How Commercial Insurance Protects Your Business

Your business is undoubtedly very important to you. One of the best ways to protect it is through a commercial insurance policy you can rely on. When you work with Giles & Iten Insurance, your Surprise, AZ area company can have the level of protection you’re looking for so you can enjoy more peace of mind. You don’t have to settle for less than you want when it comes to the level of coverage your business really deserves. Our dedicated and trusted agents can help you with a policy that’s going to give you security so you can get back to operating your company.

Having a commercial policy protects your business by making sure you have protection if something should go wrong. That could be a natural or man-made disaster, as well as an issue with a customer or an employee. No matter what types of concerns your business faces, knowing you’re covered can really add to your level of comfort. But in order to have that information, you need to work with knowledgeable agents who can provide the insight you want and the policy you actually need. Then you can make coverage choices you feel good about.

Reach out to Giles & Iten Insurance today and let’s talk about your commercial insurance needs. If you have a business in the Surprise, AZ area, you’ll be able to get the type of policy you’re looking for and see what specific choices you have. Depending on the type and size of your business, you may need more or less coverage than you would typically expect. Either way, it’s important to work with a company that can provide you with answers to your questions and a policy you can rely on in the event that a problem should occur.

How often should I review my home insurance

Most types of insurance are not fixed at one amount. They are designed to be flexible and to grow and change as your needs grow and change. Home insurance is no exception. It needs to be reviewed. How often will depend on a few different things? When you feel the need to review your home insurance, Giles & Iten Insurance in Surprise, AZ will be there to help you. For insurance with a personal touch, we are exactly what you need. We strive to match our customers with the right policy at the best price. 

When you get your home insurance renewal it comes with a declaration page. Start your review there. Look at the amount of coverage. Does it make sense? Especially look at your liability coverage. Would it cover any potential legal action against you? Check out the deductible and all the other numbers. Before you renew your policy, discuss all the figures with your local independent insurance agent. Let them know if anything has changed since you took out the policy. 

If you have made a major upgrade to your property, the replacement value may have significantly increased. Things like a new kitchen, adding a bathroom, finishing the basement or attic, or adding an extension will all affect the replacement value of your home. 

Have you added any expensive content? Received an expensive piece of jewelry or art? Purchased antiques or oriental rugs? Any of these may exceed the content coverage you currently have. 

Have you added any safety equipment to your home? A home security system, smoke detectors, or carbon monoxide detectors? Have you replaced your roof? You may be eligible for a discount if you have done one or more of these things. 

When you are ready to review your home policy give Giles & Iten Insurance in Surprise, AZ a call. We will be happy to look things over for you. 

Auto insurance add ons that are worth considering

Most states require all automobiles driving in their state to be covered by at least basic liability insurance. Arizona has the same requirement with the minimum to comply being 25/50/15. This protects other drivers and vehicles in an auto accident. All other coverage is optional unless you have a lease or a loan and then you may be required to carry collision and comprehensive. At Giles & Iten Insurance in Surprise, AZ, we have years of insurance experience and we look forward to helping you with all your insurance needs. 

Collision coverage protects your car when you have an accident where you’re at fault. If you count on your car for regular daily activities this is important coverage to add to your basic policy. 

Comprehensive coverage protects your vehicle from hazards beyond your control like a hail storm, flood, lightning, theft, fire, and vandalism. It is handy to have if you happen to run into a deer or other large animal. 

Full glass coverage is something most vehicle owners can benefit from. It covers the replacement of your windshield as well as other glass on your vehicle with no deductible. It is great when you have a damaged windshield to be able to call and get it repaired usually very quickly and even in your own driveway. 

Roadside assistance and towing are two add-ons usually sold together. If you have a breakdown or an accident you could be stuck on the roadside with no way to get to a service station or auto dealership. You may belong to an auto club and this provides the same service but usually at a lower rate. No one turns down savings. 

Contact Giles & Iten Insurance in Surprise, AZ with any questions you have about auto insurance. We are a full-service independent agency. 

Do all businesses benefit from commercial insurance?

In the Surprise, AZ area, people continue to benefit from a strong local economy. A growing population base and a good economy also make this a great place to start a business. If you are in the market for a new business here, it would be a good idea for you to also think about your insurance needs. There are several reasons why businesses here can benefit from getting a commercial insurance policy.

Coverage Will Protect Assets and Investment

One way that a business will benefit from having commercial insurance is by getting coverage for their investment. When you start a business of any kind, you will have to invest to get it moving in the right direction. Losing these assets could be financially devastating. When you get a full commercial insurance policy, it can ensure that you have the insurance protection needed to replace your business assets if you incur a loss.

