ALL NEW 2016-2017 WORLD’S GREATEST CONTEST FROM PACIFIC INDEPENDENT INSURANCE AGENCY – SCORE $20 FOR YOUR ARIZONA SCHOOL!
Announcing the all NEW Pacific Insurance Agency 2016-17 SCORE $20 Bucks to Your Arizona School’s Fund for new athletic equipment, band, drama, theater, arts, sports and learning materials! Pacific Insurance Agency wants to partner with you to increase opportunities for students, parents and faculty to upgrade equipment and supplies at your local Arizona schools!
Funds are limited and we encourage parents, grandparents, friends and family to contact us today at www.pacins.com or 520-444-8607 to start the process. Just follow the steps listed below and we will make sure your school of choice receives $20 in your name!
BONUS DRAWING FOR $500! Instagram, Facebook and Social Media your way to a BIG WIN for Your School and Chance to Win Extra $500!
We are drawing for a special $500 donation to an Arizona School who shares this page to their social media circles on Facebook and Instagram and has the most quote inquiries! The will be on 02/01/2017 and awarded 03/01/2017 to the winning school. Top 3 “social media” sharing schools will be in the final drawing for $500! Be sure to use the #AZSCHOOLSWIN! in your posts and pics.
HOW TO WIN? Pass this pic or flyer to your Parents, Grandparents, Neighbors and Teachers to get the most for your school! Limit one $20 donation per household, must be Arizona resident, own a car with insurance, must be 21 or older and subject to underwriting and qualifications. A proposal consists of allowing Pacific to check rates for auto/and/or home insurance. No obligation to purchase. BE SURE TO PUT IN REMARKS SECTION OR WHEN CALLING #AZSCHOOLSWIN!
No obligation to purchase. Pacific Insurance reserves the right to end promotion at anytime. GO!
Hi my name is John Foxworthy and I own and operate Pacific Insurance Independent Agency in Tucson, AZ. After 23 years as a captive agent with Allstate, I became an Independent Agency owner in 2013. The property and casualty insurance industry (car and home insurance) has seen big changes in the last 10 years. It seems wherever you look on tv, radio, print mail, newspapers, periodicals, scoreboards, bus benches and gas pumps – an insurance company is saying they can save you hundreds if you switch to them.
In this article I will reveal 7 Tips Your Insurance Agent or Company Hopes You NEVER Read! I hope it serves to give you a laser-like focus to seek out an independent agent and cut through all the hype.
Insurance Tip #1 They Hope You NEVER Read:
Reclaim Your Independence and Freedom of Choice
Use an independent agent to do all the heavy lifting – they are not selling just one product or company. You must demand to see the best rates and options and your independent agent has that unique access, whereas, direct writers like Geico or captive agents for Farmers, etc only have one place to get one set of rates. Take it or leave it is the new motto for many insurance companies. Your independent agent knows you personally and can help prevent you from making an insurance blunder. The independent agent works for FREE until you secure a policy.
Insurance Tip #2 They Hope You NEVER Read:
Don’t “Cheapskate” Your Family’s Protection
It’s not all about price! Truly no one really wants the lowest cost with the least value! However, every day customers are looking to find ways to save money on home and auto insurance and many default to the lowest price without really knowing what coverage they just purchased to protect their family, home and cars. I am sure we have all cut corners to save money by buying a “cheaper product” but you don’t want to do this with insurance. Hire a professional to get the job done right the first time. Just be sure that your insurance professional has multiple options for you!
Insurance Tip #3 They Hope You NEVER Read:
Best Rates are NOT Driving Record Related!
The biggest discount you will receive on your auto and home insurance has nothing to do with your driving record or claims! The biggest discounts to insurance rates are financially responsibility or credit. Insurers point to predictive modeling (predicting future losses) to determine the likelihood that you will turn in a claim. Their research shows that higher credit score households submit fewer and less severe claims. So if your credit has substantially improved within the last few years it’s time to re-shop your auto and home! You may have been stuck in a poor credit tier, your financial status improved, but your insurance company may have kept you in the old higher rate plan?
