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! 

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.