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Lifetime Investments, LLC

5555 E. Evergreen Street
Mesa, AZ 85205

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I own a salon and have been told by other business owners I should get a BOP. Is that the best kind of salon insurance?

Most people don’t realize what all goes into running a salon in Mesa, AZ, and all the work and responsibility that goes on behind the scenes. At Lifetime Investments, we understand the unique challenges you face and want to work with you to help protect your investment.

Small Business Insurance

There are different kinds of policies for different kinds of risks. The most obvious kind is property insurance because you know you need to protect your workspace in case of a fire or theft.

There are many other kinds of commercial insurance policies, though, ranging from automobile to workers comp to professional liability. 

Why a Business Owners Policy  (BOP) is a Good Idea 

You don’t want to spend more than you have to, and a BOP can save money by combining some of the most basic kinds of protection. They usually start with property and liability insurance, so you are also protected if anyone is injured as a guest on your premises. 

If you use a vehicle for deliveries, you may need commercial auto insurance. Any valuable tools or equipment will probably need its own protection. If you employee technicians or cleaners, you might need to have a workers compensation policy. Errors and omissions insurance can protect you in the area of professional liability, and you can even get protection in case of business stoppage.

You want to make your clients feel like a million bucks without spending a million bucks yourself. Whether you own a beauty salon, a barbershop or a tanning salon,  Lifetime Investments can help you protect your small business in Mesa, AZ so you can do what you do best. Call today for a free quote.

3 Reasons You Need Home Insurance in Mesa, AZ

Home insurance protects your home in the event of unforeseen events. These events could include a number of things you never expected. At Lifetime Investments serving the Mesa, AZ area, we specialize in finding the right home insurance at the right price and protection for each client. To learn more about protecting your home with home insurance and why you need it, read on.

1. It’s the Law

If your home is under a mortgage, home insurance is required by law. This protects the asset for both you and the bank. In fact, you can’t get a mortgage without having home insurance. However, even if you don’t have a mortgage and own your home out right, it’s still a smart idea to have home insurance to avoid losing this expensive asset in the event something happens.

2. Protection

Some of the most common occurrences that home insurance covers includes any damage caused by certain weather, such as windstorms, hail, and lightning strikes. However, earthquakes and floods have their own separate policies. Theft and fire are two other events typically covered by home insurance. Other events can include cases of liability, such as a neighbor falling down the stairs and getting injured. When events like this happen, you’ll be glad you have home insurance.

3. Peace of Mind

Sleep each night knowing that your asset is protected with home insurance. If anything unforeseen were to happen, you will know that the insurance company will help. Simply submit a claim and the insurance company will work with you to make things right again.

To learn more about acquiring home insurance for your home in Mesa, AZ, contact Lifetime Investments. Our highly trained agents will answer all your questions and help you find the best policy for your needs. Call us today to protect this most precious asset. 

 

 

 

Does Auto Insurance Change As You Age?

Auto insurance is something that all people need and that you must have to drive on the road legally. That being said, the requirements and the overall coverage needs do change from time to time. So how does your auto insurance change as you age, it may be simpler to understand than you think. For those in the Mesa, AZ area, the agents with Lifetime Investments can help you determine how your coverage is going to change over the years.

The first big change comes when an insurer turns 25. After the age of 25, policy premiums do drop. This is because after the age of 25, barring any sort of traffic indiscretions, drivers are no longer considered to be part of the high-risk driving category. This means that you are going to be able to get better premiums without having to drop coverage.

Another milestone is getting married, buying a house, things like having kids, getting a degree, and so on. These are all factors that help solidify your place in the lower risk driver bracket. The lower the risk you are, the lower your premiums are going to be each month. You also get breaks on your premiums the longer you go without having any sort of traffic accidents or claims on your insurance.

Your age will continue to help lower the price of your premiums as well. The older you are, to a certain point of course, the lower your premiums are going to be. Generally, you will get breaks on premiums when you reach 35, 45, 55 and so on. This is going to help make your premiums lower so you can get better coverage than you might imagine.

For those that live in the Mesa, AZ area, the agents with Lifetime Investments can help you to determine what coverage you need and to determine what sort of incentives and breaks you can get in your premiums.  

Helping Your Teen With Texting and Driving

If you have a teen driver in your home, you understand the worry of teens texting and driving. Helping your teen understand the dangers of texting and driving may seem like a daunting task. Here are a few tips that can help.

Set a Good Example

The best way to help your teen understand the importance of not texting and driving is to be a good example yourself. If you are preaching to them not to text and drive, and yet you have your phone out constantly while driving yourself, then they are not going to take you seriously. Teens get a lot of bad attention for texting and driving, but the truth is adults are texting and driving too. Put down the phone and be a good example. 

Use Technology

There are lots of great apps available which will not only track your teen’s phone but can also show you whether or not your teen is texting while in the car.  Using technology like this can help you keep tabs on your teen’s texting habits. Although your teen may feel like this is an invasion of their privacy, you must explain to them that this is for their own good and then remain tough. 

Keep the Conversation Going

Make it a point to discuss texting and driving issues with your teen often. When there are stories in the news concerning teens that were hurt or killed as a result of texting and driving, be sure to bring this up. Make sure your teens realize this is a real issue. Parents are not just making these stories up. People really do get hurt and even killed because of texting and driving. 

If you want your teen to be safe and have a good driving experience, be sure to enforce strict texting and driving rules. If you would like to learn more about teens and driving contact Lifetime Investments serving Mesa, AZ. 

Are You Required to Carry Notary Insurance?

If you are beginning to work as a notary, one of the questions you may have is whether you are required to carry notary insurance, also referred to as Errors & Omissions Insurance. This is a question that we at Lifetime Investments, serving the greater Mesa, AZ area, are often asked. Here is the answer to this question. 

Are You Required to Carry Notary Insurance?

No. When you become a notary, you are required to put up what is known as a notary bond. If a mistake is made on one of the papers you are notarizing, the money to cover that mistake comes out of your notary bond. As such, you are not required to carry notary insurance, as the bond provides the legal minimum needed. 

Why Should You Carry Notary Insurance?

The main reason why you should consider carrying notary insurance is because it offers you more protection than a notary bond. A notary bond is the minimum amount of coverage that you are required to have. But if the damages done by your error cause more monetary damage than the bond covers, you can be sued and have to pay this amount out of your own pocket. Notary insurance helps to provide you with a greater level of coverage in the event of an error or omission, helping you to protect your personal finances.

While it is not required by law, there are many benefits to purchasing and carrying notary insurance. If you are looking to buy notary insurance in the greater Mesa, AZ area, let Lifetime Investments help you. Contact us today to learn more about these policies or to get a price quote for the right policy for you.