Insurance Tip #4 They Hope You NEVER Read:
Lock-In Your Rates Every Year
Your independent agent can save you money by offering an ANNUAL auto policy. Most captive agent insurance companies offer only a 6-month auto insurance policy. Why? Because it affords them the opportunity to raise rates every 6 months instead of waiting a year to raise your rates for tickets, accidents or just state rate hikes. GET an ANNUAL car insurance policy! Most annual policies offered by independent insurance agents include a PAY-IN-FULL discount! So you get to lock your rates in for 1 year and they give you up to another 20% discount if you pay in full for the year!
This alone can save you money, prevent back to back rate increases and cut down on all the bills!
Insurance Tip #5 They Hope You NEVER Read:
Line Your Pockets Not The Investors
The independent agent has access to A++ rated regional carriers that may not have the claims exposure as State Farm, Allstate, Farmers and others. These big box companies often have homes and cars insured in states and areas where they are more prone to floods, wildfires, tornadoes, hurricanes and natural disasters! Many regional carriers have stayed away from these areas and their loss ratios are much better. These carriers often offer very aggressive savings to those states like Arizona. While many stock owned companies are being squeezed for profits to pay shareholders, the mutual and regional companies are rewarding policyholders vs the investors.
Insurance Tip #6 They Hope You NEVER Read:
Paying Cadillac Rates & Driving A Yaris
Most of the policies that I review on a daily basis for new customers are not receiving maximum protection with proper home and auto endorsements. In other words, people are paying too much for less protection or they could be insuring with Pacific Agency for about the same but realizing MUCH BETTER coverage. Many of the auto and home policies we review are anemic. They have outdated coverage, lack of new coverage available to them or worse yet – their current captive or TV insurance company has actually REDUCED the coverage in the form of a gigantic deductible or a depreciation schedule (not replacement cost – which you should have) for big ticket items like ROOFS!
Insurance Tip #7 They Hope You NEVER Read:
It’s Easy to Get Your Money Back – All of It!
“Researching and switching to a better insurance plan is a pain-in-the-butt!” Not TRUE! If you supply just some basic info then a pro Pacific broker does nearly all the work. After you determine with your independent agent the best savings and protection package, they will coordinate cancelling your old policies, updating and notifying your lender or mortgage co and triggering a refund from the old insurance company to you directly. (and 99% of the time your fees are pro-rated back to you to the day without penalty!)
In closing, we all have a limited amount of time and who wants to spend it shopping for insurance? Well, I guess we do as independent insurance agents! So let us do the shopping and researching to save you money, time, aggravation and give you peace of mind knowing you didn’t leave any stones unturned when it comes to finding the best auto, home, umbrella, life and business insurance. Be sure to check out our 100 plus recent customer reviews – They tell the story better than we can!
In this Pacific Insurance Agency blog post we look at several of the most common claims, policy rating and coverage questions that routinely come up. Some are urban insurance legends, myths and more often than not – policy deficiencies!
Let the insurance debunking commence!
#1. Making a glass claim will increase my insurance rates? Answer – NO.
If you have full glass – also known as “zero deductible” for glass claims your rates should not be impacted. However, if you claim a windshield every other month then your account may be in jeopardy for too many or high frequency of claims. The carrier may ask if you are living in a gravel pit and may ask that you remove full glass.
In Arizona we replace a lot of windshields because many roads are chip-sealed with chips aka “gravel”.
#2. Zillow says my home is worth $175,000. Why does my insurance company make me insure it for $225,000? Answer – Because replacement cost is not market value.
The market value of your home is typically lower than the replacement cost. Generally in todays real estate market, building a brand new home out of the ground is more expensive than buying a resale home. It is our experience that when you have a total loss of a home – no one is talking about “let’s make sure we get market value” – everyone should have a “replacement cost” policy.
