Are there businesses that don’t require commercial insurance in Tucson?

Do you need commercial insurance in Tucson, AZ? That depends on a few factors. It comes down to industry and scale. In other words: What do you do for a living, and how much are you making doing it?

There are a lot of businesses that, for more people in that line of work than not, will never really require any commercial insurance, for instance:

  • Consulting
  • Many forms of freelancing such as web design and programming
  • Small side businesses like selling art on Etsy

It comes down to this: Does your business have a physical location that is not covered by some other form of insurance, like a homeowner’s policy? And do you have enough in business assets to be worth covering?

A commercial policy is primarily for covering the physical assets of your business. There are other forms of insurance that can help you to protect, for insurance, intellectual property, or to protect the time and money you’ve put into software development should your code be compromised. Commercial insurance is there to make sure that if you suffer a fire or theft or other damages at your Tucson, AZ business, then you will have a safety net there to catch you and help you to recover.

If you are ready for a commercial policy, Castillo & Associates Insurance may help to connect you to a commercial policy that will cost you far less than you might expect. So if you’re ready to take the step, if your business has expanded to the point that it needs commercial insurance coverage, don’t hesitate, give Castillo & Associates Insurance a call.

Finding the Best Auto Insurance in Arizona

For individuals living in Arizona, auto insurance is mandatory before you are legally able to drive your vehicle on the open road. Castillo & Associates Insurance serves Tucson, AZ and is capable of providing you with the proper insurance prior to driving, ensuring you are legal in all areas and your vehicle is properly registered within the system. Getting the right auto insurance depends on your current financial situation and ability to afford full-coverage insurance or PLPD to simply protect you from potential accident lawsuits. 

In Arizona, obtaining auto insurance is required immediately after registering a vehicle and providing proof of financial stability. Even if you have an out-of-state vehicle registered, it is still necessary to obtain proper insurance within the state of Arizona itself before you can operate a motorized vehicle. The minimum requirements for auto insurance in Arizona is $15,000 per person who is driving along with $30,000 coverage for potential bodily injury that occurs after an accident has taken place. Additionally, $10,000 of property damage insurance is also required within the coverage you select for your vehicle in the case of an accident. We offer a range of services involving auto insurance ranging from comprehensive coverage and collision coverage to uninsured motorist insurance. If you are in need of PIP (Personal Injury Protection) or medical payment details regarding your auto insurance, we are here to help. Whenever you are planning to operate a vehicle in Arizona, it is imperative to ensure you are properly covered to avoid potential tickets and devastating financial repercussions. 

For more information and details on getting a quote for the auto insurance you need, get in touch with Castillo & Associates Insurance today.

Can Upgrading Home Security Reduce Home Insurance Costs?

Home security systems increase the safety and protection of your home, family and valuables. By installing a security system in your home, you may qualify for a home insurance discount. Many insurers consider home security systems a valuable asset in protecting residential properties. As such, they’re willing to offer home insurance discounts to homeowners who add security systems to their property.

If you’re looking for ways to cut home insurance costs, talk to a Castillo & Associates Insurance agent in Tucson, AZ to see how increasing home security can help reduce your premium. Here are some of the benefits home security systems have to offer:

Home security systems comprised of security cameras, motion sensors, timed lighting and alarms are a great deterrent to theft, home intrusion and vandalism. A thief will think twice before approaching a house with motion sensors and security cameras. A quality security system can substantially reduce the risk of theft and home intrusion to effectively safeguard your home, family and valuables.

A home security alarm system can detect such dangers as home flooding, fire and carbon monoxide poisoning to protect you and your family from harm. A monitored alarm system goes one step further by alerting authorities of these dangers and dispatching help in response. Early warning of emergency situations such as a fire or the presence of carbon monoxide can save your life.

Home security systems make it possible for you to monitor your home remotely so you can keep tabs on what’s happening at home during business or vacation travels. This extra precaution can eliminate fears of home invasion during your absence.

To learn more about home upgrades and security measures that can help lower your home insurance costs, contact Castillo & Associates, Tucson, AZ.

Can You Authorize Other Drivers to Make Changes to Your Auto Policy?

To be honest sometimes it is difficult to make time to change your auto policy yourself. In some cases, it is necessary to authorize other drivers on the policy to make policy changes so that your family policy can be perfect for your needs. For those that are in or around the Tucson, AZ area, the agents with Castillo & Associates Insurance can help you make your policy customized so that all users are insured.

If you find that you simply do not have the time to change your auto policy or that you are not sure what needs to be changed, you can in fact authorize other users on the policy to make changes. The process is simpler than you might imagine. If you are using an online site and making changes yourself, in most cases the site will have a space where you can designate people to make changes or where you can set a password or other security measure that the person seeking to change the account must know.

