing away any debris, trimming trees or bushes that are overgrown, and replacing any broken windows or siding. 

2. Add Color to Your Landscaping:

Incorporate bright colors into your landscaping with some flowers, rocks, and other decorations. Not only is this cost-effective but it will also add some character to the front lawn or garden area of your property. 

3. Invest in Better Lighting:

Installing better lighting around the outside of your property will help create an attractive glow at night as well as provide improved security during the dark hours. Choose lights that match the overall style of your home for a cohesive look. 

4. Get Creative with Outdoor Decorations:

Place outdoor furniture pieces such as chairs, benches, swings, etc., around your property to give it more character as well as offer a place for people to relax and enjoy their time outdoors. Additionally, you can hang wreaths or flower boxes on windows for a classic look during different seasons of the year. 

Keep Your Home Insurance Updated

By following these simple tips, you can easily improve the curb appeal of your home in no time! For more tips, give us at Freedom Insurance Agency a call today. We are proud to serve the people of the Mesa, AZ area and would be glad to help.

Classic Car Insurance FAQs

When you have a classic car, you have unique insurance needs. At Freedom Insurance Agency in Mesa, AZ, we offer classic car coverage so you can protect your asset. 

Does My Car Qualify for Classic Car Insurance? 

Requirements for classic car insurance vary, but there are some standard requirements. 

Most vehicles must be at least 20 to 25 years old or older to qualify. If you have an exotic car or a valuable replica car, these will also qualify. Classic vehicles including military vehicles, hearses, and fire trucks also qualify. 

What are the Requirements for Classic Car Insurance?

In addition to meeting the above requirements, your vehicle must not be your "daily driver" or primary vehicle. If you drive your vehicle to car shows, exhibitions, and occasional recreational drives, you meet this requirement. 

You must also store the vehicle in a secure location. Generally, this means it’s stored in an enclosed and locked space, like a garage. 

What is Agreed Value?

Agreed value means that you and your insurer agree on a value for your vehicle before your policy begins. Standard insurance policies offer the actual value of your vehicle in the event of a loss. This takes factors like depreciation into consideration. 

An agreed value policy allows you to insure your vehicle for the amount you choose, which allows you to protect your investment. 

What Does Classic Car Insurance Cover? 

Classic car insurance covers many of the same events as standard auto insurance, including damage to your vehicle and liability coverage. Optional coverage may include roadside assistance, accessories, and the ability to keep your salvaged vehicle in the event of a total loss. 

Reach Out To Us

If you need classic car insurance in Mesa, AZ, contact us at Freedom Insurance Agency. Our agents will discuss your policy needs and help you select the best insurance for your situation.