#3. I carry uninsured motorist coverage on my auto policy. So if I get hit by someone without insurance the company will pay for my car? Answer – NO.
Uninsured motorist coverage is for bodily-injury to you and your passengers. There is no compensation for damage to your car. The damage to your car may be covered under collision.
#4. I just got a speeding ticket! My insurance rates are going up? Answer – Maybe.
Typically with preferred lines auto insurance the carriers are not running your motor vehicle report every renewal. However, if you are a driver with some blemishes on your record they may run it and find it. If you have an accident and make a claim, carriers normally will run your MVR to see “what else have you done lately?”
#5. All roofs under home insurance are covered for FULL REPLACEMENT COST for wind, hail, water and lightning? Answer – NO!
The “roof-replacement-schedule” aka roof depreciation schedule is becoming more and more prominent with home insurance policy offerings. BEWARE! Many name brand co’s are quoting home ins with this roof schedule. For example, your roof is ripped off during a microburst and you have a roof schedule. The roof is 10 years old and its normal life is 20 years. Here’s your check for HALF! Be sure to ask your independent agent to find a home policy without a roof schedule.
#6. I backed into my garage with my car! Does home insurance or car insurance cover that? Answer – Yes.
Most insurance companies will assess you a deductible for the car damage with your collision coverage and another deductible for your garage damage. However, several insurance carriers now offer a single deductible for the loss (generally the higher of the two deductibles) if you bundle the home and auto.
#7. I hear a buzzing in my walls and discovered that bees have made a big hive with honeycombs and honey. My home insurance pays for the removal and cleanup? Answer – NO.
Nearly all home insurance policies exclude coverage for this loss and other rodent and insect infestations.
#8. I reported a home insurance claim to my company for water damage from a broken pipe. The damage was below my $1000 deductible so there was no payment. That claim doesn’t count? Right? Answer – Maybe
Every home ins company is different when it comes to rating for prior claims history. Some will count a “zero-pay-inquiry” as a loss that may affect the rates. This is why it is best to get estimates on smaller claims, speak with your local agent and determine if claim should be submitted.
#9. I want to change my home or auto insurance to a new company. I am paid up for another few months. Won’t the company keep my money? Answer – NO.
Nearly all of the time auto and home companies pro-rate any unused portion of your paid premiums back to you when you cancel.
#10. Pacific Insurance Agents are local Arizonans, independent, customer focused, offer multiple carriers to find the best protection and rates, and work hard to earn and keep your trust? Answer – Absolute Fact!
Don’t see an answer to your insurance question here? No problem, just comment or shoot us your question to firstname.lastname@example.org.
OH NO! Your home is in a flood plain and you need flood insurance to close or refinance!Don’t worry it’s not the end of the world. We can show you how to get better flood insurance rates in AZ.
Don’t waste time calling around for rates as most flood rates are set by FEMA and prices of flood policies should be fairly similar. However, the most important part to a flood rate is accurate flood zone determination, grand-fathering and possibly an elevation certificate.
It’s important to note that most property and casualty insurance agents prefer NOT to offer flood insurance due to the above mentioned requirements. Determining flood zones and quoting accurately can be a challenge and many agents simply refer the business to another agent.
My Realtor and Lender Say I Need Flood Insurance to Close
If you are buying or refinancing a single family home in Arizona and you have been told by your realtor or lender that you need flood insurance just contact our AZ Insurance Agency and we can shop with several carriers and normally return proposals the same day.
Flood rates are set according to the flood zone your home is located in. If you are in AZ Flood Zone “X” you are in a Preferred Risk Flood Zone. Rates will typically be about $300-400 year and include contents coverage too.
If you are in AZ flood zones A or AE then you will typically see flood insurance rates in the range of $1000-$2000 annually. Dwelling coverage has a maximum amount of $250,000 for the dwelling structure and contents coverage is “optional”.
Saving Money With The Grandfathering Rules
Sometimes a particular community in AZ has been “grand-fathered”. This means that you may be entitled to a break on flood rates.
