Tips For Keeping Your Car Clean

Sometimes, you car needs more than a quick run through the car wash or a spray down with water and some soap. When the times comes for you to really deep clean some areas of your car, you may be thinking that it will take you a long time to complete it. However, there are some really great tips that you can utilize and make sure that your car is in the best condition possible. Use these tips to really get your car clean without having to overexert yourself.

  • Clean your headlights. Over time, your headlights can become oxidized which leaves them looking cloudy and yellow. There is no need to purchase new plastic covers. You can remove the oxidation with a little toothpaste and some elbow grease. It is as easy as putting the toothpaste on a rag and wiping down the plastic cover. Go over it a few times and rinse. You will love the way it cleans the headlights and how much better you can see at night on the roads. 
  • Clean your dashboard. When your vinyl dashboard starts getting dusty, there is an easy way to clean it up and make it look fantastic. All you have to do it get a damp wash cloth and run it across the dashboard. Just make sure you go over it again with a dry wash cloth to remove any excess moisture from the cleaning. To clean it even better, just add some mild dish soap and wipe the grime away.

Even if your car is clean, without the right insurance policy, it isn’t protected. Contact us at Lifetime investments serving Mesa, Arizona, today to explore your options and to make sure that you have the minimum coverage required by the state. 

All About Insuring Pop-up Campers and Motorhomes

All About Insuring Pop-up Campers and MotorhomesAuto insurance considerations don’t happen just once a year… you may have noticed summer is about upon us and you are probably planning some Arizona sunshine-filled adventures! Have you stopped to think about how insurance might be relevant to the tents, towable pop-up campers, or luxurious motorized vehicles that may be part and parcel with your plans? You’re ready to take in some fun, I know, but are you properly insured? The following include factors you might want to visit with me about before wandering into the great outdoors… all those beautiful Arizona vistas:

Tents or gear:

For example, did you know your car is covered under your auto insurance policy, but the policy typically doesn’t provide coverage for personal belongings? If your tent and/or camping gear is damaged in an accident, fire or storm, auto insurance won’t cover your losses. That said, we might want to make sure your summer essentials can be covered under your renters or homeowners insurance.

Motorhomes:

Were you aware motorhomes need to have the same minimum liability coverage required for any vehicle? It is not uncommon that risk of serious injury is greater due to a motorhome’s size. It is highly recommended you carry liability limits higher than Arizona’s state minimums. For physical damage to the motorhome, we’ll need to review your policy to make sure comprehensive and collision coverage applies to your motorhome, just like any of your other vehicles. Unlike standard auto policies, we want to place you with an insurer who will provide contents coverage on motorhome policies.

Towable pop-up campers:

What about a towable, you ask? The standard is that whenever you pull something with your vehicle, the vehicle’s liability coverage extends to the item you’re pulling. Since the risk of injury to others or property damage is higher if you’re pulling a camper, opt for the highest liability limits available.

* Note that this coverage is for liability only. Physical damage coverage isn’t extended from your vehicle’s policy to whatever you’re pulling. To cover damage to your pull-behind, we will need to make sure you add specific comprehensive and collision coverage.

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com

Discover the History of Insurance

Discover the history of insuranceAs an Insurance agent serving Arizona Communities, I have long been fascinated by just how long my industry has thrived!  We all too often think of it as a “modern convenience; ” however, today I discovered a great overview of the history of insurance today, and it is one of those where I find it best to copy/paste and give full attribution to:

LOP Solutions, LLC.
Reno, Nevada 89509

Ever wonder where insurance came from? It seems it’s always been around. The roots can be traced back to Babylonian times, around 2100 B.C. The Code of Hammurabi was the first insurance policy. It was paid by the traders in the form of a loan to guard against the perils of transportation (robbery, bad weather and breakdowns) and guarantee the safe arrival of their goods by caravan.

As history progressed insurance expanded beyond transportation. The Romans were the first to buy insurance to cover funeral costs. The very first actual insurance contract was signed in Genoa in 1347. Prior to the formation of corporations devoted solely to the business of writing insurance, policies were signed by a number of individuals, each of whom wrote his name and the amount of risk he was assuming underneath the insurance proposal, hence the term underwriter.