This is just one way to authorize a user. If you are going through an agency to help you manage your policy you can do the same thing. In many cases, if you are using an agency they will ask you to list those users that can change the policy. In most cases, they will also come up with a security phrase, password, or other piece of information that the person seeking to change the account must possess in order to do so. This makes things easier for everyone involved as the main policy holder sets the security measures and only share the information with people they trust.

For those that are living in or around the Tucson, AZ area, the agents with Castillo & Associates Insurance can help you to alter your account accordingly.

Routine Home Maintenance Lowers Your risk for Filing Insurance Claim

Your homeowner’s insurance is there to help you when disaster strikes, but you shouldn’t use it is a safety net because you’ve failed to do routine maintenance around the house. If you file too many frivolous or avoidable claims, you may end up having to pay more for your insurance coverage. If you’re a repeat offender, you may even find it difficult to find coverage at all.

For this reason, you should always perform routine maintenance to lower your risk for filing an insurance claim. Following are a few scenarios where support would help you avoid a claim.

Snakebite Claim

When the weather’s warm, snakebites are a very real possibility in Tucson, AZ. It’s estimated that there are about 8,000 incidents of venomous snakebites each year in the U.S. To prevent a bite on your property, make sure it’s maintained well. Seal up all holes and repair any broken siding to keep snakes from nesting around your house. Also, clear away any brush or other structures that snakes can use for shelter.

Tree Damage Claim

Falling trees cause quite a bit of damage, but you can also get just as much damage from a falling limb. To avoid filing a claim for tree damage, have your trees professionally trimmed and ask that all dead limbs be removed. If there is a problem with the structural integrity of the tree or if it is damaged or diseased, have the tree removed completely.

Water Damage Claim

Misplaced or damaged roof tiles do not keep rain and inclement weather out. If you don’t inspect and maintain your roof regularly, you will soon find yourself in your house trying to catch water with buckets. Water can do an insane amount of damage when it gets inside your home. The best course of action is to keep it out with routine maintenance.

If you have any questions about your homeowners’ insurance coverage or about how maintenance can prevent a claim, call Castillo & Associates Insurance today.

How to Calculate the Replacement Value of Your Home

The agents at Castillo & Associates Insurance in Tucson, AZ highly recommend that you use a replacement valuation for the coverage level of your home insurance. The reasons are obvious. If your home had a certain value in the past years, the value of the home may be about the same, but it may be more now. However, if you need to rebuild a home in the case of a major disaster that destroys everything, you will need to pay the current market prices for the reconstruction of the home.  

Every year it is a good idea to re-calculate the replacement value of your home to make sure you have adequate insurance coverage.

Here are the steps to take to get a new replacement valuation for your home:

  1. First of all, the most important step is to find out the square footage of the home and know how big each room is and what type of use the room has. You can start with any architectural or construction blueprints to give you a rough idea. Then you adjust for new spaces that have been created since the first plans were made. If these are not available then you need to measure each room, add some extra dimensions to allow for the outside walls and then you have a rough calculation for each room to work with.
  2.  After you have a rough plan design for your home that includes the actual measurements of the square footage you need to apply;y the current construction cost per square foot for new construction in your area.
  3. One way to find out how the averages are currently is to look at homes that are "comps," which are homes for sale in nearby areas and use the calculations they use for square footage. Then add a bit more because new construction is always higher than older construction.
  4. Be sure to add the cost of any special elements in the home to the reconstruction price. For example, if you have a handmade bookcase or a hand-carved marble fireplace mantle be sure to add the additional of these special items.
  5. Check with your agent at Castillo & Associates Insurance in Tucson, AZ for any questions about your home insurance, to get help with any replacement cost valuations and to make sure you have adequate coverage.

Castillo & Associates Insurance

Whether you are purchasing your first home in sunny Tucson, AZ or you are downsizing after your kids have grown up and moved out, it is vital that you make sure that your home is safe and protected against the unknown every step of the way. Your home is more than a place for shelter. It is the hub of your world where you raise your family, work, and create your life. This is why have peace of mind in your home in the form of home owners insurance is incredibly important.

Here at Castillo & Associates Insurance, our agents will walk you through the process of purchasing or switching over your homeowners insurance. We will take into consideration your the location of your home, the needs of your family, and what your budget is. The truth is that, no matter how much you’d love to think that your home is immune to disasters and break ins, we have no way to predict what could happen. Between Arizona wildfires to flooding and mudslides, there is no way to pre-determine what will happen. However, you are able to protect your home proactively. 

We understand how confusing and nerve wrecking the world of insurance can be to navigate. Our agents will sit down with you and help you determine the best kind of home owner’s insurance for you and your family. We want to restore the peace of mind that you deserve to have in your home. We encourage you to think of any questions or concerns you may have so that our agents can address them directly. Purchasing and maintaining a home is challenge enough. Purchasing the right homeowners insurance shouldn’t be.