Structures constructed before a community’s first flood map was issued (post-FIRM) have two opportunities to lock in the flood zone or Base Flood Elevation for insurance rating purposes:
You can buy a policy before the new maps go into effect, or
You can use the Grandfather Rule if you have proof that your home was built in compliance with the flood map that was in effect at the time of construction. Your insurance agent can help produce the necessary documentation.
Homes built before the community”s first flood map was issued (pre-FIRM) must have a policy in force before the new map takes effect to qualify for grandfathering.
Note, using the new flood map to rate your policy may actually result in a lower cost than when grandfathering applies. Be sure that your independent insurance agent checks all options.
Arizona Elevation Certificate May Lower Flood Rates
If your home is in a high risk flood zone – typically A or AE – you may want to obtain an elevation certificate to help lower your flood insurance rates. An elevation certificate will verify where the home sits in elevation as compared to the maps base flood lowest floor. Typically if the home is elevated several inches to feet above the base flood elevation then rates can be drastically lower overall.
We can direct you to local engineer surveyors who will provide a stamped elevation certificate for about $350-$400. Once we have the certificate we can submit the info directly to our flood carriers to see if the rates can be lower. However, sometimes the elevation certificate will actually verify that the home sits “lower” than the base elevation and preclude us from better rates.
I Need Flood Insurance For My Manufactured Home
A few manufactured home insurance companies still offer flood protection as an endorsement to the AZ manufactured home insurance policy. This is great news for mobile home owners because this endorsement is generally about $20-$40 annual!
For help on how to get better flood insurance rates in AZ please feel free to contact our independent insurance agency serving all of Arizona. Our toll free phone is 1-866-580-6767 or send us an online request for flood ins proposals here. You can also upload your insurance declarations pages for flood and any other policies that you would like for us to review and compare.
**WARNING – Don’t read this blog on home insurance rates and protection – unless you like to buy less protection for more money.**
We’ve been protecting families in Arizona with “proper” home insurance for nearly 30 years. We’ve done it as captive agents – this is when we represented only one company.
Now We’re Doing It The Independent Way!
**Many insurance companies are excellent, however, in the last few years things have improved for some and others have changed for the worse – The point is that you can do better – but only if you are aware.**
Let me give you an example – here is a video of a newly listed home for sale in Tucson. I have checked the Tucson home insurance rates for this particular home and they range from $400 annual to nearly $1500 – for the same replacement cost and deductible.
What if I told you that the $500 home insurance policy offers better protection, broader coverage and features than nearly every other policy regardless of price, including the $1500 policy?It’s TRUE – however, every day a new owner closes on a home or refinances a mortgage only to have not received the best policy! How does that happen?!! Because they didn’t know better – they checked one or two places and didn’t have a professional looking out for them! And, everyday a homeowner buys THE CHEAPEST priced home policy with the least benefits and protection – only to be discovered at the worst time – claim time.
Often, You Can Do Better if You Only Knew?
“Knew What?” you may ask. Let me provide you with an example. You just bought a brand new car! You searched for the best deal, got the color you wanted and a cool set of wheels for $20,000. Would you be concerned or irritated if you I could get you the same car with tvs in the headrest, Bluetooth wireless, 20 inch wheels and upgraded stereo for nearly the same price or perhaps less. Heck Yes!
Yet everyday people search the internet for home insurance, call 1-800 #’s, call the offices of the funniest or most memorable insurance mascot to get “prices”. Often they speak with someone in another state, limited experience and sometimes these folks are not even insurance licensed. Many successful and smart people are handing their home insurance risk management off to someone who may not even own a home and certainly does not have the life experience to make sure you are properly protected. There are many more options available to you if you KNOW who to contact!
Here’s the Home Insurance Fix! Hire an Independent Professional – It’s FREE – Why Wouldn’t You?
You need to hire a independent professional to check “ALL” of your home insurance options! To be sure the least expensive home insurance is not always the best home insurance.