Then in London, in 1688, the first insurance company was formed. It got its start at Lloyd’s Coffee House, a place where merchants, ship-owners, and underwriters met to do business. Lloyd’s grew into the first modern insurance company, Lloyd’s of London.

As trade grew – so did insurance companies. In the 17th and 18th centuries, British commerce was rapidly growing the risks increased. Businessmen began increasingly purchasing insurance to protect them from unforeseen losses. Next thing you know farmers wanted crop insurance. People wanted deposit insurance at their banks. Travelers wanted trip insurance.

I hope you enjoyed this s much as I did. We both agree that insurance is certainly more the norm today, but you may still have questions about how much, or what you need. Let’s have that conversation!   eMail me  or post your questions here.

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com

Don’t Let Bennie Cost You Your Homeowners Policy

Don’t Let Bennie Cost You Your Homeowners PolicyHomeowner’s Insurance… have you taken time to make sure your policy includes a little something to protect your from Bennie’s changeable temperament? Did you know, dog bite claims have reached record levels, costing the U.S. insurance industry $479 million in 2011, and the numbers keep rising. Sadly, the majority of bites will be from the family dog or one belonging to a friend or neighbor.

Therefore, you should not be surprise that insurance carriers are cautious when they see a homeowner securing a policy that includes a dog. Increasingly many insurance companies refuse to insure homeowners who own certain breeds, including Rottweilers, Pit Bulls, Chow Chows, German Shepherds and Dobermans.

Dog lovers actually lobby on behalf of these breeds, but insurance underwriters may still refuse to write homeowner’s policies for owners whose pets are “blacklisted”. So, what’s are you to do? You love Bennie…

There is a solution that may help your insurance carrier provide you with homeowner’s coverage, pooch and all. The American Kennel Club sponsors a “Canine Good Citizen” designation, and local trainers throughout the U.S. offer classes to train your dog for the designation. The Canine Good Citizen dog must pass 10 temperament tests: He or she should allow a stranger to approach; demonstrate a lack of aggression to other dogs (very important since many people get bitten when their dogs tangle with others); and feel confident in a crowd.

For dogs who are already trained, evaluators are available throughout the U.S. to certify Bennie as a good citizen. Some carriers don’t accept the designation, although a bite-free history may help, but generally having a Canine Good Citizen may assist you in obtaining or keeping your homeowner’s insurance.

Let’s talk if you need a little more guidance on this topic. If you love your dog (and who doesn’t?), the cost associated with training and evaluation is a small price to pay.

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com

Ensure Your Special Items Receive Special Coverage

A locked gate bars passers-by from admittance to a private residence in the Copper Square area of downtown Phoenix AZ. 2007-06-17.

Specialty insurance is probably not the first thing on your mind when you start shopping for homeowner’s insurance, but it is an important consideration. You have wrapped your home in a gated entry, and feel that your homeowners insurance has you “covered!” However, did you know you can increase the amount of coverage for personal property – your personal belongings inside the home? You may be surprised that many policies include limits on certain items, most of which are higher-end purchases you may have made through the year, such as cameras, electronic equipment, guns, and jewelry.

Let’s say you decide a policy with $50,000 in personal property coverage should be sufficient, you owe it to yourself to check into any limits your insurer will pay to replace or repair them. Thinking you “have it all covered,” you may not read through the policy and see something like: “$500 limit on guns” or “$1,000 limit on computers.” What will be your response when you experience a loss and file a claim only to find your $50,000 in personal property coverage will only cover up to the policy’s limits on certain listed items?

It is time to find peace of mind…

Talk to me… make sure that you not only feel comfortable with the policy you’re buying, but that you fully understand any possible limitations. We will discuss additional riders that are available and you can describe or show any special items you own, such as collectibles, jewelry, or artwork. With my experience with multi-carriers, I will know which carrier offers a rider, that can easily be added so you can obtain sufficient coverage, or at the very least, schedule the items at a stated value or appraisal cost. We can make a knowledgeable decision whether some of your special items will require additional coverage; rather like a spin-off from a homeowners policy – that will provide coverage for just those specialty items you choose.

Be aware that you’ll have to provide appraisals to ensure adequate coverage, and that you should always have your special items appraised regularly to maintain adequate coverage in the event the items increase in value.

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com