Liability Protection

Being sued for liability is a risk for all businesses. Not only are you at risk of losing money, but the cost of fighting a claim can be significant. Fortunately, you can mitigate all of these risks by getting appropriate insurance. With a liability commercial insurance policy, you can get direct protection against your liability risk. 

When you are shopping for commercial insurance in the Surprise, AZ area, you may find that choosing a policy is complicated. There could seem to be many different options and choosing the right policy for your organization is complicated. When you are looking for your next policy, it would be a good idea to call Giles & Iten Insurance. If you do call the team at Giles & Iten Insurance you will get personalized support that can help you understand your needs and options and pick a new policy.

3 Tips for Securing Your Home Before You Travel

Do you plan on traveling soon? Are you worried about leaving your home unattended in Surprise, AZ? We understand. It can be stressful to go on vacation or out of town for business with your home left behind unoccupied. However, there are few things you can do to reduce the stress of leaving behind a vacant home. Read on to learn about three tips brought to you by Giles & Iten Insurance.

1. Install Outdoor Security Lighting

Did you know that burglars will pass on your home if the outside is flooded with light? That’s right. They’d rather break into a dark home so people won’t notice them. To deter would-be-burglars, shop around for some security lighting for the back, front, and side yards. You can opt to have the lights on a touch timer or opt to keep them on at all times when it’s dark. Either way, outdoor lights will scare thieves away.

2. Get a House Sitter

Before you leave on vacation, get a professional house sitter. The cost is affordable and well worth it. You search online for house sitters near you or ask around with friends and family. There’s bound to be someone who would love to watch your home while you’re away.

3. Alert Your Neighbors

It’s a good idea to alert your neighbors that you’ll be out of town. This way, they’ll be more apt to notice if something seems wrong. A neighbor or house sitter will be able to keep an eye on your property, collect your mail, and make sure you have a stress free vacation.

Even when applying the tips listed above, a break-in or other crisis could occur. For this reason, it’s important to have a home insurance policy in Surprise, AZ. To learn more about obtaining this and other policies, contact the friendly team at Giles & Iten Insurance. 

Do I need travel insurance and how much should I buy?

Travelling comes with a lot of planning and expenses. From airfare to hotels and rental cars, it is easy to forget some essential things like travel insurance. Imagine you or a member of your family get seriously injured in an unknown area around Surprise, AZ. It is obvious that emergency medical treatment could be more expensive as it varies from one place to another. That is why at Giles & Iten Insurance, we recommend buying travel insurance to extend a layer of protection wherever you go.

When should I buy travel insurance?

Travel insurance is not mandatory in Utah. However, that doesn’t mean you don’t need one. Expensive and lengthy trips may require you to purchase insurance, especially when it comes to non-refundable services and products. That means small distance travels like visiting your grandmother up the hill does not need insurance. Travel insurance is pretty flexible and easy to navigate. The comprehensive package even comes with ‘ cancel for any reason’ coverage. This helps you safeguard your finances in case you want to cancel your trip.

What type of travel insurance can you buy?

Travel insurance is a versatile policy that comes with a wide range of policies to choose from. However, it is always prudent to know your needs before picking any type of travel insurance. You will want to consider factors such as:

  • Where you’re going
  • The kind of trip you will be taking
  • The duration of the trip
  • Your age and medical condition
  • The sort of activities you will take part in your trip 
  • The people going with you

Whether it is a straightforward trip or a tour that is full of unknowns, there will always be a policy designed to fit your needs. If you have a medical condition or are pregnant, be sure to check whether your condition is covered before you buy it. You may need to buy a separate policy to cater to these needs.

For more information about travel insurance in Surprise, AZ, talk to our insurance experts at Giles & Iten Insurance today.

Exploring The Benefits Of Mexican Insurance

Based in Surprise, AZ, Giles & Iten insurance offers the community multiple types of insurance policies. We understand that each of our clients has a unique situation and different circumstances. That’s why we work hard to ensure that our clients find coverage that directly suits their needs.

Mexican Insurance

It’s a very short drive from Arizona to Mexico. As you head South of the border, it is important that you have coverage. Mexican insurance protects you as you travel into the country. Some of the traffic laws in Mexico are different compared to the United States. Your vehicle will be protected in the event that it is vandalized or stolen.

Make sure that you research different liability coverage options before heading to Mexico. In the event that you are involved in an accident while you are in Mexico, it is imperative that you have coverage to protect you. Keep in mind that the driving laws in Mexico are different compared to the United States, as Mexico uses the Napoleonic code instead of English Common Law.