Here’s What You Should Be Focusing On When You Are Buying Home Insurance:
Independent Agent Representing at a minimum 7 A-rated AM Best Carriers
FEATURES and BENEFITS – Does this home insurance include more and how can I benefit should I experience a claim? Waterbackup, ID theft, higher limits
Accessibility and Communication – mobile, in office, text, online, snail mail – how do you prefer to communicate with the agency and carrier?
Willing to speak to you about potential risks – swimming pool, jewelry theft, depreciated roof schedules, water backup, dogs, condition of home.
100% Satisfaction Guarantee and Offer to Refund Any Unused Premiums
At Pacific Insurance Agency we believe everyone deserves the best options available for insurance. Get started here to find better home insurance options today. Even if you are buying a home or looking for rates in another state please contact us as we are connected to great independent agents across the USA. Just ask!
Turn on the evening news and you can see why home insurance rates are jumping! Big fires in Colorado, California, Washington, and Canada. Baseball sized hail storms plaguing Texas and tornados bearing down on the South and Midwest are taking a toll on homeowners and insurance company profitability.
“That’s Terrible – But I Live In Arizona – Why Should I Have to Pay For Their Bad Weather?”
While many natural disasters and storm damage is occurring in other regions of the U.S. the rates are being impacted everywhere. Big name brand companies are shareholder owned and have exposure through high risk areas ie coastal, wildfire, tornado alley. To meet profitability goals and shareholder requirements they will sometimes raise rates in low-risk states to make up for losses in other areas. The bottom line is – Insurance Companies are here to protect us from loss and to make a profit doing so.
If you are like most homeowners in America, chances are you couldn’t tell me what your current home insurance is costing you and you’ve never read your home policy – ever, and quite frankly you just don’t have time to monitor and mess with it! With the hustle and bustle of closing on a new home and everyday life, most owners buy a home policy based on a cheap rate and toss it in a drawer and let it automatically renew through your mortgage escrow account.
I am going to suggest that you delegate your homeowners insurance research and purchases to a LOCAL independent insurance pro. The beauty of this process is that a trained and licensed agent will do this for FREE and they have access to multiple sources for competing home insurance proposals.
Online Home Insurance Quotes May Miss The Mark
In a recent study about people buying home insurance online showed that many like to research their options online and transact (buy a policy) from a local agent. They also discovered that the biggest problem with online home quotes is that they are not very accurate. They are finding that this may be from user error, carrier error and simply a misunderstanding about all the factors that make up a firm estimate.
Here are just a few of the moving pieces that determine your Arizona home insurance rates.
Your Marital Status (married vs single vs domestic partner)
Your Occupation (working, skilled, professional, affinity discounts)
Your Education (college grad, MD, PHD, Masters)
Your Financial Stability (Credit Scores)
Your Zip Code
Age of Home
Size of Home (square footage)
Construction materials for home (frame, stucco, masonry)
The heating and cooling age and type (HVAC, Evap, Gas, Electric)
Type of Roof Materials and age (Flat roof vs Pitched Roof)
Swimming Pool (fenced, locked gate, diving board, slide)
Fireplace (wood burning vs. gas)
Alarms (smoke, fire and burglar – local or reporting)
Gated Community (manned 24 hr or key pad)
Distance to Fire Hydrant
Distance to Responding Fire Dept
Children in the home
Occupancy (full time, seasonal, rental, short term Air BnB)
Do you have a dog (breed of dog, bite history)
Prior claims and loss history (some carriers count claims at old address – some do not)
Inspection (does home need painting of fascia, trees cut back, debris around home, too many cars parked outside, no rails on steps)
Mortgage (yes or none)
Type of Home (single family, condo, manufactured home)
Discounts – auto, umbrella, commercial and life
Most Home Insurance Buyers Want Options & A Professional to “Please Just Tell Me The Best Home Insurance Choice”
In the same online insurance buying study it made reference to securing a mortgage lender online. Again, the vast majority of mortgage rate shoppers investigated rates online and then wanted local representation and for a professional to step in and “Please Just Tell Me The Best Choice”. In other words, “What Would You Buy if You Were Me?”
