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Lifetime Investments, LLC

5555 E. Evergreen Street
Mesa, AZ 85205

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Does Car Insurance Cover Vandalism?

When we buy car insurance, we know that we’re going to be covered on all the basics. If your car is stolen or you’re in an accident, you have protection. But what about vandalism? If someone spraypaints your car or a baseball goes through the window, but doesn’t actually steal anything, are you protected?

Short answer: Yes. Vandalism will be covered under comprehensive on any legitimate Mesa, AZ insurance plan.

But, it might not always be advisable to go through insurance to cover damages incurred through vandalism. In instances of minor vandalism, you may find that your comprehensive deductible is actually higher than what it would cost you to cover the damages yourself. Acrylic paint may be easy enough to buff out and paint over, and a cracked window may wind up being a cheap, quick repair.

Ultimately, insurance is there to cover the expenses that we cannot easily cover ourselves. It brings peace of mind to know that if your car is stolen, you won’t have to cash in your life savings to replace it on your own dime. But we don’t usually file a claim over a flat tire or a broken mirror because it’s easy enough to handle those damages on our own. The same goes for vandalism. Certainly, if the vandalism has resulted in significant damages, you’ll want to file a claim, but many drivers choose not to when the damages are simple. All the same, it’s good to know that the extra protection is there if you need it.

If you’re looking to get covered, get in touch with Lifetime Investments. We’ll help you to find a plan that works for you.

Are Notaries Required to Carry Notary Insurance?

If you are looking for a job that allows you to be your own boss and set your own hours, you may be looking to work as a notary. Prior to beginning your work as a notary, you may be looking to obtain notary insurance. Here at Lifetime Investments, serving Mesa, AZ., we can help you obtain the insurance you need for your new business venture. Here is some information you should know about notary insurance. 

Notary Bond Insurance

By law, a notary is required to place a bond with the city they are operating within. This bond also referred to as a notary surety bond, helps to cover financial losses to the public as the result of improper action taken by the notary. In the state of Arizona, a notary is required to place a bond of $5,000. If you do not have $5,000 to put up, you can purchase a notary bond insurance plan. The insurance plan will place the bond for you for a small fee, so you don’t have to pay out-of-pocket. 

Notary Errors and Omissions Insurance

The other type of insurance that is available to notaries is errors and omission insurance. This type of insurance protects you against lawsuits in the event you or a client omitted information or an error occurred. This is different than notary bond insurance, which protects the public. Notary errors and omissions insurance protects you. While it is not required in order to do business as a notary in the state of Arizona, it is wise to purchase this insurance product to protect yourself financially. 

Are you ready to purchase the notary insurance you need for your notary business? Contact Lifetime Investments, serving Mesa, AZ. to get answers to any additional questions you may have or to get a quote for notary insurance today. 

Different Kinds Of Commercial Insurance

When it comes to protecting your Mesa, AZ place of business there is no shortage to commercial insurance options. Of course, not every insurance policy is right for you. It really depends on what kind of business you run, your employees, and what service you make or offer. Whatever business you own though just know that Lifetime Investments can help you find the right insurance for your place of work. 

Business Auto Insurance

Do you (or employees) drive a vehicle for work? If so, your regular auto insurance likely does not protect you here. Due to this, you’ll want to opt into business auto insurance. 

Property Insurance

This kind of insurance is not just for if you own the property your business is located in. Even if you rent, you’ll want to consider property insurance as it protects valuables inside your company. From pizza ovens to large manufacturing hardware, if one of these items is damaged it might bring down your entire operation. With property insurance, you’ll have the financial protection for the equipment. 

Worker’s Compensation Insurance

If an employee is injured at work while performing work-related actions you are responsible for their medical bills and lost wages. Worker’s compensation will cover these expenses. It’s far less expensive to deal with worker’s comp than a potential lawsuit. 

Business Liability Insurance

If someone is injured at your place of business (or when using something your company makes), they may attempt to sue you. Business liability insurance helps cover the cost of an attorney. 

With so many kinds of commercial insurance policies out there, it is important to know what kind your business should take advantage of. If you own a company located in or around Mesa, AZ you should give Lifetime Investments a call. The team will help you pinpoint the right protection for your company. 

Why is salon insurance important in Mesa, AZ

Salon insurance is a specific type of coverage that will benefit business owners.  For those who are serious about running a salon and staying in business, this can be one of the best Lifetime Investments to make. 

Why is salon insurance necessary? 

Unfortunately, salon employees do sometimes make mistakes or the business will have to endure some kind unforeseen problems. These issues can cost thousands of dollars, especially if a client requires medical treatment after a botched procedure. LAwsuits and legal fees quickly add up, and they can even bankrupt smaller salons. Most salons are also considered small businesses, which means that something like a robbery or damage from severe weather can but the entire business in jeopardy, as salons rarely hold large cash reserves. The three main categories covered by salon insurance include liability for accidents, coverage for claims from employees for workers compensation and other incidents, and property coverage that protects the physical space from various kinds of damage. 

How does salon insurance work? 

Owners can discuss their needs with a local insurance agent from Lifetime Investments to get information about things like policy costs, deductibles, and a rundown of any accidents that would be covered. Like most other kinds of insurance, salon owners will pay their premiums at a certain time interval, and they can make claims as losses or damages happen. 

Get more information today

Anyone who is interested in Salon Insurance in the Mesa, AZ area can contact Lifetime Investments to speak with an agent about the specifics of their business. They will provide helpful information that can be used when setting up your policy. 

Renting Out Your Home On AirBnB? Here’s What Mesa Residents Need To Know

Thinking about using a short term home rental service such as AirBnB or VRBO to rent out your Mesa, AZ home? There are a few things you may want to consider before you take the leap. At Lifetime Investments, we’re committed to making sure our home insurance policyholders are informed about issues that could affect their residence. Think about the following before you decide to list your home as a Southwestern oasis for vacationers. 

– Arizona law requires you to get a license and collect a lodging tax. Failure to do so could result in hefty fines. You may want to build this tax into the overall fee for renting your home.

– Do you live in a neighborhood with an HOA? Check the bylaws on whether short term rentals are permitted. 

– It’s a good idea to talk with your neighbors to make sure they’re comfortable with the idea of a short term rental operating next door. One angry neighbor can ruin the rental experience for customers, destroying your rating. 

– Estimate your costs. After each stay, you’ll want to have the rental area professionally cleaned. You’ll have the option of factoring this cost into the total cost of the rental. 

Of course, it’s important to have a solid homeowners insurance policy in place if you plan on renting out your home to others. At Lifetime Investments, serving Mesa, AZ, we’re familiar with the logistics of short term rentals and can help create a policy that makes sense for your needs. Give us a call today to talk with an agent about a policy that suits your home.