Don’t waste any time! Come into our offices today to talk to one of our agents or give us a call to set up an appointment. 

Why does Location Influence Home Insurance Costs?

While most people understand that they need home insurance to protect their most valuable investment, many people are surprised when they move locations to see that home insurance premiums can vary widely by location. Some people chalk this up to a change in the size and price of their home; however, there are many reasons why location can greatly impact the rate on a home insurance policy in Tucson, AZ. In fact, just read below to discover some of the reasons why.

First of all, some locations are simply safer than others. When people move to a safe neighborhood, they quickly realize that the chances of their home being broken into will diminish greatly. Because there is a lower chance that the home will be damaged or robbed during break-in, the insurance company will reward this safer location with a lower rate on home insurance. Before moving locations, check to make sure that the location is safe to receive a break on home insurance prices.

Furthermore, some locations have a greater chance of being damaged in a natural disaster. People moving from the coast to Tucson, AZ will quickly realize that hurricanes almost never wind up hitting the area. This means that homes are unlikely to be damaged by a natural disaster. Because insurance companies will not have to pay out claims for hurricane damage as often, they will reward that home with a lower rate on home insurance. Consider the weather of a location before moving to that area.

People looking for home insurance in the area should contact Castillo & Associates Insurance. Castillo & Associates Insurance has been providing high-quality insurance for the Tucson, AZ area since day one. Anyone with questions should call their offices today to schedule an appointment.

Getting Your Home Ready For The Fall Heating Season

When the cool weather approaches, it is important to get your home ready for the fall heating season. The more prepared you are, the lower your energy costs will be. When summer is over, you should follow a fall home checklist.

Caulk Up the Cracks

It is a good idea to go around the home and find any cracks between the trim and siding, around the door frames and windows, and in the areas where pipes enter your home. If you find any cracks, you should fill it in with caulk. This will ensure that the heat is not escaping during the winter, costing you more money.

Have Your Furnace Checked

You should have a professional come and give your furnace a checkup once a year. They will make sure that it is running as efficiently as possible and they will change your furnace filters. If your furnace is running efficiently, you will save money on your monthly heating bill.

Pack Up Window Air Conditioners

When the warm weather has passed, you should take out all of your window unit air conditioners. If you leave them in all winter, a great deal of heat will escape outside, and the wind will blow the cold air inside. This can greatly increase your heating bill. If the unit is built into the wall, you should cover it up with a tarp or an air conditioner cover. It is the best way to keep the heat in and to keep the cold out.

Have Your Fireplace or Wood Stove Cleaned and Inspected

It is recommended that you have your fireplace and wood stove cleaned and inspected before their first use. Also, you should have your chimney swept. This will prevent a chimney fire, which can be extremely damaging to the home. Also, you should buy your firewood in the early fall so that you can get it stacked before it gets too cold outside.

To be sure that you are ready for the fall heating season, you should follow the tips listed above. To be sure that your home is always protected in case of a disaster, you should contact Castillo & Associates Insurance in Tucson, Arizona. Your home is your most expensive asset, therefore, you should have the insurance to protect it.




How to Prevent Termites in Your Home

Your home is an investment in your future.  For many people, it is their largest investment. Therefore, it is important to protect it from harm.  You can protect your investment with a solid insurance plan, regular home maintenance, and preventative care.  At Castillo & Associates Insurance, we strive to provide homeowners with the knowledge to help prevent harm to their property.  In Tucson, AZ termites are a big concern.  Use these tips to help prevent a termite infestation in your home.

Facts About Termites

In Arizona, there are approximately 12 to 18 termite colonies per acre of land.  The most common type here is the subterranean termite. They rely on moisture to survive, which is why they live primarily beneath the soil. They build large colonies underground and literally hundreds of thousands of termites live in these colonies.  They can enter your home through even the tiniest of cracks. These termites mainly feed on wood and wood products, however, they can also eat through drywall and insulation.  They are an ongoing issue in Tucson, AZ.

Preventing Termites

Fortunately, there are preventative measures you can take to help stop a termite infestation from happening in your home.  A professional termite control company can provide you with advice and options such as a chemical barrier around your home to help deter termites.  There are also things you can do as a homeowner to discourage termites such as:

  • Avoid using wood mulch in planting beds.
  • Plant trees, bushes, and other plants at least three feet away from your home.
  • Repair leaky water pipes and faucets to prevent a water source for termites.
  • Place all wood structures at least six inches above the ground.

At Castillo & Associates Insurance, we want all our clients homes to be well protected from termites and other potential damage.  While some things are unavoidable, with maintenace and care, issues such as termites can be prevented.