I feel the same way about buying tires. “Tire sales person you have explained all the benefits, prices, safety features, warranties, tread wear studies – If You Drove My Mini-Van what Tires Would You Go With?” They might say “Sell Your Mini Van You’d Look Better in a Ferrari” but chances are they would have options and make a final recommendation based on my budget and use.
Specialty Home Insurance Products – Manufactured Homes and Flood – Best Handled By Independent Agents
When it comes to specialty home insurance products like Manufactured homes, mobile homes, flood insurance and dwelling fire policies you should seek out a local independent agent. Many insurance companies have stopped writing specialty home insurance policies to focus on main stream homeowners single family policies.
Typically an independent agent will have several options with carriers that specialize in these home niches. For example, a manufactured homeowner in Tucson, AZ might have trouble finding replacement cost coverage if the home is over 15 years old.
A landlord who decides to do seasonal furnished rentals may be non-renewed by their current insurance company. Maybe you are not subscribing to fire service and need a carrier that will insure your home. Perhaps you have a claim that has been paid out, the repairs have been made and the loss remediated but your home insurer is still surcharging the loss.
The biggest day of your life has arrived – Your Wedding Day and the last thing on your mind is wedding ring insurance! The day is magnificent and you both sail off on you honeymoon to Bora Bora! Prior to tying-the-knot you have planned appropriately. You contacted your insurance agent to update your maiden name to your new married name, combined your auto policies, purchased a renters/home insurance policy and 2 new life insurance policies. Well done!
Even on the plane ride you can’t stop starring at this gorgeous rock that your partner picked out for your engagement ring! It’s a gorgeous piece of gemology. The cut, clarity and color are high grade. $15,000 is a big investment, but you and your spouse picked this exact ring to remind you of your vows and commitment to one another. Besides, you have a renters/home policy and you are covered – right?
Wedding Ring Insurance Claim
That is the question – You just returned from Bora Bora with an amazing tan, memories for a lifetime, jet lag and oh, yes, no engagement ring. It slipped off your finger and is somewhere in the clear blue ocean waters or elsewhere on the French Polynesian islands. No worries, when you get home you’ll call on your insurance company to make a claim.
Happy Day! Your Wedding Ring Is Covered! Sort of…
Yes you are covered! Your insurance company will be sending you a check for $500. That’s the $1,500 limit for a single piece of jewelry minus your $1,000 deductible – vwhalla – a check for $500.00. Wow That’s Fantastic! NOT!
Wedding Ring Appraisals
Here’s the best way to get wedding ring insurance. First you obtain an appraisal from your local jeweler. This appraisal shows an insurance company the exact details of your ring and stone. Give the insurance appraisal to your independent insurance agent. They will add a personal articles floater or endorsement to your home/renters policy. You pay approximately $7 per thousand dollars of insurance on your ring. You choose to have agreed value ($15,000.00) and a zero deductible. The cost to properly insurance your wedding ring is about $105 a year.
Back to Bora Bora…the ring falls off your finger or the stone pops out because the setting is too loose, or the ring “mysteriously disappears”. You call your insurance professional and he returns with a check from the insurance company for $15,000.00. Hugs and Thanks are exchanged, you go to the jeweler and buy a new ring.
Every Home Insurance Policy Has Jewelry Limitations
Each home insurance policy will have internal limits for losses to jewelry, watches, furs, guns and collectibles. At The Pacific Insurance Agency we are happy to review your home insurance policy and make recommendations tailored to your needs. As an independent agency we offer coverage options with many top insurance companies to make sure that you have the proper Wedding Ring Insurance. Feel free to contact us at 520-886-3066 or www.pacins.com.
Rural Metro Fire and Homeowners Insurance in Arizona
When you purchase a home in Arizona you will either be in the city fire district (part of your taxes) or you will be outside. If you are outside, typically out of city or incorporated limits, then your fire service will most likely be provided by Rural Metro Fire Department.
