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Finding affordable insurance in the state of Arizona may not be as difficult as you think as long as you are armed with a bit of insurance information. If you know how the insurance companies think, it will be easier to present your home in a way favorable to your insurer. Here are a few tips:

1. Check your credit: Did you know that insurance companies in Arizona have the right to check your credit and use that information in determining your insurance rate? According to insurance company statistics, credit rating is a good indication as to whether or not you will submit many and large claims. They have found that policyholders with poor credit tend to put in more claims than policyholders with good credit.

2. Seek discounts: If you are a member of a professional association, you may be entitled to insurance premium discounts. Some companies offer credits to senior citizens 55 and over. Ask your insurance company which credits you may qualify for.

3. Do not insure the land: (more...)

If you run a small business you know that if something happens to you and you cannot work, you are history. Temporary Disability Insurance for your small business is a must. Often you do not even have a choice. You must buy it and if you do not then chances are the bank will not give you a loan to start your small business, reject your business plan or decide not to give you the money you need to expand.

Indeed, banks have check box forms they fill out to CYA themselves and prevent loan defaults. Disability Insurance and Loss of Income Insurance is a box on those forms. Even still, if you do not borrow money from a bank and use personal savings, you could lose your entire business or savings if you are injured or hurt and cannot work.

What if you need major medical treatment and it drains your bank account and you are out of work for a month? What about six months? Can your business survive without you? Chances are that it couldn t, as much as we might wish to think otherwise.

It is f (more...)