Home Automation and Energy Savings

Home automation through platforms like Google and Amazon Alexa pair well with devices like the Nest thermostat to allow you to control the amount of energy your home uses on a daily basis. While some of it is dictated by your family, much of the energy you use is consumed through the normal, day to day operation of your home. The staff of Lifetime Investments offers Mesa, AZ residents insights on how they can manage their energy usage with home automation platforms.

Automatic Temperature Adjustments

By using what is known as a "smart" thermostat, you can regulate the temperature inside your home by programming your home automation platform. This can reduce energy usage while you are away from home and set your furnace or A/C unit to turn on prior to your coming home. This ensures that your home is comfortable when you’re home without wasting energy to keep it comfortable while you’re not.

Maximize Your Home’s Energy Saving Potential

Using home automation maximizes your home’s energy-saving potential. Timers can be used to turn lights (indoor or outdoor) off and on as desired. Thermostats can be used to adjust the temperature inside your home according to your needs. There is no need to keep your home a cooler temperature if you aren’t going to be there. Home automation can also alert you when appliances may not be running at maximum efficiency.

Contact the staff of Lifetime Investments today if you live in Mesa, AZ and are interested in learning more about the benefits of home automation and how it can help you save energy throughout your home. Schedule a free consultation today!

Does My Car Insurance Cover Rental Cars?

When renting a motor vehicle for a Mesa, AZ family vacation, for business travel, or for a road trip with your friends, you will be asked by the rental company clerk if you want to purchase car insurance. Your first instinct may be to agree so that you don’t run into any potential insurance problems. But, do you really need that rental car insurance in order to be properly covered in the event of a collision or damage to the car? There is a good chance that your current Lifetime Investments auto insurance policy will keep you covered and will overlap with rental car insurance. Before you whip out that credit card to pay for rental car insurance coverage, here are some things to consider. 

Do You Have Liability Coverage? In most cases, your primary auto insurance coverage will also cover a rental vehicle. So, if you are involved in a collision while on the road in a rental car, it will pay up to the policy limits for damage that occurs to other vehicles or property. Because liability coverage is required by law in Mesa, AZ, you already have it on your car insurance policy. This will also pay for other driver’s injuries if you’re at fault in an accident. It also covers any damage you cause to other vehicles and property. As long as you are comfortable with your limits, you can skip on the rental car insurance. 

Do You Have Full Coverage? If you have comprehensive and collision coverage in your current auto insurance policy, your collision insurance will cover any damage caused by you while driving, such as hitting another car or other object. On the other hand, your comprehensive insurance will cover damages to the rental car when you are not driving, such as damage from theft, weather, or fire. 

Every insurance policy and insurance needs are unique, so it’s important to ask your insurance agent what your current automobile insurance will cover. For more information about when you should purchase supplemental insurance for a rental car, give us a call at Lifetime Investments today!