If you are in a subscription fire service area of Rural/Metro you will have to pay an annual fee for fire service to your Arizona home. Rural Metro is a private company providing fire service and is not funded by tax dollars. In Arizona, Rural Metro Fire Department services Maricopa County, Pima County and Pinal County.
Do I have to Pay and Subscribe to Rural Metro Fire Service in AZ?
This question is often asked when homeowners are shopping and researching home insurance in Arizona. The answers are Yes and No…..
Yes, you will want to pay for Rural Metro if you would like to have them respond to a fire and not experience out-of-pocket expenses for that response. In other words, they will respond and put out your house fire – as a paid subscriber the bill is covered by Rural Metro and as a non-subscriber you will be billed for fire service. Recent reports show that Rural Metro may charge $1500 per fire engine responding and $150 hour per firefighter.
Can I still get home insurance without subscribing to Rural Metro? Yes and It Depends. This question is creating quite the fire-storm (pun-intended) with owners and insurance agents in AZ! Why? Because many homeowners have stopped paying their Rural Metro subscriptions. For years this lapse in a homeowner’s fire service was not efficiently tracked and monitored by insurance carriers. However, there is now a database for insurers to check. Our Arizona Independent Insurance Agency has been receiving inquiries from our owners, our insurance companies, and other captive insurance customers from State Farm, Allstate and Farmers in AZ.
Compare Arizona Home Insurance Rates With and Without Fire Service
Your home insurance rate in the state of AZ will be based heavily on if your home is located in the city fire district or in Rural Metro’s Fire service district. For example, a $200,000 frame stucco home with a 2 car garage will have an average home insurance cost in AZ of $400 year in the city fire zone and an average home insurance cost in AZ of $650 year in Rural Metro fire district.
Your home insurance rates are determined by what town class your home is located. In short, you are in town class 2 in the city, town class 4 if you are just outside of an annexed area (for example Oro Valley, Marana AZ), town class 6 (Rural Metro Fire), town class 8 (may still be in Rural Metro but no fire hydrant nearby) and lastly the dreaded town class 10! (volunteer fire dept. or “Ain’t nobody coming! And if they are coming its a pile of ashes by the time they arrive.”
But wait there’s more! Now if your Arizona home is in the Rural Metro Fire district and you opt out of service, you can choose to pay the higher town class 10 home insurance rates! A recent customer of Pacific Insurance Agency decided to pay $650 year in town class 10 instead of $400 for a Tucson homeowners insurance policy if subscribed.
The bottom line about AZ Home Insurance as it relates to your Rural Metro subscription: If you choose not to subscribe you will pay higher insurance rates. You may also get billed if they respond. You can still get AZ home insurance with and without Rural Metro here.
Boom! This is the premier post for our Pacific Insurance blog. We’re super excited to post real, raw, down and gritty, where’s the beef insurance stuff here soon – no candy coating here! Never to be dull again – your insurance life going to be FRESH! “Even your friends will notice how you walk with a new insurance attitude and bounce!”
Our local Arizona Independent agents have special ninja like skills to hunt down and capture the best protection by partnering with carriers that are salivating at the meatiness of your insurance prowess and portfolio.
The Pacific Team is made up of motorcycle racers, 3-gun shooting experts, master chefs, super techie sleuths, mechanics, masters degreed folks, beer connoisseurs, March Madness lovers, 3-pointer nothing but netters, hack and scratch golfers, fitness instructors, fun loving, community involved folks and a bearded dude with a baseball cap.
Bottom line – We’re Super Good at Insurance and its our goal to help you navigate the ocean of commercials, ads, mail box stuffers, mascots and insurance hyperbole. We cut thru the clutter to deliver no-nonsense advice and options to protect you!
We’ll be back here soon dropping incredible insurance dimes – until then you can reach out for live insurance proposals here. See you soon – The Pacific Insurance Team