The length of your stay is also an important variable to consider. If you are planning a lengthy stay in Mexico, make sure that your policy protects you. In most cases, you may only have coverage for a specific number of days while you are staying in Mexico. Check your policy to see if there any mileage restrictions as well. In some cases, your policy may outline a specific number of miles that you can travel while you are in Mexico. You can amend your policy based on the type of vehicle that you are driving.

Consult With Giles & Iten Insurance 

If you are in the process of planning a trip from Surprise, AZ to Mexico, please visit our website to learn more information about Mexican Insurance.

An Overview To Help Arizona Residents Find Classic Car Insurance

Based in Surprise, AZ, Giles & Iten Insurance assists the community through helping them find the insurance coverage that they need. We recognize that every single client is different, that’s why we take the time to consult with all of our clients so that they can find the right policy.

Classic Car Insurance

Classic cars are valuable possessions. Due to their unique stature, they require different coverage from traditional vehicles. Classic cars are often recognized as vehicles with significant historical interest. They are often more than 20 years old. Classic cars spend the majority of their time in storage. Owners only show them off at special car events, conventions, and parades. As such, classic cars are only used on a limited basis. That is an important thing to consider as you research different policies. Driving a classic car on a regular basis causes the value to depreciate, which impacts your policy. The car must also undergo a periodic inspection to make sure that it is still in good condition. Make sure that you keep your vehicle stored in a secure area.  

Liability, comprehensive, and collision coverage is still available as if you had a traditional auto insurance policy. The important thing is to make sure that you do not drive the car over the specified mileage limit. The mileage limit is to ensure that the vehicle is only used on special occasions.

If your classic car needs assistance, be sure to find a place that understands that classic cars require different maintenance from other cars. Try to find a repair shop that specializes in treating classic cars.

Giles & Iten Insurance Will Guide You Through The Process

Stop by our office in Surprise, AZ and we will work with you to find the right coverage for your prized possession.

When does someone in Arizona need RV insurance?

Those that are in the Surprise, AZ area will enjoy having access to all of the great recreational options in the southwest United States. To enjoy all of these options, you should consider getting an RV. When you have an RV, it is beneficial to work with an experienced agent to find coverage.

When Taking Out a Loan

One situation when you are going to need to get an RV insurance policy is when you intend to take out a loan. Buying an RV is a big purchase, and most purchasers will take out financing to acquire it. This can be a great way to afford an RV, but there are rules and regulations in the loan agreement that you need to follow. Most of the time, your lender will require that you get a full collision and comprehensive insurance policy. 

When Using a Public Roadway

Another situation when you may need to get an RV insurance policy is when you intend to use a public roadway. People in Arizona that want to operate any type of vehicle are going to be obligated by law to carry liability insurance. This includes those that drive an RV. If you are going to use it in Arizona, you will need to have at least the minimum amount of liability coverage for both property damage and bodily injury.

Choosing an RV insurance policy is always a big decision, and not one that should be taken lightly. If you are going to purchase an RV, you should speak with the team at Giles & Iten Insurance to discuss your insurance needs. The team at Giles & Iten Insurance can help people all over the Surprise, AZ area picks insurance policies that are right for their situation. 

Arizona Umbrella Insurance Coverage

The last thing you want to have happened in the aftermath of an accident, natural disaster, or injury is finding out that that damage is “not covered” under your existing insurance plan.  In other words, for residents of Surprise, AZ, getting a surprise when it comes to your insurance coverage is a revelation that you could probably do without.  The reality is, however, some items that you might want to insure would be better covered under an umbrella policy, and the knowledgeable, licensed agents at Giles & Iten Insurance are available to find reliable insurance coverage for your unique situation.

Umbrella Insurance for Arizona

As the name might suggest, umbrella coverage is designed to provide overarching insurance protection to protect you and your property against the unexpected raindrops that life can sometimes throw our way.  Any accident leaves a trail of damage in its wake, and not all life insurance policies are written or equipped to cover the entire damage amount or include accidental mishaps, including things like landlord liability, bodily injury, or extensive property damage for instance.

Lacking an umbrella policy to cover these unexpected liabilities can place your family in financial peril in the blink of an eye.  Sitting down and speaking with a licensed agent from Giles & Iten Insurance, serving the Surprise, AZ community, is the beginning of a better understanding of the protection you have and the areas where you are still vulnerable.

An umbrella insurance policy might just be what you need to ensure that all of your assets are fully protected.

Contact Our Team at Giles & Iten Insurance

For Surprise, AZ residents looking for an honest appraisal and recommendation regarding their current insurance needs, our agents at Giles & Iten Insurance are standing by with the information you need to decide whether or not an umbrella insurance plan will provide you the protection you need to protect against financial calamity should the worst occur.